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  • 585 Tremont Street Boston, MA 02118 Mobile (617) 308-3337 Tel (617) 236-1555 jsmith@ccm.com
Your Local CrossCountry Mortgage Loan Officer

Joe Smith

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  • Branch Manager / SVP
  • Boston, MA Mortgage Loan Officer
  • NMLS #481139
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I’m a Scotsman Guide Top Originator

Hi, I’m Joe. When you work with my team and me at our Boston, MA branch of America’s #1 Retail Mortgage Lender, we’ll guide you through your home loan journey. For over 29 years, I’ve helped clients get the right mortgage for their needs. That starts with listening to your specific circumstances, providing information on every aspect of the home financing process, and discussing each program available.

Whether conventional or jumbo, FHA or VA, we’ll find the right loan to make your dreams a reality. From applying to receiving your keys or completing your refinance, I’ll be there to support you. You’ll receive continuous updates on your loan, and I’ll be available to answer your questions, too.

When I head home for the day, I look forward to spending time with my partner Scott and our two sons, Ayden and Owen. I’m proud to devote a portion of my commissions to the following charities:

  • Bridge Over Troubled Water
  • The Trevor Project
  • Victory Programs
  • Community Servings
  • Community Research Initiative of New England
  • GLAD
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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

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A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Inspiration for your home loan journey

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

    Learn more

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