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19620 W Catawba Ave, Suite 202 & 210 Cornelius, NC 28031 Mobile (404) 310-5055 Tel (704) 365-7643 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Delaney Besecker
- Loan Consultant / Advisor
- Cornelius, NC Mortgage Loan Officer
- NMLS #2130746
I’ll be with you every step of the way
Hello, I’m Delaney, a dedicated loan officer at our Cornelius, NC branch with America’s #1 Retail Mortgage Lender! I’m an East Coast native with roots in D.C., Philadelphia, Atlanta, and Charlotte. I spent the first six years of my career in corporate banking, starting in interest rate and commodity risk management before transitioning to corporate underwriting for technology and defense companies. After purchasing a home myself, I joined the mortgage industry to help others achieve their homeownership dreams. (Ask me about my experience – it’s a good story!)
When you work with me, I’ll make home financing clear and comfortable. We’ll go over every step in the mortgage process, answer all your questions, and ensure you’re always informed about your loan. I’ll guide you through loan products, interest rates, and mortgage strategies so you can make the best decision for your future. Service and care are at the heart of what I do, and I’m excited to go the extra mile for you.
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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.
Inspiration for your home loan journey
Frequently asked questions
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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.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.