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2127 Espey Court, Suite 208 Crofton, MD 21114 Mobile (443) 623-5587 Tel (410) 885-1727 [email protected]
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- First-Time Homebuyers
- Home Equity
- Investment Property
- Purchase
- Refinance
Greg Boucher
I’ll be with you every step of the way
Hello, I’m Greg! I help families build generational wealth and legacies by offering tailored strategies and solutions. As a successful real estate investor, former real estate agent, and mortgage professional, I have decades of experience working with a wide range of clients. I’ve helped:
- Real estate investors build their portfolios
- Renters become first-time homeowners
- Homebuyers purchase with no money down
- Self-employed clients qualify for financing
Whether you’re a homebuyer looking to achieve your financial goals or a real estate agent wanting to stay informed about mortgage options for your clients, let’s connect today! I’m excited to work with you and deliver the mortgage experience you deserve, backed by America’s #1 Retail Mortgage Lender, in Crofton, MD.
Guides and resources
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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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.