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2127 Espey Court, Suite 208 Crofton, MD 21114 Mobile (301) 905-7773 Tel (410) 774-9011 [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
Jessica Enfinger
- Branch Manager
- Crofton, MD Mortgage Loan Officer
- NMLS #513123
I’ll be with you every step of the way
Hi, I’m Jessica. I’ve been in the mortgage business for over 15 years at America’s #1 Retail Mortgage Lender, helping over 2,000 clients achieve the best financing on their home loans. I’m proud that a large part of my business comes from previous borrowers and their friends. I enjoy building lasting connections with my customers and stay in contact with many after closing. Whether you’re buying your first home or fifth, closing your loan is only the beginning of our relationship.
I grew up in a Navy family, with my father serving in Vietnam on the USS Midway. I live in Maryland near Joint Base Andrew, PAX River Naval Station, and Indian Head Naval Station. My experience with Veterans and the Military has led to a network of incredible relationships within the Military Community. Through partnerships with personnel and affiliate partners, I provide financial education on VA loan benefits. Please ask me about my Veteran and Union discount programs – it’s my mission to help you save.
Jessica’s testimonials
Guides and resources
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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.