Your Delray Beach, Florida mortgage experts
Your Future Our Focus
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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
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
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.
Inspiration for your home loan journey
Michael’s testimonials
Meet our team
Michael Mizrahi
- Branch Manager
- NMLS #188831
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 561-703-4762
- tel 561-332-1346
- fax 561-332-1351
Enrique Montjoy
- Loan Officer
- NMLS #1559993
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 954-376-9575
- tel 561-414-2835
- fax 561-332-1298
Danny Sidenberg
- Sr. Mortgage Banker
- NMLS #60333
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 561-901-4907
- tel 561-332-1602
- fax 561-332-1603
Nicholas Porter
- Loan Officer
- NMLS #1643334
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 561-374-4247
- tel 561-374-4247
- fax 561-332-1785
J Cody Barnes
- Outside Loan Originator
- NMLS #907483
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 352-213-7324
- tel 352-213-7324
- fax 561-332-1345
Wesley Graham
- Sales Manager/ Outside Loan Originator
- NMLS #465717
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 713-823-0396
- tel 561-562-7469
- fax 561-562-7475
Wayne Demaline
- Loan Officer
- NMLS #323192
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 561-889-1545
- tel 561-510-9559
- fax 561-639-7646
Luca Boccia
- Outside Loan Originator
- NMLS #2166814
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 561-699-9620
- tel 561-489-5968
- fax 561-489-5969
Louise Nelson
- VP Mortgage Lender
- NMLS #410107
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
Rose Vital
- Loan Officer
- NMLS #1437810
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
Joey Pimentel Jr.
- Team Stelzer Production Manager
- NMLS #60377
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
Alexandra Rojas
- Loan Officer
- NMLS #1532721
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 305-968-8013
- tel 305-564-1262
- fax 305-564-1262
John Kersey
- Outside Loan Originator
- NMLS #1737318
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 757-618-7534
- tel 904-618-3295
- fax 904-618-3295
Kim Barnes
- Loan Officer
- NMLS #996052
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 386-546-6753
- tel 561-332-1347
Etzer Fortune
- Loan Officer
- NMLS #330241
- 900 NW 17th Avenue
- Unit 202
- Delray Beach, FL 33445
- [email protected]
- mobile 561-584-4568
- tel 561-332-1877
Our support staff
Jose Garcia
Operations Manager
Craig Stelzer
Non-Originating Branch Manager
Anita Arthur
Loan ProcessorRebecca Morgan
Loan Processor
Patricia Lother
Loan PartnerBetsy Doherty
Loan Processor
Angela Avoletta
Loan PartnerKim Pellicer
Loan ProcessorDarryl Levine
Loan ProcessorTheresa Ligouri
Loan Officer AssistantJuan Gallego
Loan ProcessorAngelika Balingit
Loan CoordinatorLilibeth Cruz
Loan CoordinatorSarah Polston
Loan Officer AssistantNicole Maier
Loan Officer AssistantMy social posts
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.