Step-by-step process to getting the keys to your new home.
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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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Your Local CrossCountry Mortgage Loan Officer
Nick Anusbigian
I’ll be with you every step of the way
I’m Nick Anusbigian, a loan officer with CrossCountry Mortgage in Delray Beach, FL. For six years, I’ve helped hundreds of families finance homes across Florida, mainly in Palm Beach County in cities like Wellington, Royal Palm Beach, Loxahatchee and the western communities, where I’ve lived for 20 years.
Most of my business comes from local agents, past clients, and their family and friends. You’ll get straight answers, a clear plan and updates before you have to ask.
I work with first-time buyers, move-up families, investors and refinances using FHA, VA, conventional, jumbo, renovation and Non-QM loans. I also handle tougher files: rural acreage, self-employed borrowers, condos and deals another lender said no to.
I host the “Rate the Bot” series on YouTube (@mortgage_nick), grading AI answers to real mortgage questions.
I’m a husband to Julie and a dad to twin boys. I coach youth basketball, serve at my church, Grace Fellowship, and love the wild Florida outdoors.
Nick’s Reviews
My Videos
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Guides and resources
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.