-
- 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
Your Local CrossCountry Mortgage Loan Officer
David Elshanti
- VP of Lending
- Fairfax, VA Mortgage Loan Officer
- NMLS # 1098230
I’ll be with you every step of the way
I’m David Elshanti, a VP of Lending with 20 years of experience in the mortgage industry. I’ve dedicated my career to providing exceptional customer service and building lasting relationships. With personal service and the support of America’s #1 Retail Mortgage Lender, I’ll help you find the right mortgage solution with your goals in mind.
I believe the key to success lies in understanding each client’s unique situation and delivering tailored solutions that exceed expectations. I take the time to listen, explain options clearly and provide personalized guidance throughout the process. My extensive experience allows me to navigate complex financing scenarios while keeping the process simple and manageable.
Whether you’re purchasing a home, refinancing or exploring your financing options, my goal is to provide the knowledge, service and support you need to make confident decisions and achieve your homeownership and financial goals.
David’s Reviews
My Videos
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.