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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
Jake Dessart
I’ll be with you every step of the way
Hi, I’m Jake, and when we sit down to discuss your mortgage, my first step is always to listen. As a loan officer at the Hauppauge, NY branch of America’s #1 Retail Mortgage Lender, I want to get to know not just your financial situation, but also your goals and aspirations. Buying a home is one of the biggest purchases you’ll ever make, and my top priority is to make the journey as easy and worry-free as possible for you.
Whether you’re purchasing a new home, refinancing, or building your investment property portfolio, I’m here to guide you every step of the way. I’ll explain all the details of your home loan, keep everything on track, and ensure we reach the closing table as smoothly as possible. With our extensive range of mortgage products at CrossCountry Mortgage, we’ll find the right solution tailored to your needs.
Outside of work, I spend most of my time playing golf, hiking with my dog, and supporting my favorite sports teams. I look forward to helping you secure your dream home!
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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.