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40 Salem Street, Building 1, Second Floor, Suite 10 Lynnfield, MA 01940 Mobile (508) 380-2300 Tel (781) 328-1233 [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
David Jaspon
- Loan Officer
- Lynnfield, MA Mortgage Loan Officer
- NMLS #2106983
I’ll be with you every step of the way
Hi, I’m David! Whether this is your first home purchase, your next home, or you’re refinancing, I’m your trusted loan expert, dedicated to simplifying your experience. Just as every home has unique nuances, so do home loans—and so does your financial situation. That’s where I come in. I walk you through every step of the mortgage process, answer your questions, and keep you in the loop regarding your loan’s status. From conventional and jumbo to FHA and VA, I’ll help develop the appropriate mortgage plan that’s best for you. And my assistance doesn’t stop after closing—I’m always available to answer your questions as your mortgage loan expert.
With 35 years of finance experience, I’m ready to help you begin your home financing journey. I have experience in real estate investing and love it so much that I decided to join the mortgage industry last year. My passion is helping people like you realize their homeownership dreams. I look forward to working with you at America’s #1 Retail Mortgage Lender, here in Lynnfield, MA!
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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.