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881 Dover Drive, Suite 110 Newport Beach, CA 92663 Mobile (520) 444-3982 Tel (520) 444-3982 [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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- Conventional Loan
- FHA Loan
- Purchase
- Refinance
- VA Loan
Buzz Dempsey
- Sr. Loan Officer
- Newport Beach, CA Mortgage Loan Officer
- NMLS #205245
I’ll be with you every step of the way
Hi, I’m Buzz. I’ve been originating loans since 1983, including nine years as an underwriter. My experience has led to over 6,600 on-time closings and more than $1.3 billion in loan volume—mortgages are what I do. I’m passionate about the financial well-being of my clients, and my commitment to meeting their needs never ends.
My philosophy is simple: I find the right loan at a competitive price, set realistic expectations, and ensure an on-time closing. Clients receive outstanding customer service and value. I personally manage all transactions, so you always know where you stand. I am licensed in Arizona, California, Colorado, and more. I can help from afar!
Whether you’re a first-time buyer or seasoned investor, I know buying a home is a significant purchase. As part of America’s #1 Retail Mortgage Lender in Newport Beach, CA, my team and I offer service based on trust and respect. You can TRUST the Buzz!
Buzz’s testimonials
Guides and resources
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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.