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Your Local CrossCountry Mortgage Loan Officer
Mark Canale
- Regional Vice President
- Philadelphia, PA Mortgage Loan Officer
- NMLS # 1338355
Make your mortgage feel like a win
Hello! My name is Mark Canale. When you work with my team and me, you’re not getting a transaction. You’re getting strategy. Transparent, direct and with no surprises. At America’s #1 Retail Mortgage Lender, we structure loans the right way from day one.
The mortgage process can be complex, but it should never feel confusing. My job is to simplify it, protect your position and put you in the strongest financial spot possible.
Every situation is different. I offer a wide range of loans tailored to you, including conventional, jumbo, VA, FHA and Non-QM. Whether you’re a first-time homebuyer, move-up buyer or real estate investor, we’ll look at the full picture and build the right structure around your goals, not just what fits into a box.
My support doesn’t stop at closing. Markets change. Rates move. Life evolves. No matter what, I’ll stay involved. Your mortgage should continue to serve you, not trap you. Let’s build it the right way from the start.
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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.
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Frequently asked questions
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Non-QM loans use expanded home financing criteria to give borrowers income and credit flexibility. From qualifying with bank statements or 1099 income to purchasing investment properties, Non-QM loans open doors to homeownership many don’t realize are available.
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Also known as Investor Cash Flow loans, DSCR loans are designed to help real estate investors secure financing with their rental property’s cash flow. Instead of relying on personal income, DSCR loans use the debt service coverage ratio (DSCR) to qualify.
DSCR is calculated by dividing the monthly rental income by principle, interest, property taxes, homeowners insurance and association dues.
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Since Non-QM loans don’t follow traditional guidelines, they’re considered riskier. That’s why lenders often require a higher down payment, interest rate and other terms.
But Non-QM loans are a safe financing option that benefits many homebuyers. Talk to a CCM loan officer to learn what’s right for you.
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Bank Statement loans allow you to qualify for a mortgage using your bank statements instead of tax returns. These loans are designed for borrowers who have strong credit and finances but don’t have traditional income, like self-employed workers.
To qualify, you’ll use the average of your deposits over a 12- or 24-month period. If your work doesn’t provide a W-2, this may be the loan for you.
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ITIN loans give you a way to qualify for home financing without a Social Security number. Instead, your Individual Tax Identification Number (ITIN) makes homeownership possible.
At CrossCountry Mortgage, we provide numerous ways to qualify using an ITIN. Bank statements, liquid assets, 1099 income and more can all be used to buy a home with our ITIN loan.
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No. Conventional loans follow criteria established by the Consumer Financial Protection Bureau (CFPB). Non-QM loans use different standards that provide flexibility for borrowers who may not meet conventional requirements due to the type of home being purchased, financial circumstances or non-traditional income or employment.