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  • 26 Village Center Drive, Unit B-1 Reading, PA 19607 Mobile (272) 332-9525 David.Payonk@ccm.com
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Your Local CrossCountry Mortgage Loan Officer

David Payonk

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  • Senior Loan Officer
  • Reading, PA Mortgage Loan Officer
  • NMLS #403938
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I’ll be with you every step of the way

Hi, I’m David. With 27 years of experience in the mortgage industry, I’m dedicated to ensuring a seamless financing process. My extensive knowledge and commitment to personalized service have helped countless individuals achieve their homeownership dreams. I thrive on building lasting relationships and guiding clients through every step of their journey. At America’s #1 Retail Mortgage Lender, I have your best interest first – and you’re always my top priority.

As your mortgage consultant, I’ll work hard to find the loan that fits you and your family. Let’s face it, this is one of the biggest financial decisions you’ll make in your lifetime. That’s why I’ll be there with you every step of the way. Whether it’s your first or fifth home, my tea will spoil you!

We’ll talk about your current homeownership goals and what the future may present you and your family. From our first conversation to closing and beyond, I’ll always be here for you.

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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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.

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