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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
Your Local CrossCountry Mortgage Loan Officer
David Hogan
- Outside Loan Originator
- South Burlington, VT Mortgage Loan Officer
- NMLS # 474207
I’ll be with you every step of the way
Hello! My name is David Hogan. I began my mortgage career after graduating from Champlain College with a degree in business and communications. With over 20 years of experience in the industry, I understand the mortgage process inside and out. I’m happy to guide each and every client through the journey from beginning to end.
When you work with me, I’ll listen carefully to understand your goals. No matter if this is your first mortgage or ninth, I can walk you through each step of the loan process and answer your questions. We’ll discuss how staple programs like conventional, jumbo, FHA and VA can work for you. I’m ready and willing to help each person find a home loan with America’s #1 Retail Mortgage Lender. Let me guide you to your dream home today!
Born and raised in Brielle, NJ, I currently reside in Colchester, VT with my wife and three children. I’m a member of the Vermont Mortgage Bankers Association and an affiliate member of the Northwestern Vermont Board of REALTORS®.
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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.
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.