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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
Justin Mead
- Loan Originator
- South Burlington, VT Mortgage Loan Officer
- NMLS # 1656276
I’ll be with you every step of the way
Hi, I’m Justin Mead, a Vermont born and raised loan officer committed to helping homebuyers win.
I became a loan officer in 2017 after seeing firsthand the impact this industry had through my mother’s 20+ year career. What started as a suggestion became a passion: guiding people through one of the biggest financial decisions of their lives.
Today, I serve borrowers locally with CrossCountry Mortgage, America’s #1 Retail Mortgage Lender. I focus on communication, education and visuals that help clients understand their numbers and submit more competitive offers.
I specialize in helping buyers who think homeownership isn’t possible — including self-employed borrowers, retirees, Veterans and clients buying before selling. My approach centers on long-term relationships, not just transactions.
When I’m not helping clients close their homes, I’m with my wife and our three daughters, golfing or grilling in true Vermont fashion.
Ready to get pre-approved? Let’s make your mortgage a win!
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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.