The Amentola Team
Your Future Our Focus
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99 Rosewood Drive Suite 225 Danvers, MA 01923 Mobile (617) 293-6102 Tel (978) 226-6146 [email protected]
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- Purchase
- Refinance
We’ll be with you every step of the way
As the Danvers, MA branch of America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. Our team of licensed and seasoned mortgage professionals are here to assist you through the entire mortgage process. You are our priority, and we are committed to providing you guidance and support through every step of the loan process.
Whether you are buying, refinancing, or renovating, we offer a wide range of loan programs to fit your goals. Conventional, VA, FHA, and USDA are just the start. Together, we’ll find the one to achieve your homeownership dreams.
We pride ourselves on developing long term customer relationships so we can be your mortgage lender of choice. Recognized as the Top Branch in CrossCountry Mortgage for 2017, we look forward to sharing our success with you for years to come.
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Guides and resources
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
John’s testimonials
Meet our team
John Amentola
- Originating Branch Manager
- NMLS #14262
- 99 Rosewood Drive Suite 225
- Danvers, MA 01923
- [email protected]
- mobile 617-293-6102
- tel 978-226-6146
- fax 978-705-4376
Our support staff
Maria Noonan
Loan ProcessorMy social posts
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.