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  • 2211 Lee Road, Suite 109 Winter Park, FL 32789 Mobile (407) 616-8755 Tel (321) 257-3702 Michael.Spirito@ccm.com
Your Local CrossCountry Mortgage Loan Officer

Michael Spirito

  • Loan Officer
  • Winter Park, FL Mortgage Loan Officer
  • NMLS #1982298
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I’ll be with you every step of the way

Hi, I’m Michael, Whether you want to buy a home, refinance, or renovate, I’m dedicated to giving you the outstanding service you deserve. This may be your first mortgage or your ninth, but you are always my priority. I’ll listen to your homeownership dreams and answer your questions to help you achieve them.

From our first conversation, we’ll walk together every step of the way, and I’ll provide consistent updates on your loan, ensuring you feel confident in your choices. I also keep my real estate partners updated on the progress of each borrower they refer to me.

I offer a variety of programs—from conventional and jumbo to FHA and VA loans. As part of the Winter Park, FL team with America’s #1 Retail Mortgage Lender, I’m excited to personalize your mortgage experience and get started on your home financing journey.

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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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