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101 Airport Rd., Suite 2S Westerly, RI 02891 Mobile (401) 378-4467 Tel (401) 618-0006 [email protected]
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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
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- Purchase
- Refinance
Deana Bobbin
- Originating Branch Manager
- Westerly, RI Mortgage Loan Officer
- NMLS #374255
I’ll be with you every step of the way
Hi, I’m Deana, and with over 20 years in the mortgage industry, I’m here to help turn homebuyers into homeowners. A Native Rhode Islander who has lived in many different places before returning back to RI to raise my own family, I understand how personal each homeownership dream is. At our Westerly, RI branch, I offer a variety of programs – from conventional and jumbo to FHA and VA loans – to help you get the place you truly want.
With America’s #1 Retail Mortgage Lender, I’m committed to making your homeownership dream a reality. As a daughter of a Veteran and a mom of a Teacher, helping our Heroes is close to my heart. I’m a proud participant of Heroes Benefit Network, a purpose-driven organization honoring our Heroes by providing genuine savings when purchasing a home.
Outside of work, I enjoy spending time with my family and volunteering for a wonderful non profit organization called Rhode Home Rescue where we try to save as many dogs as we can, one dog at a time!
Deana’s testimonials
Guides and resources
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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
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.