-
- 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
Jay Tolisano
- Divisional SVP of Production
- Fairfield, CT Mortgage Loan Officer
- NMLS #109296
I’ll be with you every step of the way
Hi, I’m Jay, and I’m committed to helping you achieve your homeownership dreams. As the Branch Manager of CrossCountry Mortgage in Connecticut, I bring years of experience and a dedication to client satisfaction. I offer a range of loan options, from FHA and VA to conventional and jumbo, and I’m proud to represent America’s #1 Retail Mortgage Lender.
Join me for my Home Buying 101 Webinar, where you’ll learn how to work effectively with your real estate agent and loan officer, ensuring a smooth homebuying experience. I look forward to providing you with exceptional communication, service, and a home loan experience tailored to your goals.
Raised in Hamden, CT, and a graduate of the University of Connecticut, I’ve built a strong network of trusted referral partners and lifelong clients. My parents, who were hardworking business owners in healthcare and real estate, instilled in me a commitment to never giving up when faced with challenges, which I bring to every client relationship.
My Videos
My social posts
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
Jay’s testimonials
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.
-
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.
-
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.
-
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.
-
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.