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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
Michael Dean
- Branch Manager
- Winter Park, FL Mortgage Loan Officer
- NMLS #1119943
I’ll be with you every step of the way
Hi, I’m Michael, and when you purchase a home, you’re placing a lot of trust in your loan officer. While our interaction may last only 30 days or so, I’ve dedicated my life to making that process smooth and successful. As a thorough and calculated tactician, I aim to build lifetime relationships with my clients, and they know they can count on me.
I’ve lived in Central Florida since birth and work in the heart of Downtown Orlando as a branch manager for CrossCountry Mortgage. Being a local lender means my reputation is on the line with every transaction. As part of America’s #1 Retail Mortgage Lender, I’ve helped thousands of families in the Central Florida community achieve homeownership, and I’d be honored to do the same for you.
I’m proud to have been ranked on the Scotsman Guide Top Originators 2021 list and included in SocialSurvey’s 2019 list of America’s Top 50 Loan Officers for Customer Satisfaction.
Michael’s testimonials
Guides and resources
My social posts
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.