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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. Having lived in Minnesota, Ohio, Virginia, and North Carolina before making Rhode Island my home, I understand how personal each homeownership dream is. As part of our Westerly, RI branch, I offer a variety of loan programs to help you get the place you truly want. From conventional and jumbo to FHA and VA loans, we’ll discuss specifics and explore your options.
As a member of America’s #1 Retail Mortgage Lender, I’m committed to making your homeownership dream a reality. Whether it’s about spending quality time with family and fur babies in your own home or finding your forever place, I’m here to guide you every step of the way.
Outside of work, I enjoy spending time with my husband of over 28 years, my adult children, my fur baby Ella, and especially days at the beach!
Deana’s testimonials
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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.