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701 Bethany Loop, Suite 2, Office 3-1 Bethany Beach, DE 19930 Mobile (703) 587-3339 [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
Hassan Habib
- Vice President
- Bethany Beach, DE Mortgage Loan Officer
- NMLS #207112
I’ll be with you every step of the way
Hi, I’m Hassan, and I’ve been helping clients achieve the American dream of homeownership since 1991. I offer a wide range of products—including conventional, jumbo, FHA, and VA loans—and tailor mortgage plans to fit your unique goals and needs. My goal is to find the mortgage solution that works best for you, whether you’re buying, refinancing, or investing.
I’m proud to serve the Bethany Beach, DE area, drawing on 14 years of experience as a mortgage company owner and senior manager for top lenders. This experience gives me the expertise to guide you through every step of the loan process, from pre-approval to closing. I’ll always be available to answer your questions and resolve any issues. I look forward to working with you, supported by the strength of America’s #1 Retail Mortgage Lender.
Before my mortgage career, I earned a Master of Engineering from Virginia Tech and worked as a civil engineer. Now, I’m proud to continue serving my community in the mortgage industry.
Hassan’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.