Bob Joyce

Senior Loan Officer

NMLS #196322

99 Rosewood Drive Suite 225
Danvers, MA 01923
(978) 226-6147 (978) 226-6147
Cell phone
(617) 365-9432 (617) 365-9432
[email protected]
Specializes in
Purchase and Refinance
Refinance Loans



About Bob

Thank you for taking the time to get to know me and my team a little better. As a loan officer on the Jeff Palermo Team here at Cross Country Mortgage, I am proud that our team has been ranked in top 1% nationwide for the past 7 years by Mortgage Originator Magazine. A key reason for our success is that we have our own dedicated processor, as well as 3 underwriters located directly in our branch. This gives us the ability to close loans in 21 days or less. Having a team of 7 people, you can rest assure that we will handle your loan with the utmost care throughout the process. We provide Conventional, Jumbo, FHA, VA, USDA and MA Housing Financing. I am licensed in MA, ME, NH, CT and FL.

My goal is to provide you with the highest level of service so when your friends, family or co-workers are looking for a loan, you will gladly send them my way.


Recent Posts and Articles

  • 4 Reasons Why You Should Compare Mortgages

    Are you ready to buy a house? Browse our broad selection of mortgage products and loan officers to find the best fit for your home financing situation.

  • The Power of Choice When Buying a Home or Refinancing a Mortgage

    There is no right or wrong answer when it comes to selecting a mortgage. Whether you’re buying a home or refinancing your current mortgage, there are several programs to choose from to help you reach your financial and personal goals.

  • Expand Your Horizons By Refinancing Your Mortgage

    Refinancing a mortgage does more than lower mortgage interest rates. Discover how you can get closer to achieving your life goals after refinancing your loan!

  • Is This a Good Time to Refinance? 

    Trying to decide if you should refinance your mortgage? We’ve crafted a list of reasons why refinancing your mortgage could be the right fit for you!

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoothly.

  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (978) 226-6147