-
1 Batterymarch Park, Suite 312 Quincy, MA 02169 Mobile (781) 718-6586 Tel (617) 221-8904 [email protected]
-
- monday: 8:00AM – 8:00PM
- tuesday: 8:00AM – 8:00PM
- wednesday: 8:00AM – 8:00PM
- thursday: 8:00AM – 8:00PM
- friday: 8:00AM – 8:00PM
- saturday: 8:00AM – 8:00PM
- sunday: 8:00AM – 8:00PM
-
- Construction Loan
- Purchase
- Refinance
- Renovation Loan
- Reverse Mortgage
Tom Shea
- Loan Officer
- Quincy, MA Mortgage Loan Officer
- NMLS #46464
America’s #1 Retail Mortgage Lender
Hi, I’m Tom from Quincy, MA. My passion is working with homeowners and first-time homebuyers to obtain a mortgage that helps them achieve their goals. Honesty, integrity, and always putting the client first are the cornerstones of my business. By taking a customer-focused approach to home financing, I keep my clients and their agents updated throughout the process to ensure a smooth transaction from pre-approval to closing.
Communication is the key to every mortgage. Starting with an open, one-on-one discussion about your loan options opens the door to many possibilities. Conventional, FHA, VA, and USDA loans are a few programs we can talk about to get you one step closer to your homeownership goals. As part of America’s #1 Retail Mortgage Lender, you are my top priority, and I look forward to lending a helping hand throughout the home financing process.
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.
Tom’s testimonials
Inspiration for your home loan journey
My social posts
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.