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1211 Newell Ave, Suite 200 Walnut Creek, CA 94596 Mobile (510) 761-5051 Tel (925) 433-9613 [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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- First-Time Homebuyers
- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
John Glynn
I’ll be with you every step of the way
Hi, I’m John! Since 1998, my passion has been personal finance. When you work with me, you’re getting a dedicated financial strategist who truly understands your unique situation. Each mortgage is different, and I specialize in tailoring home financing solutions that fit your personal goals. Together, we’ll develop a strategy and utilize a wide array of mortgage products to help you achieve your dream home.
From pre-approval to closing, I’ll guide you through every step of the mortgage process, providing continuous updates and being available to answer your questions. I look forward to helping you on your homeownership journey.
Personally, I’m happily married and a proud father of three wonderful children. My wife is a co-founder of a startup company, and when I’m not working, I love spending time outdoors snowboarding, mountain biking, and coaching my kids’ sports teams. I also serve on an award panel for a tuition scholarship at the University of Mississippi School of Law.
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.
John’s testimonials
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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.