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33-37 S 16th Street, 2nd Floor Philadelphia, PA 19102 Mobile (267) 353-3022 Tel (724) 256-4072 [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
Josh Gibbons
I’ll be with you every step of the way
Hi, I’m Josh! With 10 years of experience in the financial and banking industry, I started as a home mortgage consultant at a top national bank eight years ago. Four years ago, I transitioned over to the private bank to focus on the mortgage needs of high-end clients. After doubling my practice every year for the last four years, I decided to join the Stasolla Team at America’s #1 Retail Mortgage LEnder
I’m very knowledgeable when it comes to first-time homebuyers, new construction, and high-net-worth products. I’m also passionate about the building industry in Philadelphia, PA, and supporting initiatives for affordable housing. I currently run the Young Professionals Committee of the Builder Association of Philadelphia and serve as a consultant for the board of the BIA. In 2019, I was awarded Rookie of the Year by the Pennsylvania Builder Association.
Whatever your next step in life may be, it’s never too early to reach out to me for advice about the homebuying process.
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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.