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205 S. Hoover Blvd., Suite 203 Tampa, FL 33609 Mobile (407) 367-9190 Tel (407) 645-6300 [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
Michael Smalley
- Regional Vice President
- Tampa, FL Mortgage Loan Officer
- NMLS #289846
I’ll be with you every step of the way
Hi, I’m Michael. After entering the mortgage industry in the summer of 2002, I rose from a loan officer to become a regional vice president at CrossCountry Mortgage. I’m a nationally recognized mortgage expert—the first loan originator in Florida to receive both the Certified Mortgage Planning Specialist® and Certified Mortgage Advisor™ designations.
An accomplished public speaker, I’m the youngest person to be a featured speaker in the history of the LoanToolBox Business Plan Conference, with an audience of 2,000 loan officers from across the country. I hold monthly training workshops for Florida real estate agents and have presented at the Mortgage Revolution Conference, Sales Mastery, and Mortgage Mastermind.
In addition to managing my region, I remain an active loan officer dedicated to assisting clients. Over my career, I’ve closed over $800 million in loan volume, helping over 3,000 families with their home financing. I can’t wait to do the same for you at America’s #1 Retail Mortgage Lender.
Michael’s testimonials
Guides and resources
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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.