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14555 N Scottsdale Road, Suites 350 Scottsdale, AZ 85254 Mobile (847) 401-0755 Tel (847) 603-2221 [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
David Holan
- VP of Mortgage Lending
- Scottsdale, AZ Mortgage Loan Officer
- NMLS #223789
I’ll be with you every step of the way
Hi, I’m David, a loan officer with over 30 years of experience at our Scottsdale, AZ branch with America’s #1 Retail Mortgage Lender. Delivering exceptional service continues to be my mission as your partner in the home financing journey. I keep you fully informed throughout the loan process so that you can make confident decisions about your future.
Whether this is your first home, your next home, a refinance, or an investment property, I’m here to answer your questions and explain your options. I’m especially proud of the work I do with first-time homebuyers, helping them realize the American Dream of homeownership. As your mortgage lender, I listen to your individual financing needs and provide the best opportunities for you.
I look forward to offering a customized loan experience and outstanding customer service. It’s my job to ensure a smooth, professional transaction that exceeds your expectations. Let’s work together to make your home financing journey a success!
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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.