Headshot of Jay Franklin

Jay Franklin

Branch Manager

The Franklin Team

NMLS #199740

2127 Espey Court, Suite 208
Crofton, MD 21114
Contact Methods
tel Phone
mobile Mobile
(240) 463-1634
fax Fax


About Jay

Jay Franklin, Co-Branch Manager at CrossCountry Mortgage, has been one of the leading loan officers in the Maryland area for over 25 years. Jay has received numerous awards throughout his career for his high level of customer service and production. Even after 25 years, he still loves helping homebuyers achieve their homeownership goals. Whether purchasing their first home, second home, or an investment property, Jay is honored to be a lifetime mortgage resource for his clients.

Jay’s work ethic was instilled early on and has helped him excel in the mortgage business. A lifelong Marylander, he was active in athletics growing up and continued through college. He has found this background to serve him well in the naturally competitive home financing industry. In addition, he enjoys the very fast pace and uniqueness of every day. To Jay, home financing is not a 9-to-5 job.

Jay’s available to clients no matter the time or day. While the loan process can be as personal or impersonal as you prefer, he enjoys interacting with and meeting people. Jay’s team gets everything upfront, so the process is as smooth as possible from the initial application to closing. It’s a team effort and they work together to make each transaction a success.

When Jay is not working with clients, he enjoys spending time with his wife Kara, and their two boys Tommy and Brooks, and chocolate lab Hershey.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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