The Koutsos Team
Your Future Our Focus
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- Down Payment Assistance
- First-Time Homebuyers
- Jumbo Loan
- Purchase
- Refinance
We’ll be with you every step of the way
The journey to homeownership is like a road trip and The Koutsos Team mortgage lenders are your GPS. Our team is dedicated to delivering top-notch service to all clients and have been able to help over 8,000 people realize their dream of homeownership. We are passionate about the mortgage business and want to help you achieve a smooth closing. We seek to educate, communicate, and provide solutions to our clients. Simply put, we keep a constant eye on the interest rate market and aim to help you attain a low monthly mortgage payment and save you money over time.
Education and Workshops
We care for our clients and focus on understanding their individual financial circumstances and using our expertise to help them attain financial security and peace of mind with the right loan. For homebuyers, we offer mortgage education workshops and participate in numerous CHAPA certified first-time homebuyer seminars throughout the state of Massachusetts.
Contact
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.
Inspiration for your home loan journey
George’s testimonials
Meet our team
George Koutsos
- Senior Vice President
- NMLS #29613
- 99 Rosewood Drive Suite 225
- Danvers, MA 01923
- [email protected]
- mobile 781-864-0889
- tel 781-864-0889
Joe Kim
- Senior Loan Officer
- NMLS #866092
- 354 Merrimack Street
- Suite 315
- Lawrence, MA 01843
- [email protected]
- mobile 215-237-3057
- tel 215-237-3057
Our support staff
Kosta Diamantopoulos
Divisional Manager, Strategic Relationships & Growth
Kristiana Koutsos
Sales Assistant
Lexie Koutsos
Loan Partner
Michael Everson
Loan PartnerMy social posts
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.