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17550 N Perimeter Drive, Suite 370 Scottsdale, AZ 85255 Mobile (480) 773-2118 Tel (480) 863-5917 [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
Justin Whalen
- VP of Residential Lending
- Scottsdale, AZ Mortgage Loan Officer
- NMLS #369112
I’ll be with you every step of the way
Hi, I’m Justin. Born and raised in Portland, Oregon, I’ve always desired to be part of a team. From playing sports growing up to getting a scholarship to play Division I baseball at the University of Portland, being on a team has been a huge part of my life.
Those experiences have led me to a 25-year career in sales, sales management, marketing, and business development. As Vice President of Residential Lending with America’s #1 Retail Mortgage Lender in our Scottsdale, AZ branch, I bring a tenacious spirit, determination, and customer-centric attitude to the table for my borrowers and partners. These qualities lead to long-lasting relationships and trust with my clients.
My team’s focus on service and ability to offer personalized financing options has earned an extensive network of partners and repeat business. Whether you’re buying your first home, next home, or investment property, we can’t wait to help you get it done.
Justin’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.