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625 West Ridge Pike Building A Suite 100 Conshohocken, PA 19428 Mobile (215) 272-8912 Tel (610) 355-8142 [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
Todd Hennessy
- Regional Manager/Originating Branch Manager
- Conshohocken, PA Mortgage Loan Officer
- NMLS #133335
I’ll be with you every step of the way
Hi, I’m Todd, and I’m excited to help you open the door to your dream home with America’s #1 Retail Mortgage Lender! Based in Conshohocken, PA, I began my mortgage career in 2002 after years in sales and real estate. Widely respected as a top-producing Loan Originator in the tri-state area, I’m known for making the home purchase process clear, affordable, and successful. By working with leadership at CrossCountry Mortgage, I helped redesign the entire mortgage process, creating what we call the “Referable Experience”—a stress-free and transparent journey in home financing.
My approach combines high-level customer service with efficient operations, allowing me to spend more time meeting with clients and planning for their success. Let’s make your homeownership journey a success together!
When I’m not helping people with their mortgage needs, I’m enjoying a round of golf, biking, snowboarding, or spending time with my wife and our three young children.
Todd’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.