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205 S. Hoover Blvd., Suite 203 Tampa, FL 33609 Mobile (813) 786-1941 Tel (813) 786-1941 [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
Tommy Bearint
- Outside Loan Originator / Sales Manager
- Tampa, FL Mortgage Loan Officer
- NMLS #226071
I’ll be with you every step of the way
Hi, I’m Thomas. From realizing dreams of homeownership to lowering monthly mortgage payments, I get it done for my clients. Since joining the mortgage industry in 2001, I’ve achieved incredible success, including being awarded:
- Top 1% of Mortgage Originators in America by Mortgage Executive Magazine in 2017, 2019, and 2020.
- Top Dollar Volume by Scotsman Guide.
- President’s Club membership.
Now, I’m focused on a single goal: providing you with unparalleled service at America’s #1 Retail Mortgage Lender. As a first-time homebuyer and down payment program specialist, I’m an expert in making the American dream come to life. However, everyone’s goal isn’t the same. That’s why the mortgage process starts with a conversation. I want to understand your goals and circumstances to give you personalized home loan options. I offer a wide range of programs, including FHA, VA, USDA, jumbo, renovation, and conventional mortgages.
Your home loan experience doesn’t end with finding a mortgage. From pre-approval to closing and beyond, I promise to be there to answer your questions and help tackle new life goals. I look forward to providing the communication and care you deserve.
Tommy’s testimonials
Guides and resources
My social posts
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.