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- Conventional Loan
- FHA Loan
- Purchase
- Refinance
- VA Loan
John Assily
- Senior Loan Advisor
- Walnut Creek, CA Mortgage Loan Officer
- NMLS #291314
I’ll personalize your home financing
Hi, I’m John. I have over 30 years of real estate lending experience in the mortgage broker, banking, and retail bank areas. I specialize in residential purchase, construction, and refinance loans. My business is 100% referral-driven, and my goal is to make the loan process as smooth and easy as possible for every client. My experience, along with the many lending sources and relationships that CrossCountry Mortgage has, gives my clients a big edge when negotiating for and purchasing a home.
In the ever-changing residential mortgage market, knowledge and experience are key. As a senior loan officer at our Walnut Creek, CA branch at America’s #1 Retail Mortgage Lender, I provide that experience in the conforming, jumbo, FHA, and VA lending areas. My clients benefit from my personalized service and attention to detail throughout the entire loan process. My ability to navigate through all the recent changes in the mortgage industry and guide my clients to a smooth and successful loan closing has been my hallmark.
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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.