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2211 Lee Road, Suite 109 Winter Park, FL 32789 Mobile (407) 616-8755 Tel (321) 257-3702 [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
Michael Spirito
- Loan Officer
- Winter Park, FL Mortgage Loan Officer
- NMLS #1982298
I’ll be with you every step of the way
Hi, I’m Michael, Whether you want to buy a home, refinance, or renovate, I’m dedicated to giving you the outstanding service you deserve. This may be your first mortgage or your ninth, but you are always my priority. I’ll listen to your homeownership dreams and answer your questions to help you achieve them.
From our first conversation, we’ll walk together every step of the way, and I’ll provide consistent updates on your loan, ensuring you feel confident in your choices. I also keep my real estate partners updated on the progress of each borrower they refer to me.
I offer a variety of programs—from conventional and jumbo to FHA and VA loans. As part of the Winter Park, FL team with America’s #1 Retail Mortgage Lender, I’m excited to personalize your mortgage experience and get started on your home financing journey.
Michael’s testimonials
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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.