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6 Dickinson Drive, Units 213, 214 & 215 Chadds Ford, PA 19317 Mobile (609) 876-6667 [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
Don Scioli
- Senior Vice President of Lending
- Chadds Ford, PA Mortgage Loan Officer
- NMLS #169344
I’ll be with you every step of the way
Hi, I’m Don. I’m a veteran in the mortgage industry, in both the brokerage and banking platforms, with more than 28 years of experience. As a senior loan officer at our Chadds Ford, PA branch at America’s #1 Retail Mortgage Lender, I’ve led highly effective lending teams here in Delaware for the last 23 years. I fully understand the stress of buying and selling a home and make it my highest priority to ensure all parties are comfortable and informed throughout the process.
My primary objective is to add the most value possible for each and every client I have the opportunity to serve. I offer competitive rates and fees and provide exceptional customer service, all while instilling a feeling of confidence that we’ll be with you every step of the way. My philosophy is simple: Be available to my clients, listen to their needs, clearly understand their goals, and work earnestly to accomplish them. By doing this, I aim to create lifelong customers eager to refer me to friends, colleagues, and family in the future.
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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.