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  • 900 NW 17th Avenue, Unit 202 Delray Beach, FL 33445 Mobile (561) 723-9157 [email protected]
    • 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
    • Conventional Loan
    • First-Time Homebuyers
    • Investment Property
    • Purchase
    • Reverse Mortgage
Your Local CrossCountry Mortgage Loan Officer

Jim Giacone

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  • Branch Manager
  • Delray Beach, FL Mortgage Loan Officer
  • NMLS #174500

I’ll be with you every step of the way

I’m a seasoned professional in the mortgage industry with over 25 years of experience. I’ve consistently been ranked as one of the Top Originators in the country by Scotsman Guide and have been recognized as Who’s Who in South Florida real estate by South Florida Agent magazine.

Based in Florida, my dedication to providing top-notch service has solidified my reputation as a reliable and trustworthy mortgage professional throughout Palm Beach, Broward, Miami-Dade, and Martin counties. With licenses spanning across the U.S., including New Jersey, New York, and Pennsylvania, I’m certified to address client’s financing needs nationwide.

Whether a first-time homebuyer, a self-employed borrower purchasing multi-million-dollar properties, an investor expanding their portfolios, or a current homeowner needing to refinance, I believe in tailoring mortgage solutions to meet each client’s unique goals while providing superior service and simplifying the home financing experience.

 

Originally from New Jersey and a graduate of Penn State University, my wife and I have called South Florida their home for over 30 years. Outside of work, I enjoy golfing, gardening, traveling, and drumming in his church’s worship band.

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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.

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Frequently asked questions

  • 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.

  • 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. 

  • 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.

  • 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.

  • 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. 

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