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  • 900 NW 17th Avenue, Unit 202 Delray Beach, FL 33445 Mobile (561) 719-3083 [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
    • Purchase
    • Refinance
Your Local CrossCountry Mortgage Loan Officer

Andrew Panaia

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  • Loan Officer
  • Delray Beach, FL Mortgage Loan Officer
  • NMLS #599806

Dedicated to getting it done

Hi, I’m Andrew. Why choose The Panaia Team? Our value lies in our knowledge of the local real estate market, established relationships, and financial expertise. We’ve demonstrated creativity and professionalism in finding the right mortgage solution for any issue that may arise. My team and I are dedicated to understanding your goals and priorities, walking you through the process, and giving you an outstanding home financing experience.

We start by listening because every loan and home is unique. You may be a first-time homebuyer, a long-time homeowner, buying an investment property, or planning a renovation. We offer a wide range of mortgages at America’s #1 Retail Mortgage Lender, including FHA, VA, conventional, jumbo, bank statement, and asset depletion programs. Together, we’ll find the right one for you. Sharing information is just as important as listening. My team and I keep you informed about your loan’s progress while answering your questions from application to closing and beyond.

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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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