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Your Local CrossCountry Mortgage Loan Officer

John Kersey

  • Loan Originator
  • Delray Beach, FL Mortgage Loan Officer
  • NMLS #1737318

I’ll be with you every step of the way

Hi, I’m John, and since becoming licensed in 2018, I’ve helped over 500 families achieve their homeownership dreams. My top priority is maintaining strong communication with my clients and partners, ensuring a smooth and simple mortgage process. My goal is to provide an experience that leaves you excited to recommend my team and me for future home purchases.

When you work with us at the Delray Beach, FL branch of America’s #1 Retail Mortgage Lender, we’ll listen carefully to understand your goals and circumstances. If you’re a first-time homebuyer, I’ll guide you through each step of the loan process and answer any questions along the way. For seasoned homeowners, we’ll discuss the latest products and how conventional, jumbo, FHA, and VA programs have evolved to meet today’s market. Together, we’ll navigate the mortgage process and make your homeownership dreams a reality.

In my free time, I’m an avid surfer, yogi, and golfer. I love to travel and spend time with my wife and son, relaxing at home or enjoying the beach.

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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Man relaxing on couch in living space reads about Bye-Bye PMI product on cell phone.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

For full terms and conditions, visit ccm.com/buynowrefilater

Save on Your Mortgage Every Month

Say Bye-Bye PMI 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI). 

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Join us for local or online event

Winning with Objections – 12/9

Tuesday, December 9, 2025 | 11:45 AM Northeast Florida Marlin Association, 3030 Harbor Drive, St. Augustine, FL 32084
Register
For Real Estate Agents Who Want To Win At The Highest Level

Are you ready to convert more buyers and sellers by overcoming today’s most common objections?

As an agent, knowing what to say and how to say it differently will help you surpass the competition.

Join John Kersey, Top 1% Mortgage Originators in the State of Florida for the past 5 years, as he shares his unorthodox approach to overcoming the most common buyer and seller objections.

WARNING: This event is for those that want to sell more real estate.

Objection Topics:

  • Waiting to Buy/Sell
  • I’ll Stay Renting
  • Home Affordability
  • Can’t Buy Before Selling
  • Listing Price Reduction
  • Cut Your Listing Compensation
  • Cut Your Buyer Compensation
  • Why Should I Choose You as My Agent?

Registration begins at 11:45 AM!

Winning with Objections – 12/11

Thursday, December 11, 2025 | 11:45 AM Landmark Title, 7220 Financial Way, Jacksonville, FL 32256
Register
For Real Estate Agents Who Want To Win At The Highest Level

Are you ready to convert more buyers and sellers by overcoming today’s most common objections?

As an agent, knowing what to say and how to say it differently will help you surpass the competition.

Join John Kersey, Top 1% Mortgage Originators in the State of Florida for the past 5 years, as he shares his unorthodox approach to overcoming the most common buyer and seller objections.

WARNING: This event is for those that want to sell more real estate.

Objection Topics:

  • Waiting to Buy/Sell
  • I’ll Stay Renting
  • Home Affordability
  • Can’t Buy Before Selling
  • Listing Price Reduction
  • Cut Your Listing Compensation
  • Cut Your Buyer Compensation
  • Why Should I Choose You as My Agent?

Registration begins at 11:45 AM

John’s testimonials

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Inspiration for your home loan journey

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A couple sitting on their porch discussing when mortgage rates will go down & their mortgage refinance options.

When Will Mortgage Rates Go Down?

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FHA Loan Requirements Checklist 2025

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What Are Conforming Loan Limits?

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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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

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