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3401 Mallory Lane, Suite 100 & 200 Office 126 Franklin, TN 37067 Tel (615) 457-8953 [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
Troy Casalone
- Originating Branch Manager
- Franklin, TN Mortgage Loan Officer
- NMLS #2117266
I’ll be with you every step of the way
Hi, I’m Troy, based in Franklin, TN. Finding the perfect loan for each client is my passion. No two situations are identical, which is why I take the time to understand your unique needs and goals. With hundreds of successfully funded loans under my belt—from conventional to reverse mortgages—I bring a wealth of experience and dedication to every homeownership journey.
My goal is to make this a smooth and stress-free experience for you. We’ll carefully review your qualifications and explore all your options to find the mortgage program that fits your financial picture. Clear communication is key, so you’ll feel confident making informed decisions every step of the way.
Your success and satisfaction are my top priorities. If there’s a loan program that can enhance your financial well-being, I’ll go the extra mile to help you secure it. As part of America’s #1 Retail Mortgage Lender, I look forward to finding the right loan for you.
Troy’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.