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- Purchase
- Reverse Mortgage
Your Local CrossCountry Mortgage Loan Officer
Ron Farina
- Vice President of Lending
- Mt. Prospect, IL Mortgage Loan Officer
- NMLS #2593410
I’ll be with you every step of the way
After spending over 20 years in the insurance industry, I made the decision to transition into the mortgage industry because of my passion for helping people. In insurance, I worked with clients to protect what mattered most — their families, assets and future. Now, as Vice President of Lending with The Tory Tarsitano Group at America’s #1 Retail Mortgage Lender, I’m able to guide people through one of the most important financial decisions they’ll ever make: buying a home.
My approach is based on a consultative mindset. I’ll listen to your long-term goals and priorities so I can help you achieve them. Going beyond rates and approvals, we’ll create a personalized strategy that supports your success. From application to closing, I want you to feel informed, supported and confident every step of the way.
I live in Naples, FL, with my wife Erin, our son Wyatt, and our two loveable dogs. Outside of work, I enjoy spending time outdoors, especially fishing, and have a passion for cooking.
Ron’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.