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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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Your Local CrossCountry Mortgage Loan Officer
Josh Gowar
- Senior Loan Officer
- Orlando, FL Mortgage Loan Officer
- NMLS # 2047181
I’ll be with you every step of the way
Hello! My name is Josh Gowar, and I’m a loan officer serving all of Florida. I guide homebuyers, Investors and homeowners through buying a home or refinancing with support from America’s #1 Retail Mortgage Lender.
I joined the mortgage industry in 2020 because it allows me to impact my community by serving others, no matter their financial starting point. I specialize in financing investment properties and primary residences using FHA, conventional, jumbo, DSCR, bank statement and other non-traditional financing programs.
My approach is rooted in purpose — I’m here to serve by simplifying the process and helping you feel confident in one of the most important financial decisions of your life. Whether you’re building your portfolio or buying a home, I focus on clear communication and tailored solutions.
When I’m not serving others, I enjoy spending time with family and friends, going to the beach, hosting BBQs, trying new restaurants and volunteering at local churches and food banks.
Josh’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.