Your Peabody, Massachusetts mortgage experts
Your Future Our Focus
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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
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
Guides and resources
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
Joseph’s testimonials
Meet our team
Joseph Girolamo
- Originating Branch Manager
- NMLS #496314
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
- [email protected]
- mobile 617-771-1382
- tel 978-346-3807
- fax 978-717-3546
Gary Girolamo
- Vice President/Branch Manager
- NMLS #872561
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
Robert Capone
- Outside Loan Originator
- NMLS #37605
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
Aldo Castro
- Senior Loan Officer
- NMLS #272755
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
Gerta Mujaj
- Senior Loan Officer
- NMLS #69124
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
Carey Kaprelian
- Loan Officer
- NMLS #828765
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
- [email protected]
- mobile 781-234-8262
- tel 978-717-3056
- fax 978-717-3127
Jane Mangiafico
- Sales Manager/Inside Loan Originator
- NMLS #2250114
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
Olga Laffitte
- Outside Loan Originator
- NMLS #184664
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
- [email protected]
- mobile 857-250-5385
- tel 508-659-9433
- fax 508-659-9434
Bianca Pelletier
- Outside Loan Originator
- NMLS #2304332
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
Andy Kristen
- Senior Loan Officer
- NMLS #1357428
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
- [email protected]
- mobile 781-400-4621
- tel 978-548-6059
- fax 978-548-6059
Michael Alvarez
- Loan Officer
- NMLS #2244505
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
- [email protected]
- mobile 617-329-9493
- tel 978-595-1189
- fax 978-595-1189
Michael Caras
- Senior Loan Officer
- NMLS #1489370
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
- [email protected]
- mobile 978-979-8372
- tel 978-955-2328
- fax 978-955-2328
Jonathan Charles
- Loan Officer
- NMLS #2007971
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
- [email protected]
- mobile 781-353-1210
- tel 978-548-6576
Matthew Calver
- Sr. Loan Officer
- NMLS #208647
- 474 Lowell Street
- Store #10
- Peabody, MA 01960
- [email protected]
- mobile 978-360-1550
- tel 978-548-6980
Our support staff
Fred Girolamo
Vice President
Tom Traverse
Senior Loan Officer
Nanette Daley
Loan Processor Supervisor
Ramses Vittini
Sales AssociateMichele Girolamo
Business Relations Coordinator
James Noftle
Sales Associate
Marc Linehan
Sales AssociateLisa Limongiello
Loan ProcessorMy social posts
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.