-
2320 Congress Street, Suite C Portland, ME 04102 Mobile (207) 210-7129 Tel (207) 210-7129 [email protected]
-
- 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
-
- Purchase
- Refinance
Gary Thibodeau
- Loan Officer
- Portland, ME Mortgage Loan Officer
- NMLS #2425105
I’ll be with you every step of the way
Hi, my name is Gary, and I’m a motivated loan officer who enjoys being part of the mortgage industry and all the moving pieces that come with it. As the father of two boys, Ryder and Miller, I understand the value of owning a home – a place to create family memories. As a loan officer at the Portland, ME branch of America’s #1 Retail Mortgage Lender, I’m here to give you a memorable home financing experience.
I’ll start our time together by listening. That’s how I’m able to structure your ideal home loan — by understanding your goals and priorities. We’ll then discuss a selection of programs – like conventional, FHA, VA, and USDA loans – to find the right one for your home. As we make our way to closing, I’ll be available to answer your questions and ensure a smooth mortgage process. I look forward to being part of your homeownership journey.
In my downtime, I like to travel, cook, host family and social gatherings, and cheer on my two favorite teams: the New York Jets and Boston Celtics!
Gary’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.