Reverse One Team
Your Future Our Focus
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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.
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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.
Meet our team
Cindy Perham
- HECM/ Housing Wealth Specialist
- NMLS #110424
- 46 Miller St.
- #1
- Fairfield, CT 06824
Leslie Heid
- Reverse Mortgage Specialist
- NMLS #1252398
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 562-774-4112
- tel 800-316-9311
- fax 833-436-0220
Alisia Burnett
- Loan Officer
- NMLS #1122389
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 949-449-3177
- fax 310-574-7709
Paula Bergfeld
- HECM/Housing Wealth Specialist
- NMLS #146985
- 645 West Carmel Drive
- Suite 170
- Carmel, IN 46032
- [email protected]
- mobile 317-289-3220
Heather Hayes
- Loan Consultant/Advisor
- NMLS #1541645
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 904-309-3782
- tel 949-516-0616
Michael O’Connor
- Regional Sales Manager
- NMLS #485921
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-513-7098
Elaine Perri
- Loan Officer
- NMLS #27740
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 516-220-8037
- tel 631-759-4429
- fax 631-759-4429
Doug Polk
- Reverse Mortgage Advisor
- NMLS #339085
- 4280 N Campbell Avenue
- Suite 107
- Tucson, AZ 85718
- [email protected]
- mobile 520-441-4532
Megan Brogna
- HECM/Housing Wealth Specialist
- NMLS #485942
- 37 West Avenue Suite 201
- Wayne, PA 19087
- [email protected]
- mobile 215-321-8602
- fax 631-284-4085
Patrick Ortiz
- Reverse Mortgage Advisor
- NMLS #209728
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 714-713-5944
- tel 714-790-3005
- fax 714-790-3005
Rick MacFadden
- Loan Officer
- NMLS #2485568
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 845-636-0802
- tel 516-386-0653
Jeff Cota
- Certified Reverse Mortgage Professional
- NMLS #232239
- 8885 Rio San Diego Drive
- Suite 370
- San Diego, CA 92108
- [email protected]
- mobile 619-279-6418
- fax 631-552-5805
Kathy Burns
- Reverse Mortgage Specialist
- NMLS #288457
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 818-309-8083
- fax 562-598-3080
Richard Stewart
- Reverse Mortgage Specialist
- NMLS #1428112
- 4610 South Ulster Street
- Suite 300
- Denver, CO 80237
- [email protected]
- mobile 303-478-3525
Alina Passarelli
- Certified Reverse Mortgage Professional
- NMLS #525407
- 6385 Old Shady Oak Road
- Suite 250 Office 209
- Eden Prairie, MN 55344
Annemarie Drosos
- Reverse Mortgage Specialist
- NMLS #1197293
- 2855 Mitchell Drive
- Suite 235
- Walnut Creek, CA 94598
- [email protected]
- mobile 530-736-2295
- tel 925-433-9619
- fax 925-433-9619
Frank Borg
- Senior Loan Officer
- NMLS #397306
- 9505 19th Ave SE
- Suite 114 & 115
- Everett, WA 98208
- [email protected]
- mobile 425-949-2889
Troy Casalone
- Originating Branch Manager
- NMLS #2117266
- 3401 Mallory Lane
- Suite 100 & 200 Office 126
- Franklin, TN 37067
Earl Rose
- VP of Reverse Mortgage Lending
- NMLS #212480
- 7760 France Ave. S
- Suite 1010
- Bloomington, MN 55435
- [email protected]
- mobile 612-801-3491
- tel 612-801-3491
Rock Planck
- Reverse Mortgage Specialist
- NMLS #330410
- 645 West Carmel Drive
- Suite 170
- Carmel, IN 46032
- [email protected]
- mobile 317-660-1739
- tel 463-213-3057
- fax 463-213-3057
Tom Hammond
- Senior Reverse Specialist
- NMLS #453399
- 5101 Monroe Rd.
- Suite 102
- Charlotte, NC 28205
Gregg Scharin
- Senior Reverse Specialist
- NMLS #120297
- 14555 N Scottsdale Road
- Suite 350
- Scottsdale, AZ 85254
Daniel Lotz
- Reverse Loan Originator
- NMLS #2126399
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 949-584-6233
- tel 949-584-6233
Steve Cox
- Originating Branch Manager
- NMLS #11381
- 12639 W Explorer Drive
- Suite 175
- Boise, ID 83713
- [email protected]
- mobile 208-870-8837
- tel 208-297-2048
- fax 208-297-2048
Catalina Gonzalez
- Originating Branch Manager
- NMLS #219957
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
Carlos Camargo
- Originating Branch Manager
- NMLS #362117
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 818-324-3802
- tel 805-985-2808
Linda Weilert
- Originating Branch Manager
- NMLS #719190
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 408-656-3751
- tel 408-647-7600
Christopher Weilert
- Mortgage Loan Officer
- NMLS #1457408
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 408-981-3725
- tel 408-647-7600
Marilyn Brown Ross
- Senior Reverse Specialist
- NMLS #453436
- 881 Dover Drive
- Suite 110
- Newport Beach, CA 92663
- [email protected]
- mobile 408-722-0010
Steve Bentler
- Retirement Mortgage Specialist
- NMLS #107858
- 600 University Street Suite 1701
- Seattle, WA 98101
- [email protected]
- mobile 425-894-1040
- tel 206-279-1986
Len Patanella
- Loan Officer
- NMLS #183043
- 102 Chestnut Ridge Rd Suite 200
- Montvale, NJ 07645
- [email protected]
- mobile 732-962-5009
Our support staff
Nicholas Petrillo
Divisional VP
Shannon Pignetti
Executive AssistantMy 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.