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404 Camino Del Rio South, Suite 205 San Diego, CA 92108 Mobile (619) 278-8562 Tel (619) 278-8562 [email protected]
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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
John Fagan
- Mortgage Advisor
- San Diego, CA Mortgage Loan Officer
- NMLS #288546
I’ll be with you every step of the way
Hi, I’m John, and I’ve been in the mortgage industry for almost 20 years. Based in our San Diego, CA branch, my extensive career as a Loan Officer and my past experience as a real estate agent give me a unique understanding of the needs of both my clients and referral partners. In my continual professional growth, I’ve become an expert in traditional loan products and specialize in unique loans like renovation financing and reverse mortgages for seniors—making me one of the few loan officers in the region who can proudly make that claim!
As part of America’s #1 Retail Mortgage Lender, when you work with me, I’ll always be by your side. Home financing is about more than a loan—it’s about giving people a satisfying customer experience and helping them invest in their future. I’m available seven days a week to always answer questions and work diligently to make your homeownership dreams come true. I’m looking to build relationships that last my entire career, so let’s get started on your home financing journey today.
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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.