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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 – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
- saturday: 8:00AM – 6:00PM
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- Construction Loan
- Purchase
- Refinance
- Renovation Loan
- Reverse Mortgage
Your Local CrossCountry Mortgage Loan Officer
John Fagan
- Mortgage Advisor/Reverse Mortgage Specialist
- San Diego, CA Mortgage Loan Officer
- NMLS #288546
I’ll be with you every step of the way
Hi, I’m John. With 23+ years as a loan officer, I’ve handled all types of home financing. The last eight years as a reverse mortgage specialist have been the most rewarding, helping seniors improve their quality of life and financial freedom in retirement. I’m also an expert in construction, renovation, conventional, jumbo, VA and FHA loans.
Each of these mortgage loans can feel like different language, but I’m fluent in all and will guide you every step of the way. My unique expertise with each loan type lets me present multiple solutions, explain each clearly and provide sound advice tailored to your plans. Whether you’re planning for retirement, buying a home or investment property, refinancing, getting a second mortgage or purchasing land to build, I’m here to help you achieve your homeownership goals.
Once you work with me, you’re a client for life. I’m available six days a week to answer your questions, deliver an excellent experience and support you beyond closing. Let’s start 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.