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696 1st Avenue N, Suite 204 St. Petersburg, FL 33701 Mobile (727) 342-3462 Tel (727) 390-2268 [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
Mark Thompson
I’ll be with you every step of the way
Hi, my name is Mark. There’s no place like home, and my home has always been St. Petersburg, Florida! I grew up here and absolutely love this community. I want to help you obtain your dream home and make this amazing place your own. Whether you’re financing or refinancing your first home, next home, or an investment property, I’ll guide you with a level of communication that instills confidence you are making the right choices for you and your family.
I offer a wide range of products, from conventional and jumbo to FHA, VA, and renovation. Together, we will walk through the steps of your home loan journey. From pre-approval to closing and beyond, I will make sure you know what’s happening with your mortgage and answer your questions along the way. I look forward to providing you with the personalized loan experience and outstanding customer service you deserve.
Outside of work, my family and I enjoy boating, fishing, and spending time at the ballpark. My three children love playing baseball and softball.
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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.