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205 S. Hoover Blvd., Suite 203 Tampa, FL 33609 Mobile (407) 474-7126 Tel (352) 240-1050 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Patrick Keefauver
I’ll be with you every step of the way
Hello! I’m Patrick Keefauver, and I’ve been blessed with over 20 years of serving families and individuals with their home loans. What truly fuels my drive and passion is my family. My wife and I have been married for 25 years and have two wonderful children, Liam and Ophelia. My personal why is deeply rooted in creating a secure and prosperous future for my loved ones and yours.
Every client I work with is an opportunity to make a positive impact on their lives and the lives of their families. Throughout my career, I have witnessed the transformative power of homeownership firsthand for my clients and my own family. It’s this personal connection that drives me to go above and beyond, leveraging my expertise and industry knowledge to help you navigate the complexities of home financing.
With America’s #1 Retail Mortgage Lender, I’m dedicated to helping you achieve your homeownership dreams and creating a brighter future for you and your loved ones. Let’s embark on this journey together.
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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.
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.