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Your Local CrossCountry Mortgage Loan Officer
David Lemon
I’ll be with you every step of the way
Hello! My name is David Lemon, and I’m dedicated to guiding you through your homeownership journey. I’ve lived in the Central Florida area since 1998 and have owned and operated several businesses over the past 25 years, ranging from the service industry to real estate and mortgage.
I joined CrossCountry Mortgage in November after previously working in the mortgage business before the crash, a time when I discovered how much I truly enjoy this industry. Today, I believe it’s a great time to be in home financing — with many positive changes happening across the economy.
Drawing on local area knowledge and experience in both real estate sales and financing, I’m here to simplify home financing for you. I’ll always be available, take care of every detail and guide you through each step of the process. From start to finish, you’ll feel confident in closing with America’s #1 Retail Mortgage Lender.
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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.