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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
Your Local CrossCountry Mortgage Loan Officer
Thomas Bodell
I’ll be with you every step of the way
Hi, I’m Thomas, and I started in the mortgage industry after working as a construction project manager for several years. I became interested in mortgages when my wife became a real estate agent, and we bought our first home, which is now an investment property. My goal is to develop relationships with families and individuals looking to build wealth through real estate in the Petaluma, CA area.
My background in construction helped me develop customer service skills that I now use as a loan originator. I enjoy connecting with clients and helping them improve their financial situation. You’ll find that I’m a cheerleader for my clients—I listen to your goals, and I’ll keep you informed throughout the entire process to ensure a smooth experience.
I pride myself on hard work and attention to detail, which builds trust and helps me navigate your loan to closing. I offer a wide range of loan programs, from conventional and jumbo to FHA and VA. Together, we’ll achieve your dreams at America’s #1 Retail Mortgage Lender.
Thomas’s testimonials
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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.