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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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- FHA Loan
- First-Time Homebuyers
- Jumbo Loan
- Non-QM Loans
- Renovation Loan
Your Local CrossCountry Mortgage Loan Officer
Rob Kaiser
- Senior Loan Officer
- Tampa, FL Mortgage Loan Officer
- NMLS #146468
America’s #1 Retail Mortgage Lender
Hello! My name is Rob. I’ve been helping clients achieve their homeownership dreams since 2003, specializing in first-time homebuyers and a wide range of loan options. My goal is simple — make the mortgage process as easy and stress-free as possible while providing the guidance, education and resources my clients need to make confident decisions.
With over 22 years in home financing, I bring deep experience and a personal touch to every transaction. I’m always focused on finding the right loan for each client’s unique situation and delivering a world-class experience from start to finish at America’s #1 Retail Mortgage Lender.
Originally from New Jersey, I now live in Central Florida with my wife and family. When I’m not helping clients, I volunteer with Clefties & Coffee Rescue, caring for special needs and neonatal puppies. I also love boating, fishing, visiting theme parks and spending time at the beach.
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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.