Your homeownership journey starts here

Congratulations, first-time homebuyer!

This is the first step toward owning a home.

As your home financing guide with over 35 years of experience, I'm here to offer more than a loan. I want to provide education, compassion, transparency and clear communication that gives you confidence throughout the homebuying process.

And when your first home loan is closed, I'll always be available to provide financial health advice to make sure your mortgage stays a win.

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Start your strategic consultation with George

Ready to apply? For a faster process, fill out an application now. Apply Now

Ways you can achieve homeownership

Conventional, FHA, VA, and USDA loans offer fixed rates with
little or no down payment needed.*

MassHousing provides up to $30,000 in down payment
assistance for Massachusetts first-time homebuyers.

CCM Smart Start provides up to $5,250 in down payment assistance
– and you can add more cash for a lower monthly payment.**

Fannie Mae HomeReady® and Freddie Mac Home Possible® offer
flexible funding options and a low 3% down payment requirement.

It's all about the right bid, on the right property, at the right time.
So let's talk today to get you in the home of your dreams!

George Koutsos
George Koutsos

138 Conant Street, 2nd Floor
Beverly, MA 01915

tel (781) 864-0889 [email protected]
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*CrossCountry Mortgage, LLC is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of any government agency. Subject property and borrower income and credit must qualify to USDA guidelines. CrossCountry Mortgage, LLC is not affiliated with or acting on behalf of or at the direction of the Veteran Affairs Office or any government agency. Certificate of Eligibility required for VA loans.

**TERMS & CONDITIONS: CrossCountry Mortgage LLC will contribute 2% down (up to $5,250) towards a 3% down payment. Homebuyer is responsible for the remaining 1% of the down payment. This offer is available for the purchase of a primary residence only. Offer valid for home buyers when qualifying income is less than or equal to 80% area median income based on county where property is located. At least one occupying borrower must be a first-time homebuyer. Rate must be locked on or after 6/20/2023. Not available with any other discounts or promotions. Not available for customers with greater than 50% AMI in the following MSAs: Miami, FL, Atlanta, GA, Chicago, IL, Detroit, MI, St. Louis, MO, Philadelphia, PA, Memphis, TN, El Paso, TX, Houston, TX, McAllen, TX. Offer cannot be retroactively applied to previously closed loans or loans that have a locked rate. This is not a commitment to lend. CrossCountry Mortgage, LLC has the right to accept, decline, or limit the use of any discount or offer. Acceptance of this offer constitutes the acceptance of these terms and conditions, which are subject to change without notice. Additional conditions may apply.