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About David Day
Senior Loan Officer
I’m dedicated to providing clients with high-quality financial services and personalized home financing solutions. Whether you’re purchasing your dream home, refinancing your current loan, purchasing a second home, consolidating debt, or building wealth with investment property purchases, my 20 years of experience will help you find the best solution for your needs. I’ll work with you one-on-one to make every option easy to understand. From conventional,
jumbo, FHA, VA, USDA, and a full list of specialty products, I’ll answer your
questions about each available program, guide you through choosing the best product for you, and follow you through closing your loan. Together, we will make your mortgage feel like a win.
The CCM Smart Start Guide to Down Payment Assistance
CCM Smart Start: A Bridge to Homeownership
Homeownership is a milestone, often symbolizing security and accomplishment. However, the journey towards it is paved with challenges, primarily the down payment. While many believe that the traditional 20% down payment is the only route, there are numerous paths available, especially for first-time homebuyers.
Understanding down payments is crucial. Essentially, it's the upfront cash paid to the seller, bridging the gap between the home's price and the loan amount. Typically, for a $200,000 house, a 20% down would mean $40,000 upfront. But here's the kicker – not everyone has such hefty savings lying around. And this is where programs like CCM Smart Start come into play.
Offered by Cross Country Mortgage, CCM Smart Start is a beacon of hope for those eager to own a home but find the down payment a hurdle too high. Catering especially to first-time buyers, this program can cover up to $4,000 of your down payment. Imagine owning a home with potentially no down payment!
Besides conventional methods, where 20% down can save you from added mortgage insurance, there are other ways like the 97% Loan-to-Value (only 3% down) or options where the lender might cover the mortgage insurance for you. Furthermore, government programs from agencies like FHA, USDA, and VA offer specialized loan programs with varying down payment structures.
Owning a home isn't a distant dream; it's a reality waiting to happen. With assistance like CCM Smart Start, first-time homebuyers can embark on an exciting journey of homeownership without the weight of hefty down payments. Make your dream home a reality and lay the foundation for a prosperous future.
Senior Loan Officer
CrossCountry Mortgage, LLC
1001 Rondale Ct., #1005
Dardenne Prairie, MO 63368
Personal NMLS1807709 Branch NMLS2342494
Associate: RE/MAX Platinum
Address: 1804 W Pearce Blvd, Wentzville, MO. 63385
Work Phone: 314-795-6716
As a RE/MAX® agent, I’m dedicated to helping my clients find the home of their dreams. Whether you are buying or selling a home or just curious about the local market, I would love to offer my support and services. I know the local community — both as an agent and a neighbor — and can help guide you through the nuances of our local market. With access to top listings, a worldwide network, exceptional marketing strategies and cutting-edge technology, I work hard to make your real estate experience memorable and enjoyable. I look forward to the opportunity to work with you. Please don’t hesitate to contact me today!
Independent Agent: Mid Rivers Insurance Group
Address: 2429 Highway KO’Fallon, MO. 63368
Work Phone: 636-577-6250
Estate Planning and Elder Law Attorney - Quinn Estate & Elder Law, LLC
Address: 14611 Manchester Rd, Manchester, MO. 63011
Work Phone: 636-394-7242
Quinn Estate & Elder Law. LLC is dedicated to guiding you and providing peace of mind. Choosing the right attorney to assist you in navigating the complex issues related to your estate planning, long-term care planning, special needs planning, VA benefits, Medicaid benefits, and business clients is crucial. We have adopted the team approach to estate and asset protection planning. We have developed a team of specialized professionals and long term care resources who assist us with meeting client needs. Our firm builds lifelong relationships with our clients.
Brian G. Quinn, attorney and owner has been named a “Super Lawyer” in the field of elder law by Super Lawyers Magazine. He earned CELA Certification from the National Elder Law Foundation as a Certified Elder Law Attorney.
Owner: Platinum Plus Credit Repair
Address: St Charles , MO. 63303
Work Phone: 314-960-1488
At Platinum Plus Credit Repair, we strive to make our clients’ life easier when it comes to credit repair. However complicated or messy your issue is, you can rest assured we’ll find a solution.We charge a flat $ 250.00 per person and write as many letters as needed to remove the negative items. There is also a $27mo fee for credit monitoring, this gives us instant access to the items being removed in real time.
The efforts to make the customer happy is great and very noticeable. I would recommend this to everyone. Great great work and thank you all for helping me and my family
5 Star Review - ⭐ ⭐ ⭐ ⭐ ⭐
Everyone that was part of my loan team was great, But David was exceptional. He answered every question I had, he put forth extra effort to solve challenging issues that I had with the approval process and he was always pleasant and professional. He truly made me feel like I was his only customer by being so available to me.5 stars all the way!
Michelle M M
5 Star Review - ⭐ ⭐ ⭐ ⭐ ⭐
David Day is an outstanding Loan Officer! He and his team are on top of their game and there is no problem too big for them to tackle! At first, David was the loan officer for my home. I was so impressed with him, that I refer him to many of my clients. He is in constant communication with me, the Realtor, as well as the client. He is willing to go to the nth degree to get his clients a home loan! I would definitely recommend David Day!
5 Star Review - ⭐ ⭐ ⭐ ⭐ ⭐
The CrossCountry Mortgage Team is your premier mortgage team located in Dardenne Prairie, Missouri. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers Seeking a mortgage to Purchase or Refinance.
Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, the highly experienced team of mortgage brokers here can help you take that first step toward a financial solution.
We’ve streamlined the process and implemented innovative technology to save you time, money and stress.
Schedule a Consultation Today.
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