NO TRICKS,JUST LOANS.THE JESTER TEAMMORTGAGE.
KEN JESTER
Sales Manager
NMLS# 1593847 / Cross Country Mortgage, LLC # 3029
Mortgage Services
Comprehensive mortgage solutions tailored to your unique needs, backed by Cross Country Mortgage's industry expertise and my personal commitment to your success.
New Construction
Assistance from the new construction team provides consistent follow-ups, ongoing builder updates, and a smooth process with no last-minute surprises for both primary and secondary homes, including lot financing.
Purchase Loans
Conventional, FHA, VA, and USDA loans for your dream home purchase with competitive rates and personalized service.
Refinancing
Lower your monthly payments, reduce your interest rate, or access your home's equity with our refinancing options.
Investment Properties
Financing solutions for real estate investors looking to expand their portfolio with rental properties.
Jumbo Loans
Financing for high-value properties that exceed conventional loan limits with competitive terms.
Non-QM Loans
Specialized loans that don't meet standard criteria. CCM underwrites and processes a majority in house ensuring an efficient transaction.
Why Choose Me
Clear Communication
You'll always know where your loan stands with proactive updates and honest guidance every step of the way.
New Construction Expertise
Specialized team for new construction loans with builder coordination and no last-minute surprises.
Personalized Solutions
Every borrower's situation is unique—I'll tailor loan options that truly fit your needs and goals.
Stress-Free Process
From application to closing, I simplify the process so you can focus on finding the perfect home.
What Ken's Clients Say
Don't just take our word for it - hear from satisfied homeowners who made their dreams reality
"Ken made the entire home buying process seamless. His expertise and dedication helped us secure our dream home with an excellent rate!"
Sarah M.
Philadelphia, PA
"Outstanding service from start to finish. Ken was always available to answer questions and kept us informed throughout the whole process."
Michael R.
Wilmington, DE
"As a first-time buyer, I was nervous about the mortgage process. Ken guided me through every step with patience and professionalism."
Jennifer L.
Baltimore, MD
First-Time Homebuyer Programs
Special programs designed to help first-time buyers achieve homeownership in Delaware, Pennsylvania, and Maryland with down payment assistance and favorable terms.
Delaware DSHA Programs
Welcome Home: First-Time Homebuyer Program
- •30-year fixed-rate loans at or below market rates
- •Minimum credit score of 620
- •Multiple assistance options available
Program Options:
Pennsylvania PHFA Programs
Keystone Home Loan Program
- •Low interest rate mortgages for qualified buyers
- •Down payment and closing cost assistance
- •Income and purchase price limits apply
Additional Benefits:
Maryland MMP Programs
1st Time Advantage Program
- •Below-market interest rates for qualified buyers
- •Down payment assistance available
- •FHA, VA, USDA, and Conventional loan options
Additional Programs:
Ready to Start Your Homebuying Journey?
Let me help you navigate these programs and find the best option for your situation.
What to Expect
Your homebuying journey, step by step. I'll be with you through each phase to ensure a smooth and successful experience.
Initial Consultation
Our journey begins with a personalized consultation where we'll take the time to understand your homeownership goals, lifestyle, and financial situation. Together, we'll review your credit, income, debts, and savings to identify the mortgage options that best fit your needs. This step ensures you have a clear roadmap tailored specifically for you.
New Construction
Our specialized new construction team provides expert guidance through the unique financing process for newly built homes. We coordinate closely with builders, provide frequent updates, and ensure smooth transactions with no last-minute surprises for both primary and secondary homes, including lot purchase financing.
Contract & Loan Processing
After you've found your home and signed a purchase contract, the loan processing phase begins. I will coordinate with all parties involved—appraisers, underwriters, and your real estate agent—to gather necessary documents, order inspections, and monitor the loan's progress. Throughout this phase, I'll keep you updated regularly, answering questions and addressing any concerns to keep the process smooth and transparent.
Clear to Close
When your loan is "clear to close," it means the lender has completed all underwriting requirements and given final approval. This exciting milestone signals that we're gearing up for the closing appointment. At this stage, I'll review the closing disclosure with you, explain final costs, and ensure you're fully prepared for the last steps.
Closing
Congratulations — you're about to become a homeowner! At closing, you'll sign all necessary documents, pay closing costs, and receive the keys to your new home. Even after closing, I'll remain a resource for you, ready to assist with any mortgage questions or future refinancing needs.
Let's Get Started
Ready to take the next step? Contact me today for a free consultation and let's discuss how I can help you achieve your homeownership goals.
Ready to Apply?
Start your mortgage application online in just minutes. The process is secure, fast, and I'll be with you every step of the way.
Get In Touch
Phone
(267) 236-6155Address
4839 Limestone Road
Wilmington, DE 19808
Service Areas
Licensed in all 50 states!
Availability
24/7