49 Main St., Unit 1
Topsfield, MA 01983 Mobile 978.810.5544 Tel 978.587.0269 [email protected]
- 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
- Purchase
- Refinance
- New Durham, NH
- North Andover, MA
- Beverly, MA
- Danvers, MA

Your Local CrossCountry Mortgage Loan Officer

Ross Billings

Originating Branch Manager
Topsfield, MA Mortgage Loan Officer
NMLS # 1450217

I’ll be with you every step of the way

Hi, I’m Ross. My goal is for you to have the best mortgage experience possible. I do this by bringing empathy, understanding, efficiency, and expertise to the process. I’ll work to make your home loan smooth and even, dare I say it, fun!

I moved to the mortgage industry in 2016 after a seven-year career as the finance director of a Fortune 500 auto dealer. I’ve stayed because I really enjoy helping people achieve homeownership, which I strongly believe is the mainstay of the American dream for a family. Years of looking at consumer credit gave me the ability to examine a transaction from all angles. My dedication to learning means I am constantly adding to my knowledge of home loan programs. By staying up to date on guidelines and changes, I can find the best mortgage options for you and avoid bumps in the road that could delay your closing.

As a member of our Lawrence, MA team at America’s #1 Retail Mortgage Lender, I’m ready to give you the outstanding home loan experience you deserve.

See What I Qualify For

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come.

By proceeding, I consent by electronic signature to receive calls and SMS text messages from CrossCountry Mortgage, LLC at the phone number I have provided, for any purpose, including loan inquiries, marketing, sales, and informational communications. I understand and agree that these calls and text messages may be made by any means or technology, including an automatic telephone dialing system or other automated system for the selection and dialing of telephone numbers, a prerecorded or artificial voice, or an AI-generated voice. I also understand and agree that my consent to calls and texts from CrossCountry Mortgage, LLC is not required to purchase products from or use the services of CrossCountry Mortgage, LLC, and that I may contact CrossCountry Mortgage, LLC at (877) 351-3400 about its products and services at any time. I understand that I may cancel this consent at any time. Reply STOP to discontinue SMS text messages. For help, reply HELP, call us at 844-940-2272 or email [email protected]. Message and data rates may apply. Message frequency varies. Terms and Conditions and Privacy Policy apply.

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.

A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line.

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options:

Home loans with as little as 3% down
Temporary buydowns to lower your mortgage rate at the start of your loan
Down payment assistance from national and state programs
Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership. Let’s discuss your options today.

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