David D'Onofrio, Walnut Creek - CrossCountry Mortgage

David D'Onofrio, Walnut Creek - CrossCountry Mortgage Making Every Mortgage Feel Like a Win. With David D'Onofrio, CrossCountry Mortgage, you’ll collaborate closely making sure you get the mortgage you deserve.

David D'Onofrio NMLS #254023
Branch NMLS #1553210
Company NMLS3029 When you come to our team at CrossCountry Mortgage for your mortgage, we begin by listening. We want to understand your goals and priorities so we can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. We offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique circumstances. Communication is key, and sharing information is as important as listening. Our team will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. We’ll be with you every step of the way, from application to closing and beyond. Whether you are buying, refinancing, or renovating, our team at CrossCountry Mortgage are ready to give you the outstanding home loan experience you deserve.

Your occupancy type plays an important role in the financing process. Contact us to learn more. 🏡
09/24/2026

Your occupancy type plays an important role in the financing process. Contact us to learn more. 🏡

Pending home sales edged up 0.3% in August, showing buyers are still stepping into the market. Trends shift from neighbo...
09/23/2026

Pending home sales edged up 0.3% in August, showing buyers are still stepping into the market. Trends shift from neighborhood to neighborhood, so local insight matters more than ever. Let's connect and help your buyers find their next move. 📈

Don’t stress about your down payment. Plan around it. Use our calculator to see your options and make your plan. 🔗http:/...
09/22/2026

Don’t stress about your down payment. Plan around it. Use our calculator to see your options and make your plan.

🔗http://spr.ly/6189BEePqx

09/22/2026

🚨 **HOME BUYERS — WHAT IF YOUR MORTGAGE RATE STARTED AT 4.50%?** 🏡🔥

Yes… **4.50% for Year 1!** 👀

With today’s home prices, sometimes the answer isn’t simply negotiating a lower price.

It’s about negotiating the **RIGHT FINANCING STRATEGY.**

That’s the idea behind our **SELL IT LIKE THE BUILDER** strategy. 🏡💰

Instead of only reducing the price, the seller can use available concessions to help fund a **2-1 Temporary Buydown**, potentially giving a qualified buyer a significantly lower payment during the first two years.

💰 **HERE’S AN EXAMPLE:**

🏡 Purchase Price: **$999,000**
💵 20% Down: **$199,800**
🏦 Loan Amount: **$799,200**

🔥 **YEAR 1:** 4.50% temporary rate
Approx. P&I Payment: **$4,049/mo**

🔥 **YEAR 2:** 5.50% temporary rate
Approx. P&I Payment: **$4,538/mo**

🏡 **YEARS 3–30:** 6.50% note rate
Approx. P&I Payment: **$5,052/mo**

🔥 **DON’T JUST NEGOTIATE THE PRICE — NEGOTIATE THE PAYMENT!**

👉 Watch the video to see how the strategy works.

Thinking about buying?

📲 **DM me “4.50”** and I’ll run the numbers for your situation.

🏠 **REALTORS:** Have a listing that isn’t moving?

DM me **“BUILDER”** and let’s talk about how we can **market the financing — not just the house.**

🔥 **Don’t Just List It. SELL IT LIKE THE BUILDER.**



http://spr.ly/6180BGdzM0

**FINANCING DISCLOSURE:** Example is for advertising and illustrative purposes only and is not a commitment to lend. Example assumes a $999,000 purchase price, $799,200 loan amount (80% LTV), 30-year fixed-rate mortgage with a **6.500% note rate and estimated 6.522% APR**, and a seller-funded 2-1 temporary buydown. The temporary buydown provides a payment calculated at 4.500% in Year 1 and 5.500% in Year 2; beginning in Year 3, payments are based on the 6.500% note rate for the remaining loan term. Estimated principal-and-interest payments shown do not include property taxes, homeowners insurance, HOA dues, or other applicable housing expenses, so the actual total monthly payment will be higher. APR estimate assumes approximately $1,800 in APR-includable lender fees, no origination fee and no discount points. Actual APR and terms may vary. Borrower must qualify under applicable underwriting guidelines at the note rate. Rates, APR, programs, fees and terms are subject to change without notice. Seller concessions and temporary buydowns are subject to loan-program and lender guidelines. Not all borrowers or properties will qualify.

**David D’Onofrio | NMLS #254023**
**CrossCountry Mortgage, LLC | NMLS #3029 | Equal Housing Opportunity**

09/21/2026

Tough times turn into triumph.

DIY projects are a great way to get your dream home without draining your savings — especially if you follow these tips!...
09/19/2026

DIY projects are a great way to get your dream home without draining your savings — especially if you follow these tips!

Get our full DIY guide right here: http://spr.ly/6180B17wgr

Despite the common belief that buyers need a 20% down, the typical first-time homebuyer down payment is 10%. (Repeat buy...
09/18/2026

Despite the common belief that buyers need a 20% down, the typical first-time homebuyer down payment is 10%. (Repeat buyers put 23% down, with more than half relying on funds from their primary home sale.) We’re separating myth from fact in our article: http://spr.ly/6181BG3rdd

Think you need a Social Security Number to buy a home? By using an Individual Tax Identification Number (ITIN), eligible...
09/17/2026

Think you need a Social Security Number to buy a home? By using an Individual Tax Identification Number (ITIN), eligible buyers can explore mortgage options designed to help make homeownership more accessible. Learn more about ITIN loans: http://spr.ly/6188B1YsAu

August existing home sales came in lower than July while available inventory increased, providing buyers with a wider se...
09/16/2026

August existing home sales came in lower than July while available inventory increased, providing buyers with a wider selection of homes to choose from. More supply can also create better opportunities for buyers to negotiate – let’s connect!

09/15/2026

A short sale can be a way out for homeowners hit with financial hardship or a way in for savvy buyers willing to take a risk. Either way, you need the right team to make it happen. That’s us.

Learn more: http://spr.ly/6184BDLaR6

Address

1981 N Broadway, Ste 275
Livermore, CA
94596

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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