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100 Motor Parkway, Suite 112 Hauppauge, NY 11788 Mobile (631) 767-6103 Tel (631) 767-6103 [email protected]
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- 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
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- Purchase
- Refinance
Ralph Ranieri
I’ll be with you every step of the way
Hi, I’m Ralph, one of the originating branch managers for CrossCountry Mortgage’s Melville, NY office. With over 30 years of experience in the mortgage industry, I’ve helped thousands of families refinance or purchase their new homes. My knowledge, professionalism, and attention to detail ensure smooth and successful transactions.
I graduated from Hofstra University with a degree in Banking and Finance and later led one of the top branches at a national mortgage lender for over 12 years. I then began an 11-year career at a seperate national lender, where I was consistently one of the top 25 producers.
Living in Huntington, NY with my wife and four children, I take great pride in helping families achieve their dream of homeownership. With the support of America’s #1 Retail Mortgage Lender, I’m ready to make your homebuying journey as smooth as possible. Let’s work together to make your dream a reality.
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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.
Inspiration for your home loan journey
Frequently asked questions
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Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.
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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.