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2900 Westchester Ave., Suite 202 Purchase, NY 10577 Mobile (516) 398-9511 Tel (914) 206-9525 [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
Barry Goldenberg
I love guiding first-time buyers home
Hi. I’m Barry and I am dedicated to making your mortgage experience a win!! I have been serving the mortgage needs of my clients and referral partners throughout the tri-state area for 25 years. My experience and broad knowledge of the mortgage market gives me an expertise that is unique in the industry. I pride myself on the ability to listen to my client’s needs and will customize a financial strategy that is ideal for you. I always strive to provide the highest level of customer service to my clients.
With Crosscountry Mortgage, you get more than a smooth process- you get more options for your mortgage as we have the most diverse offering of mortgage programs in the industry.
Ready to take the first step toward your homeownership dreams? Reach out to me today and make your mortgage win with Barry and America’s #1 Retail Mortgage Lender!!
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Guides and resources
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.
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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.