Team Sears
Your Future Our Focus
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- Purchase
- Refinance
We’ll be with you every step of the way
Team Sears is consistently recognized for our dedication and unparalleled level of service to their customers. Collectively, we bring over 30 years of processing experience to every loan we service. Our team considers it a privilege to assist clients every day. And with America’s #1 Retail Mortgage Lender, we’re dedicated to making every mortgage feel like a win.
A smooth home financing experience starts with communication. From application to closing and beyond, we’re committed to being there for you, always answering your questions and letting you know what’s happening with your mortgage. Communication promotes confidence, and we want you to feel confident every step of the way.
Because we each have our own role, our team can help you with individual expertise – creating a home loan process that moves from milestone to milestone with ease. Experience the difference a dedicated team with the initiative to excel can make.
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.
Inspiration for your home loan journey
Troy’s testimonials
Meet our team
Troy Sears
- Regional Vice President
- NMLS #216683
- 500 Campus Drive
- Suite 101
- Morganville, NJ 07751
Maria DeTomasis
- Inside Loan Originator
- NMLS #236464
- 500 Campus Drive
- Suite 101
- Morganville, NJ 07751
Daniel Holton
- Inside Loan Originator
- NMLS #785342
- 500 Campus Drive
- Suite 101
- Morganville, NJ 07751
Our support staff
Lisa Urgo
Loan Partner I
Michele Mazzeo
Loan Opener
Noreen Nugent
Operations ManagerMy social posts
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.