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1115 DeKalb Pike, Suite 201 Blue Bell, PA 19422 Mobile (610) 496-6240 Tel (484) 534-5603 [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
Christopher Gallo
- Branch Manager
- Blue Bell, PA Mortgage Loan Officer
- NMLS #120257
I’ll be with you every step of the way
Hi, my name is Christopher, and I have over 30 years of expertise as a CFO, broker, and mortgage professional. At America’s #1 Retail Mortgage Lender, I’m dedicated to providing customers with a clear, fast, and transparent home financing experience. I received my degree in accounting from Villanova University in 1985, establishing myself as a trusted real estate professional. I’ve been featured live on the weekly Real Estate and Finance Show on Phila WPHT 1210AM Talk Radio, providing listeners with the latest programs.
While I’m a local Philly and Florida guy, I’m licensed in Florida, Pennsylvania, Delaware, and New Jersey. This allows me to provide superior customer service and a range of home loans to various communities. I strive to make the process seamless and stress-free, and I do this by guiding you every step of the way. By utilizing programs with low down payments, reduced closing costs, and flexible credit requirements, my Blue Bell, PA, team and I are determined to make your homeownership dreams a reality.
Christopher’s testimonials
Guides and resources
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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.