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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
Your Local CrossCountry Mortgage Loan Officer
Joseph Pernice
- Senior Loan Officer
- Hauppauge, NY Mortgage Loan Officer
- NMLS # 2804733
I’ll be with you every step of the way
Hello! My name is Joseph Pernice, and I help clients buy a home or refinance with support from America’s #1 Retail Mortgage Lender. After working in sales for over 25 years, I joined the mortgage industry because of a deep passion for helping people realize their dream of homeownership. As a loan officer, I bring that passion to every loan, treating each deal as if it were my own and each person like family.
Whether this is your first home, your next home or a refinance, I’m here to make home financing feel simple. I’ll walk you through each step of the mortgage process, answer your questions and keep you updated on your loan. I offer a wide range of choices, from conventional and jumbo to FHA and VA. Together, we’ll build a plan that fits you.
I’m a father of three beautiful kids, and I always put them first. I try to balance work and family as best as possible. In my free time, I enjoy golfing with my son and cooking with my daughters.
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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.