JMC Group
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- Refinance
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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.
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Meet our team
Scott Simpson
- Branch Manager
- NMLS #210940
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 732-236-6310
- tel 732-385-9929
- fax 862-412-8479
Margaret Sanchez
- Reverse Mortgage Specialist
- NMLS #101952
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 201-638-3638
Randy Reay
- Loan Officer
- NMLS #110185
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 908-578-2769
Tony Pedulla
- Loan Officer
- NMLS #1168414
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 201-618-5807
- tel 973-500-2957
- fax 973-500-2957
Edward Robinson
- Loan Officer
- NMLS #1275906
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 917-882-4232
Ozzie Ziba
- Loan Officer
- NMLS #1521781
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 940-808-8492
David Parisi
- Loan Officer
- NMLS #1759870
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 732-672-5919
- tel 973-532-4225
- fax 973-532-4225
Scott Ginter
- Loan Officer
- NMLS #2016420
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 201-741-1937
Ariel Cortez
- Loan Officer
- NMLS #2140142
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 973-768-6168
- tel 973-975-0324
Jess Bordes
- Loan Officer
- NMLS #2149744
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 832-931-5382
- tel 973-638-2287
- fax 973-638-2287
James Morrell
- Loan Officer
- NMLS #2308158
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
Stephen Roppenecker
- Loan Officer
- NMLS #2390526
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 973-223-7478
- tel 973-792-8543
- fax 973-792-8543
Meg Stamatopoulos
- Loan Officer
- NMLS #2443579
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 551-206-3370
Zeshan Ansari
- Loan Officer
- NMLS #2560886
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 908-463-6213
Richard Noury
- Loan Officer
- NMLS #352115
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 973-865-5852
- tel 973-792-8421
- fax 973-792-8421
Maggie Palach
- Loan Officer
- NMLS #369479
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 732-501-9674
Willie Spicer
- Branch Manager
- NMLS #414098
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 973-460-9932
- tel 973-435-0063
John Oksen
- Loan Officer
- NMLS #1540251
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 732-687-7263
Sarah Panetta
- Project Manager/Loan Officer
- NMLS #1549950
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 908-721-6711
- tel 862-214-2581
Nakisha Brown
- Loan Officer
- NMLS #1992767
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 973-901-0564
Cedric Stafford
- Loan Officer
- NMLS #2236822
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 732-539-5805
Kimberly Charne
- Loan Officer
- NMLS #648761
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 917-968-9823
Manny Cristancho
- Senior Loan Officer
- NMLS #704370
- 200 Mineral Springs Road
- Suite 205
- Rockaway, NJ 07866
- [email protected]
- mobile 973-919-3067
- tel 862-350-4404
- fax 862-350-4404
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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.