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354 Merrimack Street, Suite 315 Lawrence, MA 01843 Mobile (339) 440-1676 Tel (351) 203-8434 [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
Natalie Malinowski
I’ll be with you every step of the way
Hi, I’m Natalie, a tenured financial services professional, spending over 15 years serving the home financing industry. When you’re making one of the biggest financial investments of your life, you want someone you trust in your corner. After graduating from Loyola University, I spent 10 years in personal insurance helping protect my clients’ most important assets. When you work with me, you’ve got someone who’ll go to bat and ensure the best possible experience.
As part of our Lawrence, MA branch at America’s #1 Retail Mortgage Lender, I’m dedicated to taking an educational approach with my buyers and will be there every step of the way to ensure you get the best possible experience with communication that makes you feel confident. I specialize in conventional, FHA, and VA loans and am licensed in CT, MA, ME, NH, and FL. Whether this is your first home, vacation property, or an investment, I’m excited to help you achieve the dream of homeownership and find the right solutions to fit your unique homebuying goals.
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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.