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102 Chestnut Ridge Road, Suite 200 Montvale, NJ 07645 Mobile (201) 923-4294 Tel (201) 716-0546 [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
Anthony Petruzziello
- Sales Manager/Outside Loan Originator
- Montvale, NJ Mortgage Loan Officer
- NMLS #221429
I’ll be with you every step of the way
Hi, I’m Anthony, and I’m dedicated to guiding you through your homeownership journey. Whether you’re a first-time homebuyer or looking to refinance, I’m here to help. As a trusted loan officer at Montvale, NJ, I’m backed by the strength of America’s #1 Retail Mortgage Lender.
With over 20 years of residential mortgage experience, I’ve assisted thousands of homeowners in buying their dream home or refinancing an existing property. During my tenure in the mortgage industry, I’ve accumulated a wealth of knowledge, becoming well-known among my peers to be an expert for new homebuyers.
As your loan officer, I can customize a loan program to fit your individual goals while providing a personal touch. From conventional and VA to FHA, USDA, and first-time homebuyer programs, I’ll simplify the specifics and help find the right one for your plans. Together, we’ll walk through the steps of your home loan journey.
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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.