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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
Anthony Nicholas
- Originating Branch Manager
- Montvale, NJ Mortgage Loan Officer
- NMLS # 6845
I’ll be with you every step of the way
Hi, I’m Anthony, and I’ve been helping families and individuals secure home financing since 2004. My focus is on providing the right mortgage that positively impacts your life, whether you’re purchasing a home or refinancing. I’m committed to offering the best products, advice, and constant communication, ensuring a smooth process from application to closing and beyond.
We’ll start by setting a budget that fits your monthly and total investment goals. From there, I’ll help you understand everything from rates to closing costs, and I’ll work alongside your agent to make sure your offer stands out. Whether it’s conventional, FHA, or renovation loans like FHA 203(k) and Fannie Mae HomeStyle, I offer a wide range of programs to fit your needs. As a loan officer at Montvale, NJ, I’m proud to be backed by America’s #1 Retail Mortgage Lender to provide you with exceptional service.
With my team’s motto, *GO BIG OR NO HOME*, we’ll pull out all the stops to ensure your offer gets accepted. I can’t wait to help you get started!
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.