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302 Harper Drive Suite 301 Moorestown, NJ 08057 Mobile (732) 546-8594 Tel (856) 320-5981 [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
Brett Stevens
I’ll be with you every step of the way
Hi, I’m Brett, and with America’s #1 Retail Mortgage Lender, I’m here to guide you through your home financing journey. Based in Moorestown, NJ, my background in retail banking and strong real estate agent relationships make me a versatile and knowledgeable loan officer. I’m committed to delivering on my promises, because happy clients and referral partners are everything to me.
My banking experience inspired my passion for helping clients achieve their homeownership dreams. Whether you’re buying your first home, moving up, refinancing, or needing a jumbo loan, I thrive on finding tailored solutions for your unique needs.
What sets me apart is my dedication to staying in touch throughout the process. Available day or night, I’ll keep you informed and answer any questions. My goal is to earn your trust with exceptional service.
Raised in Monmouth County, NJ, I graduated from Monmouth University with a degree in Finance. Outside of work, I enjoy golf, traveling, cars, sports, and family time.
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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.