-
500 Campus Drive, Suite 101 Morganville, NJ 07751 Mobile (732) 618-5907 Tel (732) 595-1830 [email protected]
-
- 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
-
- Purchase
- Refinance
Brian Krisman
- Sr Loan Originator
- Morganville, NJ Mortgage Loan Officer
- NMLS #785361
I’ll be with you every step of the way
Hi, I’m Brian. When you work with my team and me, we’ll guide you through the home loan process. As part of our Morganville, NJ branch at America’s #1 Retail Mortgage Lender, I offer a successful track record of working with first-time homebuyers and valuable experience as a real estate investor. My knowledge of products and outside-of-the-box thinking will help make your home financing journey a success. I’ll provide a range of solutions tailored to your unique goals and circumstances so you can walk away confident in your home financing.
My history as a social worker has gifted me with unique communication skills. I can listen and hear your needs, then develop a mortgage plan for you and your family. Your goals are my priority, and helping you achieve them will be my focus from application to closing. I look forward to working hand-in-hand with you every step of the way.
Outside the office, I love spending time with my family and enjoying outdoor activities such as hiking and disc golf.
Brian’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.