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205 S. Hoover Blvd. Suite 203 Tampa, FL 33609 Mobile (407) 963-0451 Tel (407) 635-8184 [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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- Home Equity
- Investment Property
- Purchase
- Refinance
- Renovation Loan
Joe Manglardi
I’ll be with you every step of the way
Hi, I’m Joe, a trusted loan officer in Orlando, FL with America’s #1 Retail Mortgage Lender. When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can offer a home loan that’s right for you. Whether you’re a first-time homebuyer, a long-time homeowner, or purchasing an investment property, I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. My recommendations will respect your unique circumstances.
Communication is key, and sharing information is as important as listening. I’ll make sure you know what’s happening with your mortgage as it progresses, and I’ll be available to answer your questions. I’ll be with you every step of the way—from application to closing and beyond.
As a Scotsman Guide Top Originator, I’ve secured $40+ million in financing and closed over 100 loans in a year. Whether you’re buying, refinancing, or renovating, you can count on me to provide the best service and get it done.
Joe’s testimonials
Guides and resources
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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.