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33-37 S 16th Street, 2nd Floor Philadelphia, PA 19102 Mobile (267) 902-6537 Tel (610) 355-8651 [email protected]
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- monday: 9:00AM – 7:00PM
- tuesday: 9:00AM – 7:00PM
- wednesday: 9:00AM – 7:00PM
- thursday: 9:00AM – 7:00PM
- friday: 9:00AM – 7:00PM
- saturday: 9:00AM – 7:00PM
- sunday: 9:00AM – 7:00PM
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- Conventional Loan
- FHA Loan
- Purchase
- Refinance
- Renovation Loan
Mimi Goitom
- Outside Loan Originator
- Philadelphia, PA Mortgage Loan Officer
- NMLS #749260
America’s #1 Retail Mortgage Lender
Hi, I’m Mimi! Since 2005, I’ve been passionate about connecting people and guiding them through the homeownership journey. With my expertise in mortgage financing, I help clients navigate the complexities of securing a home loan with confidence and ease.
My approach is centered on building long-term relationships and ensuring you make the best financial decisions. I provide trusted guidance and tailored solutions, whether you’re financing your first home, upgrading to your next, or investing in property.
As part of America’s #1 Retail Mortgage Lender, I offer a wide range of loan products, including conventional, jumbo, FHA, VA, and non-QM loans. From pre-approval to closing, I’ll be by your side, keeping you informed, answering your questions, and ensuring a smooth process.
My goal is to make homeownership accessible and achievable by providing clear, ethical, and personalized support. We’ll start with a conversation about your goals and priorities to find the right loan for you.
Let’s make your homeownership dreams a reality!
Mimi’s testimonials
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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.