-
1173 Pittsford-Victor Road, Suite 155 Pittsford, NY 14534 Mobile (585) 233-3005 Tel (917) 277-3363 [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
Pat Lavell
- Originating Branch Manager
- Pittsford, NY Mortgage Loan Officer
- NMLS #179233
I’ll be with you every step of the way
I’ve been in the mortgage industry for over 30 years and I have provided the financing for many property types from single family homes to apartment buildings with hundreds of units. However, my focus is on the financing of individual Co-op apartments in New York City and the surrounding suburbs. At CrossCountry Mortgage, we have a broad product menu that serves the needs of customers that are buying Co-ops in New York, from the 1st Time Buyers to the Wall Street titans, and everyone in between. It’s my goal to provide my customers with the best financing option for their individual transaction.
Here’s a sample of the mortgage products that we offer our customers:
- Mortgage PreApprovals
- 1st Time Buyer
- JUMBO
- Interest Only payment options
- Reverse Mortgages (ages 62 and over)
- Foreign National
- Non-Warrantable Co-op
- 2nd home / Pied-a-Terre
- Investor / Non-Owner Occupied
- Physician’s Loans
- State of NY (SONYMA)
I recognize your need to obtain information in a timely fashion and I do my best to deliver best in industry service. You can feel free to e-mail me at [email protected], or better yet, you can call or text me at (917)277-3363, and I’d be happy to provide you with product, rate and closing costs information.
Pat’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.