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2900 Westchester Ave., Suite 202 Purchase, NY 10577 Mobile (415) 310-5241 Tel (908) 402-8094 [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
Lisa Yountchi
I’ll be with you every step of the way
Hi, I’m Lisa, and I’ve always had a passion for real estate. My father sparked my interest in the property business, and I truly love helping people buy their dream homes—it’s an incredible feeling to be part of such an important milestone in their lives.
I started in the mortgage industry six years ago, after being introduced to it by friends. I began at the bottom, worked my way up, and have always believed that the client comes first. I love working with first-time homebuyers, guiding them through each step of the mortgage process to ensure a smooth experience.
As a working mom, I know how to juggle multiple tasks and get the job done. When you work with me, you’ll get timely answers to your questions, and I’ll make sure you’re fully informed every step of the way. I’m excited to bring my expertise to CrossCountry Mortgage’s Purchase, NY office, backed by America’s #1 Retail Mortgage Lender!
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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.