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4509 Creedmoor Road, Suite 504 Raleigh, NC 27612 Mobile (919) 332-4030 Tel (984) 205-5817 [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
Jennifer McGarry
- Loan Officer
- Raleigh, NC Mortgage Loan Officer
- NMLS #1762536
I’ll be with you every step of the way
Hi, my name is Jennifer, and I’m blessed to have a career that brings immense joy to everyone in the homebuying process. When you’re looking for a new house, you’re not just hoping for a replacement for something that’s gotten old or stopped working – you’re looking for the place you’ll call home. Home is where memories are made, holidays are enjoyed, birthdays are celebrated, and so much more! I look forward to being part of searching for – and closing on – the home of your dreams.
At America’s #1 Retail Mortgage Lender, your goals are our priority. As a Military spouse of almost 20 years, I understand the challenges of moving across states and shopping for homes sight unseen. I specialize in the VA home loan, but we can discuss a variety of mortgages, including conventional, FHA, and USDA loans. Every home purchase is unique, and I will apply my expertise to navigate the loan process specific to your needs.
Please reach out so my Raleigh, NC, team and I can get the process underway – your next home is waiting!
Jennifer’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.