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200 Mineral Springs Road, Suite 205 Rockaway, NJ 07866 Mobile (832) 931-5382 Tel (973) 638-2287 [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
Jess Bordes
- Loan Officer
- Rockaway, NJ Mortgage Loan Officer
- NMLS #2149744
I’ll be with you every step of the way
Hi, I’m Jessica, your trusted partner in realizing the dream of homeownership. I joined the mortgage industry in 2022 after starting as a notary signing agent and developing a passion for home financing. My passion for helping people is what makes me stand out. As a dedicated member of our Rockaway, NJ team, I’m committed to providing exceptional service from our first conversation to closing.
What makes my services special is that I take my time when teaching my customers about the products. As America’s #1 Retail Mortgage Lender, my team and I offer a wide range of mortgage solutions, including conventional, FHA, and VA home loans. Together, we’ll find the right one for you.
On a personal note, I’m a mom of three – two boys and one girl. I speak four languages, Spanish, French, Creole, and English, and am learning Portuguese and Russian. When I’m free, I love learning new things, exploring new places, spending quality time with family and networking with others.
Jess’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.