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Your Local CrossCountry Mortgage Loan Officer

Justin Bonura

  • Originating Branch Manager
  • Rockaway, NJ Mortgage Loan Officer
  • NMLS #73184
Apply Now Let’s Find the Right Loan

I’m a Scotsman Guide Top Originator

Hi, I’m Justin, a branch manager based in New Jersey and licensed in various U.S. states. Since 2005, I’ve been originating mortgages with a passion for helping others find financial comfort in their homes. I’ve been recognized among the Top 200 Mortgage Originators in America by Mortgage Executive Magazine (2015-2022), as a Top Producer by Mortgage News (2016-2022), and in the Scotsman Guide Top Originator rankings. I’m also honored with New Jersey Monthly Magazine’s 5-Star Mortgage Professional award.

Personalizing the mortgage process is key to my success. Every loan is unique to your goals and finances. Whether a conventional, jumbo, FHA, USDA, or VA loan suits your needs, we’ll find the right product. I’m proud to offer the expertise of America’s #1 Retail Mortgage Lender in guiding you through purchasing, renovating, or refinancing.

From pre-approval to closing and beyond, I’m here to answer questions and keep you informed. I look forward to supporting your homeownership journey!

Let’s Find the Right Loan

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.

Neutral living room with fireplace.
Man relaxing on couch in living space reads about Bye-Bye PMI product on cell phone.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Save on Your Mortgage Every Month

Say Bye-Bye PMI 

Typically, when your down payment is less than 20%, you have to pay monthly private mortgage insurance (PMI). 

CCM Bye-Bye PMI offers qualified borrowers a conventional loan for as little as 15% down without PMI. That’s monthly mortgage savings and a smaller down payment, giving you more purchasing power.

Start here

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

Contact me

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

Inspiration for your home loan journey

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My social posts

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9h
Your homebuyers will eventually be home sellers, and you’ll want to be there for that moment, too. We’ve got resources for the whole life of your client’s loan so you meaningfully stay in touch. 🏡
justinbonura_ccmortgage justinbonura_ccmortgage
Oct 7
What’s more exciting than buying a home? Paying it off. Let's explore how biweekly payments could help you save money and pay off your mortgage sooner. 💸
justinbonura_ccmortgage justinbonura_ccmortgage
Oct 6
Turn “what if” into “what’s next.”
justinbonura_ccmortgage justinbonura_ccmortgage
Oct 4
This is what peak homeowner looks like.
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Oct 4
Freshly made beds, sunlight streaming in, peaceful mornings at home.

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.

    Learn more

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