-
- 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
Your Local CrossCountry Mortgage Loan Officer
Laura Barreneche
- Senior Loan Officer
- Staten Island, NY Mortgage Loan Officer
- NMLS #2074156
I’ll be with you every step of the way
Hello! My name is Laura Barreneche. With 11+ years of financial services experience and five years focused on the mortgage industry, I have developed a strong financial mindset, attention to detail and respect for doing things the right way. I’m here to bring expertise and real care to every homebuyer at America’s #1 Retail Mortgage Lender.
I believe that buying a home should feel empowering, not overwhelming. I teach clients the process, explain the “why” behind every decision and make sure they truly understand what they’re buying. By the time my buyers reach the closing table, they feel confident, informed and excited about what they’ve accomplished.
I’m known for my warm, calming presence and my ability to bring just the right amount of hype when it counts. My goal is to make the mortgage process feel personal, smooth and supportive. Outside of work, I enjoy spending weekends with my family, playing sports, traveling and recharging at home.
Laura’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.