The Manglardi Group
Your Future Our Focus
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- Purchase
- Refinance
We’ll be with you every step of the way
We have joined forces to create an exceptional team of home financing professionals with decades of mortgage expertise. The Manglardi Group honors the legacy of our father, John Manglardi Sr. He was a legendary industry leader who spent more than 40 years as a mortgage executive and gave us a strong work ethic and a commitment to concierge-level service.
At America’s #1 Retail Mortgage Lender, we offer a wide range of loan programs to provide personalized home financing plans. Conventional, VA, FHA, and USDA are just the start. Together, we’ll find the one to achieve your homeownership dreams.
Because we each have our own role, our team can help you with individual expertise – creating a home loan process that moves from milestone to milestone with ease. Trust us to give you an outstanding mortgage experience.
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Guides and resources
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
John’s testimonials
Meet our team
John Manglardi
- Sr. Vice President
- NMLS #1137919
- 413 N. Carpenter St.
- Suite 1W
- Chicago, IL 60642
- [email protected]
- mobile 847-636-9397
- tel 312-319-8632
- fax 312-500-8740
Marla Barch
- Sr. Loan Officer
- NMLS #229398
- 413 N. Carpenter St.
- Suite 1W
- Chicago, IL 60642
Vincent LeBica
- AVP of Mortgage Lending
- NMLS #1958294
- 2321 Rosecrans Avenue
- Suite 1290
- El Segundo, CA 90245
- [email protected]
- mobile 386-589-7437
- tel 310-697-8630
- fax 424-277-9346
Joe Manglardi
- Sr. Vice President
- NMLS #1128287
- 205 S. Hoover Blvd. Suite 203
- Tampa, FL 33609
- [email protected]
- mobile 407-963-0451
- tel 407-635-8184
- fax 407-635-8183
Our support staff
Heidi Bystrom
Production Manager
Sarah Kirkwood
Senior Loan Processor
Jennifer Zeman
Production ManagerMy social posts
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.