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  • 530 Chestnut Street, Suite 202 Union, NJ 07083 Mobile (973) 856-4479 Rafaela.Negron@ccm.com

Your Local CrossCountry Mortgage Loan Officer

Rafaela Negron

  • Vice President of Lending
  • Union, NJ Mortgage Loan Officer
  • NMLS #481229
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I’ll be with you every step of the way

Hi, I’m Rafaela! With over 25 years of mortgage experience, I understand that a hands-on approach is crucial to home loan approval. I approach every client’s financing with a high level of professionalism and expertise, emphasizing clear communication throughout the process. Being fluent in Spanish, I also help and support the Hispanic community in achieving their homeownership dreams.

Whether your dream is purchasing your first home, your next home, or refinancing your current loan, everything starts with a conversation. We’ll discuss your finances and goals to determine what mortgage is right for you. To help you buy, I’ll highlight the benefits of conventional, FHA, and VA loans, along with CCM’s suite of innovative programs. If you’re refinancing, we can explore our range of rate and term, home equity, and HELOC products.

From our first conversation to closing, I look forward to assisting you with your home purchase or refinance goals, right here in Union, NJ, as part of America’s #1 Retail Mortgage Lender.

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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. 

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.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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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.

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