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235 Main Street, Suite 410 White Plains, NY 10601 Mobile (631) 949-3623 Tel (607) 269-4397 [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
Marnel Garcon
- Loan Officer
- White Plains, NY Mortgage Loan Officer
- NMLS #165042
I’ll be with you every step of the way
Hello! I’m Marnel, a loan officer at our White Plains, NY branch, and I’ve been in the business since 2008. As a multilingual Haitian-American, I’m fluent in French and Creole, allowing me to better connect with a wide range of clients. I pride myself on educating clients and helping them make the right financial decisions. I hold a great love for real estate and understand it can be the biggest investment in someone’s life.
Whether you’re a first-time homebuyer, real estate investor, looking to refinance, or planning your retirement finances, I’m dedicated to getting it done. I’m an expert in loans that range from traditional standards like conventional, FHA, and VA to niche options like down payment assistance, CCM Signature Expanded DSCR, and reverse mortgage programs. Together, we’ll find the right one for your plans.
Ready to apply or have questions? I’m always a call or email away! Let me use my expertise to assist you in your homeownership goals today with America’s #1 Retail Mortgage Lender.
Marnel’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.