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625 West Ridge Pike Building A Suite 100 Conshohocken, PA 19428 Mobile (610) 739-6563 Tel (610) 355-8039 [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
Joe Gonzalez
I’ll be with you every step of the way
Hi, I’m Joe, and I’m here to make your homeownership dreams a reality with America’s #1 Retail Mortgage Lender! Based in Conshohocken, PA, I’ve been serving King of Prussia and the surrounding Montgomery County areas for over 20 years. My success is driven by one simple principle I like to call the “WOW Factor”—delivering exceptional service and professionalism to every client. This commitment has helped me become one of the top loan executives in King of Prussia and Montgomery County.
Whether you’re a first-time homebuyer or dealing with a million-dollar loan, I’m dedicated to getting results. That’s why so many real estate agents, financial planners, and borrowers choose me for their home financing needs—they know they can count on me for success. Let’s work together to make your mortgage experience unforgettable!
When I’m not helping clients, you’ll find me out on the water, reeling in the next big catch—tarpon, tuna, giant sturgeon, and Mahi-Mahi are just a few of my favorites.
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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.