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Your Cranford, New Jersey mortgage experts

  • 14 Commerce Drive, Suite 400 Cranford, NJ 07016 Branch NMLS #1600235
    • 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
    • Purchase
    • Refinance

We’ll be with you every step of the way

As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.

Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.

Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.

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

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Exterior of a ranch style home whose mortgage is going through a refinance.

When to Refinance a Mortgage

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What Are Conforming Loan Limits?

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First-time homebuyers calculating how much down payment is needed on a house.

Down Payment: How Much Do You Need for a House?

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Woman researching loan officers to find the right financing parter

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. 

Meet our team

Julio Nunez Photo

Julio Nunez

  • Loan Officer
  • NMLS #2081841
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Glenn Pearson Photo

Glenn Pearson

  • Outside Loan Originator
  • NMLS #1969604
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Donald Belfiore Photo

Donald Belfiore

  • Branch Manager
  • NMLS #103155
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Frank House Photo

Frank House

  • Inside Loan Originator
  • NMLS #1740694
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Larry Vindman Photo

Larry Vindman

  • Originating Branch Manager
  • NMLS #103147
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Mark Apostolou Photo

Mark Apostolou

  • Outside Loan Originator
  • NMLS #280714
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Jill Golden Photo

Jill Golden

  • Loan Officer
  • NMLS #1064240
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Gina Damiani Photo

Gina Damiani

  • Loan Officer
  • NMLS #173072
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
LaTonya McNeill Photo

LaTonya McNeill

  • Inside Loan Originator
  • NMLS #2446740
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Lisa Umbehauer Photo

Lisa Umbehauer

  • Senior Loan Officer
  • NMLS #404383
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Rafaela Negron Photo

Rafaela Negron

  • Vice President of Lending
  • NMLS #481229
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Susan Rollet Photo

Susan Rollet

  • Senior Loan Advisor
  • NMLS #1595775
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Malik Shalmiyev Photo

Malik Shalmiyev

  • Loan Officer
  • NMLS #1542149
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Claus Andersen Photo

Claus Andersen

  • VP of Lending
  • NMLS #413932
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
David Wicki Jr. Photo

David Wicki Jr.

  • VP of Lending
  • NMLS #192715
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Hassan Simmons Photo

Hassan Simmons

  • Senior Loan Officer
  • NMLS #1114525
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Jack Conde Photo

Jack Conde

  • Loan Consultant/Advisor
  • NMLS #2605498
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website

Our support staff

Sherri Jacques

Sherri Jacques

Branch Operations Manager
Lisa Arias

Lisa Arias

Loan Opener
Elona Hudek

Elona Hudek

Loan Officer Assistant
Kristen Venning

Kristen Venning

Loan Partner
Nehal Sanghavi

Nehal Sanghavi

Senior Loan Processor
Vlad Vindman

Vlad Vindman

Branch Manager
Karen Guarin

Karen Guarin

Opening Team Lead
Mike Whitehead

Mike Whitehead

Branch Business Development Manager
Amanda LaBoy

Amanda LaBoy

Branch Business Development Specialist
Chris Cillo

Chris Cillo

Loan Partner
Joel Colman

Joel Colman

Loan Officer

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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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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. 

    Learn more
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