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200 Mineral Springs Road, Suite 205 Rockaway, NJ 07866 Mobile (862) 268-4723 Tel (862) 256-5842 [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
Victoria Magee
- Jr. Processor/Loan Officer
- Rockaway, NJ Mortgage Loan Officer
- NMLS #1418836
I’ll be with you every step of the way
Hi, I’m Victoria. In March 2016, I joined the mortgage industry to help people get the home of their dreams! It’s been incredibly rewarding, especially since most of my clients have become friends after the process. I offer detail-oriented service, am available seven days a week, and will always be here to answer your questions—three ways to win with your home financing.
Whether you’re buying, refinancing, or renovating, I offer a variety of mortgages to get it done. I’ll start by discussing your goals and finances to determine which options are best suited for you. From client favorites like conventional, FHA, and VA to CrossCountry Mortgage’s suite of renovation loans, we’ll find a mortgage that feels like a win. As part of America’s #1 Retail Mortgage Lender in Rockaway, NJ, I’m here to make your homeownership dreams a reality.
When I’m not turning homeownership dreams into reality, I love fitness, relaxing by the lake, and spending time with friends and family.
Victoria’s testimonials
Guides and resources
My social posts
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.