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4 Summer Street, Unit 1 Manchester, MA 01944 Mobile (339) 440-0913 Tel (978) 717-0409 [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
Lani Sanethong
I’ll be with you every step of the way
Hi, I’m Lani, and for over 16 years, I’ve had the privilege of serving many clients in the real estate industry. I hold an MBA with a concentration in accounting from Clark University, and I’m known for being straightforward, diligent, patient, and tech-savvy. I find great joy in helping people achieve their homeownership goals, whether by qualifying for a mortgage or refinancing an existing loan to save money. At the Manchester, MA branch of America’s #1 Retail Mortgage Lender, I’m here to guide you through the home loan process with clear communication that ensures you feel confident in your choices for you and your family.
Whether this is your first home, your next home, or an investment property, I offer a wide range of loan products, including conventional, jumbo, FHA, and VA. Together, we’ll walk through each step in your homebuying or refinancing journey..
From pre-approval to closing and beyond, I look forward to providing you with an exceptional mortgage experience.
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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.