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302 Harper Drive Suite 301 Moorestown, NJ 08057 Mobile (215) 880-2648 Tel (856) 372-4301 [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
Christian Emmel
- Originating Branch Manager
- Moorestown, NJ Mortgage Loan Officer
- NMLS #137277
I’ll be with you every step of the way
Hi, I’m Christian Emmel, and I’ve been in mortgage banking since 1998. As a seasoned loan officer who has closed over $750 million in mortgages, I focus on finding the right home loan for your personal and financial goals. With access to a wide range of loan options—whether it’s a conventional mortgage, USDA loan, or jumbo loan—I’ll help you find the right fit for your situation.
My favorite part of being a loan officer is helping people finance their first home. I love making clients feel like they’re getting the best possible experience.
I’m committed to staying connected with my clients throughout the entire mortgage process. Supported by the industry-leading tools and resources of America’s #1 Retail Mortgage Lender, I’m here to ensure a smooth and successful experience for every client. Whether you’re a first-time homebuyer or looking to add another property to your portfolio, let’s get started today!
Born and raised in South Jersey, I now live in the Philly/Southern NJ area with my wife and our daughters.
Christian’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.