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200 Mineral Springs Road, Suite 205 Rockaway, NJ 07866 Mobile (201) 638-8194 Tel (848) 800-6765 [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
Rey Aparicio
- Senior Loan Officer
- Rockaway, NJ Mortgage Loan Officer
- NMLS #1823942
I’ll be with you every step of the way
Hi, I’m Rey, and since 2019, I’ve been dedicated to helping people like you find the perfect place to call home. Whether it’s a conventional or FHA loan, or a non-qualified mortgage like the CCM Signature Expanded ITIN loan, I’m committed to helping you explore all the options available to achieve your homeownership dreams.
As a loan officer in Rockaway, NJ, with America’s #1 Retail Mortgage Lender, I approach mortgages with an investor’s mindset, ensuring you see all available options and get a great return on your investment. With firsthand experience as an investor, I offer insights on everything from rehab to maintenance and day-to-day expenses. Your goals are my priority, and I’ll be there every step of the way to help you achieve them.
From pre-approval to closing and beyond, I’ll make sure you’re informed and answer any questions—whether in English or Spanish. Ready to take the next step? I’m here to help make your dreams a reality.
Rey’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.