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200 Mineral Springs Road Suite 205 Rockaway, NJ 07866 Mobile (973) 771-8884 Tel (848) 800-8634 [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
Klyde Tamulionis
- Sales Manager
- Rockaway, NJ Mortgage Loan Officer
- NMLS #2056115
I’ll be with you every step of the way
Hi, I’m Klyde, and I’m excited to turn your homeownership dreams into reality in Rockaway, NJ! Before becoming a loan officer, I worked for real estate agents as an inside sales originator. That experience taught me the invaluable lessons of clear communication and relationship building—values I hold dear to this day. It ignited my passion for helping people secure their dream homes. There’s truly no better feeling than watching clients get their keys!
I love being a guide for my clients, helping them overcome hurdles and finding the perfect loan solution. Whether you’re a first-time homebuyer, a long-time homeowner, or an investor, I’m here to help every step of the way. I offer a selection of products to help you build your future, including renovation loans, first-time homebuyer grants, and programs allowing investors to finance using rental income. At America’s #1 Retail Mortgage Lender, I’ll listen closely and plot a path that gets you there.
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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.