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7520 Bergenline Ave North Bergen, NJ 07047 Mobile (201) 951-6423 Tel (201) 868-7283 [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
Sheetal Sawhney
- Originating Branch Manager
- North Bergen, NJ Mortgage Loan Officer
- NMLS #20352
I’ll be with you every step of the way
Hi, I’m Sheetal, and after more than 23 years in this business, I still love what I do! As a Certified Mortgage Planning Specialist, I use my background to help you understand how your home loan fits into your financial plan. Each mortgage is a chance to make a client happy, but I especially enjoy working with first-time homebuyers. It’s such a thrill to see them get the keys to their first home. My mantra is service — we return calls, answer emails, and stay in touch even after closing. I’m always here to answer your questions and offer advice. My goal is to exceed your expectations and create a lasting relationship based on trust and dependability.
My outstanding North Bergen, NJ team is here to assist you, offering service in both English and Spanish. We’ll walk you through the entire process, keeping you informed every step of the way. I’ll also keep your real estate agent and attorney in the loop. As part of America’s #1 Retail Mortgage Lender, I’m committed to helping you achieve your homeownership dreams.
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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.