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14 Commerce Drive, Suite 400 Cranford, NJ 07016 Mobile (856) 412-0119 Tel (908) 255-1687 [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
Gina Damiani
I’ll be with you every step of the way
Hi, I’m Gina! I’ve been in the mortgage industry since 2005. After starting as a loan processor, I became a loan officer later in my career. My background in processing helps ensure my job is efficient and leads to a smooth process for every client. No matter your goals or circumstances, you can count on me to get it done.
When you work with me, I’ll listen to personalize the mortgage process for you. If you’re a first-time homebuyer, I’ll walk you through each step of the loan process and resolve any questions you have. If this isn’t your first loan, we’ll discuss the many loan options available, including conventional, jumbo, FHA, and VA, and find the right one for your plans.
From application to closing, I’ll walk with you every step of the way. You’ll receive regular loan status updates and always feel confident I’m just a call away. I look forward to meeting you for the first time and giving you an outstanding mortgage experience at the Cranford, NJ branch of America’s #1 Retail Mortgage Lender.
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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.