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- monday: 8:00AM – 5:00PM
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- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- First-Time Homebuyers
- Home Equity
- Purchase
- Refinance
- Renovation Loan
Kyle Farrell
I’ll be with you every step of the way
Hi, I’m Kyle, based in Toms River, NJ. Inspired by community, I migrated from humble Newark roots to the vibrant Jersey Shore. After earning my Psychology degree, I embraced service through Substance Abuse Counseling. My true calling unfolded when my growing family sought homeownership. Witnessing the impact of a mortgage loan originator sparked my passion, leading me to become one myself.
For me, mortgage lending is more than just a career; it’s a bridge between dreams and reality. By understanding each client’s unique story and aspirations, I tailor financial solutions that empower their long-term goals. Their trust fuels my unwavering commitment to their success.
Building relationships with referral partners expands my reach, allowing me to guide their family, friends, and clients toward securing dream homes, refinancing, or investing in real estate. As part of America’s #1 Retail Mortgage Lender, I’m dedicated to making those dreams a reality.
Kyle’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.