-
1182 Fischer Blvd., Suite 1 Toms River, NJ 08753 Mobile (732) 713-2887 Tel (732) 597-7756 [email protected]
-
- monday: 10:00AM – 6:00PM
- tuesday: 10:00AM – 6:00PM
- wednesday: 10:00AM – 6:00PM
- thursday: 10:00AM – 6:00PM
- friday: 10:00AM – 6:00PM
-
- Down Payment Assistance
- First-Time Homebuyers
- Home Equity
- Purchase
- Refinance
Mark Ramos
I’ll be with you every step of the way
Hi, I’m Mark, based in Ocean County, New Jersey. As a born-and-raised New Jersey native, I’ve always valued hard work and self-sufficiency. Growing up in Tenafly, Bergen County, I worked two jobs to put myself through college, earning a bachelor’s degree in communications from the College of New Jersey. Now, living in Ocean County with my wife and seven children, I’m passionate about building relationships with my clients and providing them with the personalized attention they deserve.
With over 18 years of experience in the industry, I have the knowledge and expertise needed to help you secure the best possible terms and rates for your mortgage. Whether we’re discussing your mortgage needs or simply enjoying the great outdoors, I’m committed to getting to know you on a personal level and helping you achieve your goals. As part of America’s #1 Retail Mortgage Lender, I’m invested in your success and will work tirelessly to ensure that you receive the highest level of personalized service and support.
Mark’s testimonials
Guides and resources
My social posts
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.
Join us for local or online event
Inspiration for your home loan journey
Frequently asked questions
-
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.
-
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.
-
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.
-
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.
-
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.
Join our team callout
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod.