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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
Denise Cohn
I’ll be with you every step of the way
Hi, I’m Denise, a loan officer with over 25 years of experience at our White Plains, NY branch with America’s #1 Retail Mortgage Lender. My focus has always been on providing exceptional customer service and designing home loans to fit each client’s unique needs. With CrossCountry Mortgage licensed in all 50 states, we can help you with your home financing needs no matter where life takes you.
When you come to me for your mortgage, I start by listening to understand your goals and priorities. Whether you’re a first-time homebuyer, a seasoned homeowner, purchasing an investment property, or looking for a renovation loan, I offer a wide range of mortgage programs including conventional, jumbo, FHA, and VA. Together, we’ll find the loan that best fits your needs.
Communication is key, and I’m dedicated to keeping you informed about your loan’s progress and being available to answer your questions from application to closing and beyond. I look forward to providing you with an outstanding home loan experience.
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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.