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- monday: 10:00AM – 9:00PM
- tuesday: 10:00AM – 9:00PM
- wednesday: 10:00AM – 9:00PM
- thursday: 10:00AM – 9:00PM
- saturday: 11:00AM – 5:00PM
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- Conventional Loan
- FHA Loan
- Purchase
- Refinance
- Renovation Loan
Javier Kato
- Loan Officer
- Brooklyn, NY Mortgage Loan Officer
- NMLS #2230547
I’ll be with you every step of the way
Hi, my name is Javier, and I’m carving my way to being one of New Jersey and New York’s most dependable mortgage professionals! I provide exceptional service to real estate agents and homebuyers, offering an honest and personalized approach where my clients enjoy a high level of attention, mortgage education, and guidance throughout the process. I enjoy working with first-time homebuyers, especially because I enjoy working closely and helping them understand and feel comfortable during this major life milestone of purchasing their first home. Being fluent in Spanish and English equips me to offer my services to large community of clients seeking a Spanish speaking loan officer. I offer a 5-star level experience and share my expertise and strong network of contacts including top level agents and attorneys.
When you combine these notable attributes with the wide range of loan programs and an efficient workflow offered by America’s #1 Retail Mortgage Lender, there’s no question why agents and clients continue to refer clients to me. From application to closing and beyond, I look forward to providing professional mortgage and homebuying guidance on your journey to homeownership.
Javier’s testimonials
Guides and resources
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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.