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625 West Ridge Pike, Building A, Suite 100 Conshohocken, PA 19428 Mobile (610) 888-0921 Tel (610) 557-3591 [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
Danny Kovalski
- Senior Loan Consultant
- Conshohocken, PA Mortgage Loan Officer
- NMLS #1074475
I’ll be with you every step of the way
Hi, my name is Danny, and I’m excited to help you open the door to your dream home! Based in Conshohocken, PA, I’ve been serving clients throughout the tri-state area for the past 10 years, building lasting relationships that are the true foundation of my success. I’m passionate about working earnestly for my clients, always going above and beyond to ensure your questions are answered and you feel confident in your decisions. My goal is to deliver the “Referable Experience”—exceptional service that makes you eager to recommend me to others. Whether you’re buying, refinancing, or investing, I’m here to guide you every step of the way with America’s #1 Retail Mortgage Lender!
When I’m not helping people with their home financing, you can find me enjoying a day at the beach in Ocean City, NJ, with my wife and our four daughters. I also love running, golfing, and browsing the wine aisle for my next favorite find.
Danny’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.