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625 West Ridge Pike Building A Suite 100 Conshohocken, PA 19428 Tel (609) 408-5787 [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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- First-Time Homebuyers
- Non-QM Loans
- Purchase
- Refinance
- VA Loan
Victoria Kammer
- Originating Branch Manager
- Conshohocken, PA Mortgage Loan Officer
- NMLS #414039
America’s #1 Retail Mortgage Lender
Hi, I’m Victoria, and I’m passionate about helping you open the doors to your dream home with America’s #1 Retail Mortgage Lender! Based in Philadelphia, PA, I bring 15 years of experience in the mortgage industry and a commitment to guiding you through every step of the home financing process. For me, this isn’t just a job—it’s my passion. I love meeting new people and building relationships that go beyond the loan process, treating my clients like family.
Buying a home is one of life’s biggest investments, and it should be an exciting journey. My team and I are dedicated to ensuring you feel supported every step of the way. I’m always available—day or night—to answer your questions and provide the guidance you need to make informed decisions. Whether you’re a first-time homebuyer, a seasoned investor, or looking to refinance, you can count on us for personalized service, competitive rates, and a seamless process. Let’s make your homeownership dreams a reality together!
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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.