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625 West Ridge Pike, Building A, Suite 100 Conshohocken, PA 19428 Mobile (561) 302-5982 Tel (484) 324-0682 [email protected]
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- monday: 8:00AM – 6:00PM
- tuesday: 8:00AM – 6:00PM
- wednesday: 8:00AM – 6:00PM
- thursday: 8:00AM – 6:00PM
- friday: 8:00AM – 6:00PM
- saturday: 10:00AM – 3:00PM
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- First-Time Homebuyers
- Home Equity
- Non-QM Loans
- Purchase
- Refinance
Nick Sandoval
- Senior Loan Officer
- Conshohocken, PA Mortgage Loan Officer
- NMLS #858085
I’ll be with you every step of the way
Hi, I’m Nick. With over two decades in the mortgage industry, I’ve dedicated myself to guiding clients through the intricate process of buying a home and refinancing. My core values of professionalism, honesty, integrity, and clear communication shape every interaction. Listening attentively and being readily available to answer questions are at the heart of my approach.
I offer a wide range of mortgage options tailored to individual goals and circumstances, ensuring a seamless journey from start to finish. Recognizing the uniqueness of each client’s situation, I strive to uncover solutions for every scenario. Whether you’re buying your first home, next home, an investment property, or a vacation destination, I’ll find the right loan to achieve your goals with America’s #1 Retail Mortgage Lender.
I work hard to create lasting relationships, transforming clients into lifelong partners on their homeownership journey. From our application to closing, I look forward to walking by your side every step of the way.
Guides and resources
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.
Nick’s testimonials
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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.