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5 East Main Street, Suite 28-B Denville, NJ 07834 Mobile (201) 452-4825 Tel (973) 200-1784 [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
Angelica Tanti
- SVP of Mortgage Lending
- Denville, NJ Mortgage Loan Officer
- NMLS #1163201
Your biggest decision is my biggest passion
Hi, I’m Angelica Tanti, one of America’s Top 1% of Mortgage Originators and the go-to home financing strategist for our local New Jersey communities. My tenacious commitment to mortgage and real estate solutions set me apart.
I’m dedicated to thoughtfully piecing together beneficial home financing solutions. Whether guiding first-time homebuyers through their first loan or advising long-time property investors on renovation financing, my extensive knowledge and dedication to quality stem from personal experience.
My passion for real estate goes beyond home financing. As a seasoned investor, I offer a wealth of expert advice on unique scenarios, including multi-family properties, Airbnbs, and more. With CrossCountry Mortgage, I’m able to provide an expanded menu of solutions – ensuring a smooth process for each of my clients.
In my personal life, I am a music lover who enjoys entertaining and living life to the fullest. I’m a proud sponsor of Out Montclair’s Monthly Karaoke Nights. I am also a board game enthusiast who appreciates a great strategy. Even in my downtime, I am determined to find the perfect solution for every challenge.
Ready to purchase your dream home or refinance your current mortgage? Contact me today to experience the exceptional service and expertise you deserve.
Angelica’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.