-
14 Commerce Drive, Suite 400 Cranford, NJ 07016 Mobile (973) 332-1281 Tel (908) 721-5858 [email protected]
-
- 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
-
- Purchase
- Refinance
Evan Kutner
I’ll be with you every step of the way
Hi, I’m Evan, and while you may see me out and about in Monmouth County, NJ, with my wife and two daughters, don’t be fooled by my casual, easy-going style. I’m passionate about skiing, attending rock concerts, and barbequing on my smoker, but when it comes to mortgage lending, I’m all business. As a Towson University graduate with over 17 years of experience, I’ve helped thousands of homeowners purchase and refinance homes by spotting details other professionals may overlook.
As part of CCM’s Monmouth County team, I’m proud to be THE authority on mortgage lending, staying ahead of the latest mortgage trends and technologies. I’m dedicated to finding creative financing solutions, no matter how complex your needs may be. Backed by the expertise of America’s #1 Retail Mortgage Lender, I’ll help you navigate the home loan process with confidence and ease.
Evan’s testimonials
Guides and resources
My social posts
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
-
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.
-
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.
-
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.
-
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.
-
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.