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3401 Mallory Lane, Suite 100 & 200 Office 126 Franklin, TN 37067 Mobile (805) 405-4299 Tel (615) 583-5287 [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
John Gardella
- Originating Branch Manager
- Franklin, TN Mortgage Loan Officer
- NMLS #305669
I’ll be with you every step of the way
Hi, I’m John, based in Franklin, TN. I’ve been in the mortgage industry for over 30 years and have successfully closed thousands of home financing transactions. My team and I have always prided ourselves on providing A+ customer service and professionalism. We work together to give homebuyers competitive interest rates, fast closings, and a wide range of traditional and innovative loan products. Together, we’ll make your mortgage feel like a win.
To help you achieve your homeownership goals, I’ll guide you through home financing. We’ll discuss your plans and review every mortgage option, from conventional and FHA to VA and USDA loans. Your satisfaction is important to me, so I’ll be by your side to answer your questions and guide you from applying for your loan to closing your home. Homeownership is a big opportunity and investment, and I’m excited to help you make it happen as part of America’s #1 Retail Mortgage Lender.
On a personal note, I’ve been married for over 30 years with three wonderful adult children.
John’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.