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5 Austin Avenue, Unit 1 Greenville, RI 02828 Mobile (401) 215-6004 Tel (401) 433-9964 [email protected]
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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Gian Martellini
America’s #1 Retail Mortgage Lender
Hi, I’m Gian Martellini, and I’m thrilled to serve Rhode Island, Massachusetts and Connecticut, offering tailored home financing solutions for clients in these exceptional communities! With a Bachelor of Arts from Boston College, I combine my educational foundation with a strong work ethic, honed as a collegiate baseball player for the Eagles. My athletic career continued playing professionally for an MLB partner league, where I learned the importance of discipline, teamwork and perseverance — values that inform my approach to helping clients navigate the mortgage process.
At America’s #1 Retail Mortgage Lender, we offer a wide range of products to suit your goals. From conventional and FHA to VA, USDA, refinancing options and more, our personalized approach and deep understanding of the market ensure a seamless process. From pre-approval to closing, I pledge clear communication and expert guidance, helping you secure the right financing solution for your situation.
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.
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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.