Your Hauppauge, New York mortgage experts
Your Future Our Focus
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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
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
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.
Inspiration for your home loan journey
Testimonials
Meet our team
Joseph Ferraro
- Originating Branch Manager
- NMLS #1443543
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-767-9073
- tel 631-619-3915
- fax 631-619-3916
Brian Maguire
- VP of Affinity Lending
- NMLS #245865
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 516-322-9774
- tel 516-604-3041
- fax 516-604-3042
Nick Brackett
- Sales Manager/Loan Officer
- NMLS #2256387
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-627-2455
- tel 631-418-8175
- fax 631-418-8175
Ronald Contrelli
- Loan Officer
- NMLS #14206
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-365-2407
- tel 516-604-3039
- fax 516-604-3039
Virginia Donovan
- Loan Officer
- NMLS #839437
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 516-729-4820
- tel 516-604-3038
- fax 516-604-3038
Owen McCaffrey
- Senior Loan Officer
- NMLS #408758
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 516-238-0861
- tel 516-342-4585
- fax 516-342-4585
Carlos Dorta
- Loan Consultant/Advisor
- NMLS #2601495
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 561-707-8822
Spyros Karellas
- Loan Officer
- NMLS #2624689
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 516-315-8986
- tel 631-784-3526
- fax 631-784-3526
Our support staff
Richard Tschernia
SVP of Affinity LendingMarquel Layton
Loan Officer AssistantMy social posts
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.