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960 Holmdel Road, Building II Suite C Holmdel, NJ 07733 Mobile (908) 216-5008 Tel (908) 216-5008 [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
Nicholas Montani
- Originating Branch Manager
- Holmdel, NJ Mortgage Loan Officer
- NMLS #1601794
I’ll be with you every step of the way
Hello! I’m Nicholas Montani, the Originating Branch Manager at Team Montani. My team and I are focused on providing the highest level of customer service, communication and transparency at all times. When working with Team Montani, all parties involved in the loan process will find that we do the little things to give you that “wow” experience!
It is an honor and a privilege to help as many families as I can. Availability, accountability and the desire to help people achieve their goals make a positive and memorable mortgage experience. Whether you’re ready to start your homeownership journey or want to ask questions, I look forward to answering your call with America’s #1 Retail Mortgage Lender.
I’ve been a resident of Monmouth County, New Jersey my entire life. I enjoy spending time with my beautiful wife and son, golfing and going on walks with our pet beagle, Charlie.
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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
Nicholas’s testimonials
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.