-
- 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
Your Local CrossCountry Mortgage Loan Officer
Mary Biniaminov
- Loan Officer
- Nashville, TN Mortgage Loan Officer
- NMLS #2777363
I’ll be with you every step of the way
Hello! My name is Mary Biniaminov, and I’m a loan officer in Tennessee dedicated to guiding families through life-changing financial decisions at America’s #1 Retail Mortgage Lender. With a background in education and a master’s degree in teaching and special education, I bring a heart for service and a commitment to helping clients navigate homeownership with clarity and confidence. After six years in the classroom, I transitioned into real estate and home financing with a clear mission to help individuals and families build long-term stability through homeownership.
With real estate experience in three states, I understand the full picture from contract to closing. I focus on educating, simplifying complex processes and ensuring clients feel confident in their decisions while receiving guidance tailored to their goals. As a mother of three, I value building strong foundations for the future — and I bring that same care and dedication to every client I serve.
Mary’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.