Glenn M. Davis
- Branch Sales Manager
- Montvale, NJ Mortgage Loan Officer
- NMLS #89346
Make your mortgage feel like a win
Hello! I’m Glenn, a Certified Mortgage Planning Specialist, a Certified Divorce Lending Professional, and Branch Sales Manager at America’s #1 Retail Mortgage Lender. I started my career as a private mortgage banker in 1998. Licensed in NJ, PA, MD and FL, I pride myself on a comprehensive approach, advising clients to consider their mortgage as an investment and striving to ensure my clients have the right financial solution for a happy life in a new home.
My team and I guide our clients from the beginning of the mortgage process, working with them to create a personalized financing plan. First-time homebuyers love working with us because we simplify mortgages, are always available to answer questions and offer clear communication every step of the way.
Our goal is to provide wow-factor quality service from start to finish. That’s why many of our clients come back when they decide to refinance or purchase a new home or second property — friends and clients for life.
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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.