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500 Campus Drive, Suite 101 Morganville, NJ 07751 Mobile (732) 685-2264 Tel (732) 491-8308 [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
Martin Meltzer
I’ll be with you every step of the way
Hi, my name is Martin, and I’m here to help you unlock the doors to your dream home! As a member of our Morganville, NJ team, I’m proud to offer the expertise and resources of America’s #1 Retail Mortgage Lender to make that happen.
Over the last 17 years in the mortgage industry, I’ve helped thousands of families buy their first homes or refinance their current homes. I’m excited to be part of CrossCountry Mortgage, with our innovative approaches and dedicated support. From advanced mortgage technology to personalized service, I can’t wait to show you the difference!
I’ll guide you through the right decisions, whether purchasing a primary home, second home, or investment property. My expertise covers all types of loans, including conventional, FHA, VA, and jumbo loans. My support doesn’t end at closing – I’m always available for questions before, during, and after the process. I look forward to helping you on your homeownership journey!
On a personal note, I’m married, have two daughters, and five grandkids who are my life.
Martin’s testimonials
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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.