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- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Shirley Crane
- Loan Officer/Loan Officer Assistant
- Parsippany, NJ Mortgage Loan Officer
- NMLS #2654151
Iāll be with you every step of the way
Proud wife š| Creating welcoming spaces for all families š³ļøāš
Hello! Iām Shirley, a mortgage pro with over 20 years of home financing experience. Iām known for being a calm problem solver and fierce advocate for my clients. Whether youāre looking to finance or refinance your first home, next home or investment property, Iām here to offer clear guidance so you can achieve your dreams.
Iāll provide clear communication that instills confidence youāre making the right choices for your future. I offer a wide range of products at Americaās #1 Retail Mortgage Lender, including conventional, jumbo, FHA, VA and NJHMFA first-time homebuyer and down payment assistance programs. Together, weāll walk through the steps of your home loan journey.
On a personal note, Iām a wife and mom to two boys! In my free time, I coach youth baseball, enjoy keeping chickens and am a dog lover who has a training certificate.
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How much will my mortgage payment be?āÆāÆ
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 significantlyĀ impactĀ these expenses. Our team can help to provide strategiesĀ thatĀ can help minimize costs.
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To determine how much home you can afford, youāll 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.