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19 N. Main Street, Suite A Pearl River, NY 10965 Mobile (845) 304-3072 Tel (845) 217-0140 [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
Christopher Higgins
I’ll be with you every step of the way
Hi, I’m Chris, a trusted loan officer in Pearl River, NY. When we work together, you are my number one priority. I make sure to listen to all of your needs so we can come up with a plan that leads to your success during the home financing process.
I’m driven, eager, and I love learning new things every day. My compassionate nature helps me connect with people, allowing me to offer the support you need. I’m ready to provide the outstanding home loan experience you deserve, and my recommendations will respect your individual circumstances.
From FHA and VA to conventional and jumbo, America’s #1 Retail Mortgage Lender offers a wide range of loan programs for buying, refinancing, or renovating. I can find a solution for you and be your guide through your homebuying journey, whether you’re a first-time homebuyer or a long-time homeowner.
Throughout every step, my team and I will communicate with you and everyone involved in the transaction, so there are never any surprises from application to closing and beyond.
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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.