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Your Local CrossCountry Mortgage Loan Officer
Karin Gagliano
I’ll be with you every step of the way
Hello! I’m Karin Gagliano, your mortgage matchmaker at CrossCountry Mortgage, here to make home financing understandable and stress-free. With over 25 years of experience in financial services and mortgages, I have developed a true passion for helping individuals and families find the right home loan that fits their goals and needs.
My goal is to help everyone become financially savvy and in charge of wealth building through smart financing. Whether you’re buying your first home, looking to move up, downsize or invest, I’ll provide you with personalized solutions. I’m especially proud to serve those who have served our country by specializing in VA home loans for Veterans, Active-Duty Service, and their families. As a VA loan expert, I’m committed to making sure Veterans understand how to maximize their benefits, avoid common misconceptions and confidently navigate the homebuying process.
Let’s connect and start your homeownership journey with America’s #1 Retail Mortgage Lender today!
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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.