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Your Sewell, New Jersey home loan experts

We’ll be with you every step of the way

At America’s #1 Retail Mortgage Lender, we’re committed to making every mortgage feel like a win. Team McElroy brings 25+ years of mortgage experience and a people-first philosophy to every client we serve. Our approach is simple: understand your goals, remove the guesswork and always overdeliver.

Our team is made up of trusted loan officers who live, support and serve the communities we work in. We combine deep knowledge of home loan programs, local market insight and a commitment to service to deliver an exceptional experience from start to finish.

Home financing is more than a loan — it’s about building stronger communities. Whether you’re a first-time homebuyer, upgrading, downsizing, refinancing or investing, we’re dedicated to making the process smooth, strategic and stress-free.

Our mission is simple: give you a clear plan, provide competitive options and make home financing feel easy. If you’re ready to explore your next move, Team McElroy is here to help you win.

Meet our team

Billy McElroy Photo
Branch Leader

Billy McElroy

  • Originating Branch Manager
  • NMLS #48244
  • 373 Egg Harbor Rd.
  • Store #5
  • Sewell, NJ 08080
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Our support staff

Michele Soto

Michele Soto

Branch Concierge

Testimonials

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Inspiration for your home loan journey

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A couple sitting on their porch discussing when mortgage rates will go down & their mortgage refinance options.

When Will Mortgage Rates Go Down?

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FHA Loan Requirements Checklist 2025

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What Are Conforming Loan Limits?

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

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.

A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.
A contractor meets with the homeowner and discusses improvements to create their dream home.

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Make Any Home Your Dream Home

Tired of leaving open houses without finding “the one?” With a renovation loan, you can bring your ideas of the perfect home to life! 

Here’s how: 

  • Finance the costs of buying and upgrading a home with one loan, so you can purchase an imperfect but good (and probably less expensive) house and add your personal touch.  
  • Refinance the cost of home improvements to get the benefits of moving without the packing and unpacking, figuring out new utilities…you know the hassle. 

Frequently asked questions

  • 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. 

    Learn more

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