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- Condo Mortgage
- Conventional Loan
- FHA Loan
- Purchase
- Refinance
Your Local CrossCountry Mortgage Loan Officer
Janine Iuliano
- Senior Loan Officer
- St. Charles, IL Mortgage Loan Officer
- NMLS #217680
I’ll be with you every step of the way
Hello! My name is Janine. I’ve been thriving in the mortgage industry since 1998. Throughout my career, I’ve worn a variety of hats, including title and account management, processing, sales support and office management. In 2007, I brought these skills and experiences together and made the leap into mortgage origination.
My exuberant personality, persistence and impeccable attention to detail represent a combination of traits that make me exceptional at what I do. I have a passion for maintaining great, lifelong relationships that have led me to help hundreds in my community reach their goal of homeownership. Most consider me more of a friend than simply a mortgage professional who helped them with a loan.
My drive and energy are derived from a love for physical fitness and exploring all that a healthy lifestyle can offer, such as skiing, yoga, meditation, lifting weights, enjoying the outdoors and being a dedicated giver to our community.
Guides and resources
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.
Janine’s testimonials
Inspiration for your home loan journey
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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.