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- Condo Mortgage
- Co-op Mortgage
- Down Payment Assistance
- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
- Renovation Loan
- Reverse Mortgage
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Your Local CrossCountry Mortgage Loan Officer
Steven Luzzi
I’ll be with you every step of the way
Hi, I’m Steven Luzzi, and I’m passionate about turning your homeownership goals into reality! Proudly serving my home state of New Jersey, I’m also licensed in New York, Florida and Pennsylvania with the ability to assist clients across the country through CCM’s National Referral Expressway Program. With over 20 years of experience, I make the mortgage process smooth and stress-free — whether you’re buying your first home, a second home, an investment property or refinancing your current mortgage.
At America’s #1 Retail Mortgage Lender, my mission is to help you close with confidence. I’ll guide you through every step so you can start relaxing in your new home faster and with peace of mind.
Choosing CCM means more than a hassle-free experience — you get access to a wide range of loans, including conventional, FHA, VA and USDA, plus programs you won’t find anywhere else.
Ready to take the next step toward your homeownership dreams? Contact me today, and let’s make your mortgage a win!
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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.