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The Forman Team

We’ll be with you every step of the way

For years, Scott Forman and his team of senior loan officers have assisted homeowners with their home financing. We’ve adopted a business model from his favorite book, “Raving Fans.” Very simply, it says figure out what your clients expect and deliver it plus 1%. Scott is dedicated to delivering an experience for his clients that is first class. With a team that has decades of experience in the industry and the resources of America’s #1 Retail Mortgage Lender, we’ve been able to perfect this business model.

The Forman Team promises three things to their clients. First, we promise to close on time every time and with no surprises. Second, your cash out of pocket is exactly what you expect. Lastly, we communicate. We proactively contact every client, buyer’s agent, selling agent and attorney on every deal under contract.

When you choose to work with The Forman Team, you will experience a Raving Fan experience.

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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

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Meet our team

Team Leader

Debbie A Musco-Yeck

  • Originating Branch Manager
  • NMLS #224766
  • 102 Chestnut Ridge Rd Suite 200
  • Montvale, NJ 07645

Eva Malone

  • Regional Manager
  • NMLS #69182
  • 102 Chestnut Ridge Rd Suite 200
  • Montvale, NJ 07645

Nicole Habib

  • Senior Loan Officer
  • NMLS #659153
  • 102 Chestnut Ridge Rd Suite 200
  • Montvale, NJ 07645

Paola Gomez

  • Originating Branch Manager
  • NMLS #1581555
  • 2001 Route 46
  • Suite 310 Office 63
  • Parsippany, NJ 07054

Michael Vanmansart

  • Sales Manager
  • NMLS #153067
  • 102 Chestnut Ridge Road Suite 200
  • Montvale, NJ 07645

Vanessa Pace

  • Loan Officer
  • NMLS #2023724
  • 102 Chestnut Ridge Rd Suite 200
  • Montvale, NJ 07645

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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.

  • 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.

  • 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.

  • 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. 

  • 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. 

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