The Lemeshev Team
Your Future Our Focus
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258 Newark Street, Suite C Hoboken, NJ 07030 Mobile (917) 727-4530 Tel (201) 484-5210 [email protected]
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- Purchase
- Refinance
We’ll be with you every step of the way
Our loan officers offer over a decade of residential mortgage experience at CrossCountry Mortgage, America’s #1 Retail Mortgage Lender. Having thrived in the mortgage and real estate business through various economic cycles, we have the expert knowledge to succeed in any lending landscape. Our focus has always been on understanding and exceeding the expectations of our clients and referral partners.
We approach each client’s situation with a unique, personalized touch. When it comes to getting the right loan and the right deal for our client, we will do whatever it takes. Many banks can get you into a home loan, but our goal is to get you into the right loan. With our team’s expert knowledge and extensive lender network, we will find the solution to achieve your homeownership dreams.
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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
Daniel’s testimonials
Meet our team
Daniel Lemeshev
- SVP of Mortgage Lending
- NMLS #1666662
- 258 Newark Street
- Suite C
- Hoboken, NJ 07030
- [email protected]
- mobile 917-727-4530
- tel 201-484-5210
Peter Kane
- VP of Mortgage Lending
- NMLS #1926073
- 258 Newark Street
- Suite C
- Hoboken, NJ 07030
- [email protected]
- mobile 862-754-3541
- tel 201-484-5210
- fax 732-387-4896
Esther Lee
- VP of Mortgage Lending
- NMLS #2116479
- 258 Newark Street
- Suite C
- Hoboken, NJ 07030
Our support staff
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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.