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The Parker Team

We’ll be with you every step of the way

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At CrossCountry Mortgage, LLC, America’s #1 Retail Mortgage Lender, we are dedicated to providing exceptional service and personalized support to meet your unique mortgage needs. Our commitment to professional excellence and a genuine desire to help others drive us to go above and beyond for our clients. With over 25 years of experience in mortgage lending, we take immense pride in the positive impact we make as we assist families in achieving their homeownership and financial dreams.

Whether you’re a first-time homebuyer, looking to refinance, or seeking advice on financial planning, consider us your dream makers. We are here to guide you through every step of the mortgage process, alleviating any worries and ensuring you feel confident and informed. Our goal is to fulfill your dream of homeownership while keeping a smile on your face throughout the entire journey.

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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.

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Meet our team

Team Leader

Terri Santiago-Parker

  • Divisional Vice President
  • NMLS #135602
  • 1652 Cooper Street
  • Woodbury, NJ 08096

Angie Soto

  • Outside Loan Originator
  • NMLS #2388596
  • 1652 Cooper Street
  • Woodbury, NJ 08096

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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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