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530 Chestnut Street, Suite 202 Union, NJ 07083 Mobile (732) 859-5410 Tel (732) 484-4150 [email protected]
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- monday: 9:00AM – 5:00PM
- tuesday: 9:00AM – 5:00PM
- wednesday: 9:00AM – 5:00PM
- thursday: 9:00AM – 5:00PM
- friday: 9:00AM – 5:00PM
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- First-Time Homebuyers
- Jumbo Loan
- Non-QM Loans
- Purchase
- Refinance
Tammy O’Scanlon
- Senior Vice President of Production
- Union, NJ Mortgage Loan Officer
- NMLS #453163
America’s #1 Retail Mortgage Lender
Hi! My name is Tammy O’Scanlon. I’m a seasoned mortgage professional with over 30 years of experience in home financing. As a Senior Vice President of Production and top-producing loan officer at America’s #1 Retail Mortgage Lender, I’ve had the privilege of helping countless individuals and families achieve their homeownership dreams. I’ve consistently ranked among the top loan officers in the industry, closing over $1 billion in mortgages throughout my career.
Building strong relationships has always been at the heart of my business. I’m passionate about working with homebuyers, real estate professionals, builders, CPAs and wealth advisors to create opportunities and deliver exceptional service.
At CrossCountry Mortgage, we offer a wide variety of financing options. These include:
· Conventional loans
· Jumbo loans
· VA loans
· FHA loans
· USDA loans
· Non-Qualified Mortgages
· First-time homebuyer programs
· Down payment assistance programs
Whether you’re a first-time homebuyer, a long-time investor or a high-net-worth individual, I’m here to help you navigate the path to homeownership with confidence.
Tammy’s testimonials
Guides and resources
My social posts
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.