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235 Main Street, Suite 410 White Plains, NY 10601 Mobile (914) 760-3486 Tel (607) 233-4447 [email protected]
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- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
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- Purchase
- Refinance
Carl-John Lambiasi
- Senior Loan Officer
- White Plains, NY Mortgage Loan Officer
- NMLS #2223138
I’ll be with you every step of the way
Hi, I’m Carl-John, a trusted loan officer at our White Plains, NY branch with America’s #1 Retail Mortgage Lender. As a member of the financial and public safety sectors, I bring a unique blend of dedication, expertise, and community spirit to my role. With years of experience in the mortgage industry, I’ve built a reputation for excellence in customer service and responsiveness, ensuring every client gets personalized attention and support throughout their home financing journey.
I proudly serve my community as a professional fire lieutenant, a role that demands unwavering dedication, quick thinking, and leadership. Licensed in New York, New Jersey, Connecticut, and Florida, my dual roles reflect my deep-rooted commitment to impacting the financial well-being of individuals and families and ensuring the safety and security of our community. By leveraging my expertise in home financing and leadership in public service, I strive to empower others to build brighter futures for themselves and their loved ones.
Carl-John’s testimonials
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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.