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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
Your Local CrossCountry Mortgage Loan Officer
Eric LaVecchia
- Senior Loan Officer
- Moorestown, NJ Mortgage Loan Officer
- NMLS # 995264
I’ll be with you every step of the way
Hello! My name is Eric LaVecchia, and I’m a senior loan officer at our Moorestown, NJ branch. With personal service and the support of America’s #1 Retail Mortgage Lender, I’ll help you find the right mortgage solution.
I joined the mortgage industry in 1996 directly after finishing college. I’ve always loved banks and thought this would be a great career for me. I offer a wide range of products, including conventional, VA and FHA loans. I also have plenty of experience with Non-QM loans.
I cannot rest if there is an issue holding up a loan until I find a way to negotiate a solution. I truly do not want to disappoint people and give 100% effort to each and every client through closing and beyond.
On a personal note, I’m a husband and dad to three great kids and 2 dogs. In my free time, my family and I like to be active in our church community. I also enjoy golf, fishing and anything outdoors!
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How much will your mortgage payment be?
Enter the basic loan terms (and additional information if you wish) to calculate your monthly mortgage payment and see a breakdown by category.
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.