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"Lawrence's outstanding service helps me and my clients. From the simplest mortgage to the most difficult loan, Lawrence has completed the task. He is a true professional."

Anthony DeGregorio Jr., CFP®

"Buying a home - the amount of time and money you're investing - can be scary. Nick breaks it all down into an easy and understandable format. He's very professional and upfront."

Jeremy Starkweather

"I've referred at least half a dozen co-workers and friends to Lawrence, and that says a lot. I think the world of Lawrence - his advice and insight is excellent."

Paul Hidar

"Nick's at the top of his game. Working with him and Team Montani made my first home-buying experience hassle free. I already recommended him to other family and friends."

Mike Devlin

"I'm a real estate investor, and I worked with Lawrence to buy an investment property. He came up with an idea that saved me a substantial amount of money."

Garrett Henderson

"My clients all love Nick Rosetti from Team Montani. He makes them feel like they're his only clients. He takes the time to speak with everyone and gets to know their situation. He really cares!"

Angela Georgalas, Realtor

"Nick Rosetti is the only mortgage professional I frequently recommend. My siblings, parents, and most of my friends have used or are using Nick."

Mike Emmert, Title Agent

"I was so impressed by Lawrence I knew there was no need to shop around. He's so knowledgeable, he's more like a financial advisor, helping you do or afford things you never dreamed were possible."

Paula Mako

"I refinanced my house and bought a vacation home in the last month. Working with Nick Rosetti was great! It was a complex situation, and he made me feel very comfortable."

Nicole Newman

"Nick is great. He keeps me up to date on the clients we have in common. He's quick to respond and always stays in communication."

Mary Alice Goss

The Mortgage Process

Home > The Mortgage Process

Follow These Four Easy Steps and You Will be on Your Way to Owning Your New Dream Home.


Step 1

Consult Our Professionals

Get the mortgage you need for your dream home by using the industry leaders and service professionals you deserve. As the area’s leading mortgage banker for nearly two decades, CrossCountry Mortgage, Inc. looks forward to providing you the information to feel comfortable and confident about obtaining the right mortgage for you. Our consultative professionals are here to guide you through this process, with a focus on education and information. Call us today at (732) 455-8990.

Before your mortgage planner arrives at your home or office for your first meeting, you’ll receive a comprehensive information packet to help you feel confident and prepared. You’ll know which documents you should have handy, such as income tax forms, pay stubs, and current statements from your bank and broker. When we sit down to discuss your loan, you’ll find that we ask lots of questions other lenders might not — about your lifestyle, your family, and your overall financial situation. Together, we’ll review your credit report, looking for any discrepancies that should be corrected. We’ll also start the pre-approval process, to give you maximum clout with sellers.

To further our commitment to serving our customers, CrossCountry Mortgage, Inc. and Team Montani presents a free seminar each month to educate prospective home buyers on the often confusing and overwhelming process. Learn more about The Home Buyer Seminar.


Step 2

Complete the Online Application

When you get pre-qualified, it not only saves time but also shows any potential lender or seller your buying power. Team Montani, a part of CrossCountry Mortgage, Inc., has established itself as a pillar of excellence in the mortgage industry. We have built a platform for a seamless and stress-free mortgage process for all of our customers. Whether you’re a first-time buyer or an experienced homeowner, you’ll find CrossCountry Mortgage, Inc.’s approach to mortgages very different than most lenders. We aim to make the mortgage process easy! Apply Now »


Step 3

Choose Your Loan

Not sure what loan is right for you? Not a problem. That’s where our nearly 30 years of experience comes in handy! Whether you’re looking for a Fixed or Adjustable Rate loan, CrossCountry Mortgage, Inc. is your go-to resource for professional guidance throughout the mortgage process. We work with you to look at the individual features of specific loan types to determine which one will best meet your needs and goals. Get answers from mortgage professionals »


Step 4

Get Your Mortgage

Approved customers are issued a “Letter of Approval”, which serves as documentation for the realtor and seller once you’ve found a property to purchase. Appraisals and title work are completed, your closing is scheduled, and there’s just one thing left to do — start enjoying your new home. Simple, cost effective, and fast!