Janine Iuliano-CrossCountry Mortgage

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Janine Iuliano-CrossCountry Mortgage 🏆 Scotsman Guide Top Originator 2026
🏘️ Sr.

Loan Officer @ CrossCountry Mortgage
📓 NMLS217680 NMLS3029
📲 847.553.7196
📧 [email protected]
📍 Licensed in FL, IL, IN, MI & WI
Equal Housing Opportunity
NmlsConsumerAccess.org Janine has been thriving in the Mortgage Industry since 1998 and has worn a variety of, "hats" including Title and Account Management, Processing, Sales support and Office Management, up until 2007, when she brought all o

f these skills and experiences together and made the leap into Mortgage Loan Origination. Janine's exuberant personality, persistence and impeccable attention to detail represents an unusual combination of traits that makes her the best at what she does. Janine's passion for maintaining great, lifelong relationships has led her to help hundreds in her community to reach their goal of home ownership and most consider her more of a friend than simply the mortgage professional who helped them obtain a loan. Janine's drive and energy is derived from her love of remaining physically fit and exploring all that a healthy lifestyle can offer, such as skiing, yoga, meditation, lifting weights, enjoying the outdoors and being a dedicated giver to her community. Janine considers herself to be a, "Lifer" in the Mortgage Industry with a goal of leaving a legacy of secure and satisfied home owners and a community that is, some degree even better, due to her direct involvement and positive impact.

CrossCountry Mortgage just moved the goalposts forward 🤩Conventional loan limits won’t change until January 2027, but we...
11/09/2026

CrossCountry Mortgage just moved the goalposts forward 🤩

Conventional loan limits won’t change until January 2027, but we’ll honor higher projected loan limits NOW: Up to $845,000 for a 1-unit property (an increase of $12,250)!

Finance a higher-priced home without the requirements of a jumbo loan...that's your buying power TODAY, without waiting for 2027. 🏘️

Reach out and ask me if Early Bird changes your number!

Never forget❤️🤍💙 Remembering the lives lost and honoring the heroes. 🙏
11/09/2026

Never forget❤️🤍💙 Remembering the lives lost and honoring the heroes. 🙏

I read a whole article of decluttering tips from professional organizers, and every one of them agreed on the most borin...
11/09/2026

I read a whole article of decluttering tips from professional organizers, and every one of them agreed on the most boring advice imaginable: make a plan first. 🙃...not what I wanted to hear, either. 😂 Most of us go straight to dumping the entire closet onto the bed, then get overwhelmed halfway through and shove it all back in. A plan is really just picking one small area, setting a twenty minute timer, and walking away when it goes off.

And the rest of the list is where it got good: the 2-for-1 rule (buy one thing, donate two), and under bed storage and vacuum bags for winter bedding? NEED to do this!

Swipe for all eight, and save this for the next time you open the hall closet and immediately close it again.

Okay, what's the one spot in YOUR house you keep avoiding? 👀

Some stories hit a little different 🥹🏡Today, I’m celebrating one of my amazing first-time homebuyers who made a BIG move...
10/09/2026

Some stories hit a little different 🥹🏡

Today, I’m celebrating one of my amazing first-time homebuyers who made a BIG move toward her dream of homeownership.

She used funds from her retirement to help make her dream of buying a home a reality, paired with a minimal down payment. And the best part? This wasn’t just any home…

It was dream home she remembers wanting when she was a little girl. 🥹✨ she used to drive by it and say I want to live here and today she does!

To now be standing in a home that once only existed in her childhood dreams is something pretty special.

There are so many different paths to homeownership, and sometimes the path doesn’t look exactly like what we originally imagined. But with the right plan, guidance, and team behind you, what feels impossible can become possible.

Congratulations on your beautiful FIRST HOME! 🏡❤️ We are so incredibly happy for you and grateful we got to be part of your journey.
Thank you to our awesome financial advisors for the referral and it was great working with all of the agents.

This is why I love what I do. Helping people turn “someday” into today. ✨ 🔑🏡❤️

One of these is an opinion, and the other is a plan..☑️ Pre-qualified means you told a lender about your income, your de...
10/09/2026

One of these is an opinion, and the other is a plan..

☑️ Pre-qualified means you told a lender about your income, your debts and your savings, and they did some quick math on what you said. No documents sent in, and nobody officially checked or verified anything.

✅️ Pre-approval means somebody actually looked: pay stubs, W-2s, bank statements, tax returns, a soft credit pull...real paperwork, reviewed by a real person.

Here's where it matters (and it's not the way people expect!) A listing agent gets multiple offers on a Sunday night. They're not reading your letter closely- they're scanning it for whether you look like a buyer who closes or a buyer who falls apart in week three. A pre-qualification reads like a guess, while a pre-approval reads like somebody already did the hard work.

In a market where you might get one shot at the right house, that's not a technicality...That's your offer. DM me if you're not sure which one you're holding!

Buying Before Selling — Yes, It’s Possible!One of the biggest myths in real estate? “You can’t buy your next home until ...
09/09/2026

Buying Before Selling — Yes, It’s Possible!
One of the biggest myths in real estate? “You can’t buy your next home until your current one sells.”
Not true! I just helped a client do exactly that — purchasing their new home with only 5% down while still owning their current property.
Here’s how it worked:
✅ Qualified for the new purchase while carrying both homes
✅ Closed with just 5% down — keeping more cash in pocket
✅ Once the current home sells, we’ll do a loan recast — applying the proceeds to pay down the new mortgage and lower the monthly payment (no refinance needed!)
This strategy gave my client the flexibility to move on their timeline instead of being stuck waiting for their old home to sell first.
📲 Thinking about buying before you sell? Let’s talk through your options — there’s more flexibility out there than most people realize.

Beth used the word soulful to describe a refinance and I did not see that coming! 🥹 Her file had a few unusual turns in ...
08/09/2026

Beth used the word soulful to describe a refinance and I did not see that coming! 🥹 Her file had a few unusual turns in it, but what she wrote is that her interests stayed protected while the problems got solved. Those two can absolutely pull against each other once a file gets complicated and there's pressure to just make the thing close.

A refinance should feel boring, and when it can't be boring, it should at least feel like somebody is sitting on your side of the table. Thank you for being so awesome, Beth 💛

If your own refinance has a weird wrinkle in it and you've been assuming that makes it a no, DM me!

Happy Labor Day! 🎉 Markets are closed today, so the economic news that moves mortgage rates all shows up Thursday and Fr...
07/09/2026

Happy Labor Day! 🎉 Markets are closed today, so the economic news that moves mortgage rates all shows up Thursday and Friday.

Thurs - August Producer Price Index
Fri - August Consumer Price Index and consumer sentiment

Here's the scoop: the Fed meets September 15-16. Governor Waller said last week he'd support keeping rates where they are, as long as inflation doesn't come in hot. Friday's CPI is the last inflation report before that meeting, so it's the one everyone on Wall Street is circling on their calendar. 👀

Now the part I really want Joliet, New Lenox, Mokena, and Frankfort buyers to hear. Chicago-area pending sales are actually up 2.9% from last year, even while sales are slowing nationally. Our market is moving! If you find a house you love this week, don't focus on the rate, focus on the payment.

DM me the listing and I'll send you the real payment! 🏡

Happy Labor Day - or as I like to call it - 😉 I hope today looks like sleeping in, something good on the grill, binge ...
07/09/2026

Happy Labor Day - or as I like to call it - 😉 I hope today looks like sleeping in, something good on the grill, binge watching your favorite TV show, and absolutely NO productivity whatsoever.

But you know me...I'm here if you want to chat about homes, loans, or anything else!

Address

310 N Ottawa Street

60432

Opening Hours

Monday 08:00 - 21:00
Tuesday 08:00 - 21:00
Wednesday 08:00 - 21:00
Thursday 08:00 - 21:00
Friday 08:00 - 21:00
Saturday 08:00 - 21:00
Sunday 08:00 - 21:00

Telephone

847-553-7196

Website

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