Andrew Savoca Nmls#7155

Andrew Savoca Nmls#7155 My staff and I strive for 100% customer satisfaction”.

Personal NMLS # 7155
Branch NMLS # 1487417
Company NMLS # 3029
"Licensed Mortgage Banker – New York State Banking Department"
"Licensed by the New Jersey Department of Banking and Insurance" Andrew is a Branch Manager with CrossCountry Mortgage He has personally handled the mortgage needs from start to finish for more than 5000 clients in his 29 years of service. He has the experience and knowledg

e that places him among the elite within the mortgage industry by providing his clients with superior customer service, best loan match, and great low rates. “I take great pride in assisting my clients, to achieve their financial goals.

06/10/2026

Most people assume a mortgage is all about numbers.

For me, it started with a passion for understanding them.

🏡 Education. Guidance. Relationships. That's why I love what I do.

06/09/2026

🏖️ Thinking about buying a second home this summer?

A second home can be a great way to create memories, generate rental income, or simply have a place to escape and relax. But before you make a move, there are a few important things to consider:

✅ Your long-term goals – Is this primarily a vacation home, an investment property, or a future retirement destination?

✅ Budget beyond the mortgage – Don't forget about property taxes, insurance, maintenance, utilities, and potential HOA fees.

✅ Location matters – Consider accessibility, local amenities, seasonal demand, and future resale value.

✅ Financing options – Second homes often have different loan requirements than primary residences, so it's important to understand your options early.

✅ Usage plans – How often will you use the property, and will it fit your lifestyle for years to come?

The summer market can offer great opportunities, but the best decisions start with a solid plan. Understanding the numbers and expectations upfront can help you buy with confidence.

If you're considering a second home this summer, let's talk through your options and create a strategy that fits your goals.

06/05/2026

🏡 Want to Pay Off Your Mortgage Faster?

Many homeowners don't realize there are simple strategies that can help reduce the life of their loan and save thousands in interest over time.

Here are a few options to consider:

✅ Make extra principal payments each month
Even a small additional amount applied directly to principal can make a significant impact over the life of your loan.

✅ Switch to biweekly payments
By making half of your monthly payment every two weeks, you end up making one extra mortgage payment each year—which can help shorten your loan term.

✅ Consider refinancing to a shorter term
Depending on your goals and financial situation, refinancing from a 30-year mortgage to a 15- or 20-year term may help you build equity faster and pay off your home sooner.

Every homeowner's situation is different, but having a strategy can make a big difference.

If you'd like to explore ways to pay off your mortgage faster, let's have a conversation and see what options make sense for you.

06/03/2026

Denied by one lender? That doesn’t always mean you can’t buy a home.

If you've been told "no," it may be worth getting a second opinion. The right guidance can change the outcome.

🏡 Have questions about your home financing options? Let's talk.

06/02/2026

☀️ Why Summer Might Be the Best Time to Buy a Home

Many buyers assume summer is the most competitive time to purchase a home—and while inventory and activity often increase, that doesn't mean it's a bad time to buy.

In fact, summer can offer several advantages:

🏡 More homes to choose from
📅 Flexible moving schedules before the school year starts
🔍 More time to compare options and neighborhoods
🤝 Motivated sellers looking to close before fall
📈 The opportunity to start building equity sooner rather than later

Have questions about buying this summer? I'm always happy to help.

05/29/2026

I’m up early every morning reviewing paperwork, asking the right questions, and making sure every detail is covered upfront — because smooth closings don’t happen by accident.

https://crosscountrymortgage.pulse.ly/0xknozokhq

Andrew Savoca

05/27/2026

Not sure what an escrow account actually does? Here’s the simple breakdown 👇

An escrow account is where your property taxes and homeowners insurance are held and managed for you.

Have questions about how your payment is structured? Let’s walk through it together.
https://crosscountrymortgage.com/montvale-nj-3919/andrew-savoca/
Andrew Savoca

05/25/2026

Equity is the difference between what your home is worth and what you still owe on your mortgage. And every month, that equity can grow in two ways:
✔️ You’re paying down your loan balance
✔️ Your home may increase in value over time

That equity can become a powerful financial tool.
https://crosscountrymortgage.pulse.ly/nwdhe6ydq4

Andrew Savoca

05/23/2026

One of the biggest concerns borrowers have during the process is simple:
👉 “What happens next?”

That’s why communication matters.

05/22/2026

One of the advantages of homeownership that many buyers don’t realize is the potential tax benefit.

In many cases, the mortgage interest you pay and your real estate taxes may be deductible. There are also certain portions of your closing costs that could qualify for deductions when you purchase a home.

Every situation is different, which is why it’s important to speak with a qualified accountant or tax professional about your specific circumstances.

Homeownership isn’t just about having a place to live. It can also be part of a bigger long-term financial strategy. https://crosscountrymortgage.pulse.ly/9jwkzbyw14

Andrew Savoca

Address

102 Chestnut Ridge Road
Montvale, NJ
07645

Website

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