Nandani Hardial, CrossCountry Mortgage

Nandani Hardial, CrossCountry Mortgage Better rates. Less stress. Fast closings. Real guidance—from start to finish.

www.ccm.com/nandani-hardial

Personal NMLS 2367091
Company NMLS 3029
Equal Housing Opportunity I'm Nandani—a dedicated mortgage loan originator committed to transforming the home financing experience. With every loan I close, my goal is simple: make the process smoother, faster, and more rewarding for you. I’ve built my business around transparency, speed, and better rates—because buying a home sh

ould be exciting, not overwhelming. From application to closing, I’m by your side to explain your options, advocate for your best rate, and ensure you're set up for success. Best of all, when you work with me, you get the confidence of knowing you're working with someone who prioritizes your needs—not just making a sale.

08/25/2026

He almost got it 😂

All jokes aside, market interest rates will likely not be 2% or 3% in the near future but there are lower rates on the rate sheet that cost points.

If you want to know what rates are today send me a DM and I’ll run a scenario for you

Nandani Hardial | NMLS #2367091
VP of Mortgage Lending | CrossCountry Mortgage
📲 (646) 363-9179
📧 [email protected]
🌐 www.ccm.com/nandani-hardial
Licensed in FL | CO | TX | MO | ND

08/24/2026

Lower monthly payment ✅
Less out of pocket at closing ✅

But are you paying more over time because of the higher purchase price?

If you put the $33 that you’d save toward your principal every month, you would shave years off the life of your loan and pay less in the end

Paying points to permanently lower your rate is one of the most under utilized hacks to lower your monthly payment

Every situation is different so it’s best to run the numbers and discuss with your loan officer first

Nandani Hardial | NMLS #2367091
VP of Mortgage Lending | CrossCountry Mortgage
📞 (646) 363-9179
📧 [email protected]
🌐 www.ccm.com/nandani-hardial

Licensed in: FL | CO | TX | MO | ND

08/24/2026

Your mortgage lender didn’t just run your credit and send you a preapproval letter.

They learned guidelines.
They learned income calculations, credit requirements, debt-to-income ratios, appraisals, underwriting, disclosures, loan programs, and how to structure a loan when the numbers don’t fit perfectly.

They built a business from scratch.

And most of the time?

They don’t get paid a dollar until the loan actually closes.

A great lender makes the mortgage process look easy because they’ve spent years learning how to handle the parts that aren’t.

Hi, I’m Nandani — pronounced Naaan-duh-knee. Welcome to my little corner.I’m a mom, I homeschool, and I help people buy ...
08/19/2026

Hi, I’m Nandani — pronounced Naaan-duh-knee. Welcome to my little corner.

I’m a mom, I homeschool, and I help people buy homes.

We live in Florida, and I bought my first home in 2025. I worked my butt off but I did it myself, and now I get to help other people figure out how to do it too.

When I’m not talking mortgages, you’ll usually find me in my backyard vegetable garden 🌱, at one of Florida’s beaches or springs, doing yoga or meditation, or in my kitchen cooking something from scratch. Yep… I even mill my own flour over here 😇

I’ve been in the mortgage industry for over five years. A huge part of that time was spent in the corporate mortgage world, where I closed a few hundred loans. It was WILD 🤪

But now, my business is different.

I’m focused on building my business, my brand, and most importantly, building relationships.

And if you want to work with me, getting started is ridiculously simple.

I’m one of those people who takes her phone absolutely everywhere. 😂 So the question usually isn’t whether I can move quickly — it’s whether you’re ready to move as quickly as I am.

Tell me you want to get preapproved and we’ll have a quick phone call → fill out the application → send me your docs → and I’m off to the races.

You can email me, DM me, call me, or go straight to my website and click Apply Now if you want to skip the initial chit-chat.

Whatever works for you.

So if you’re thinking about buying a home, refinancing, investing, or you just have a million mortgage questions…

I’m here. 🤍

—
Nandani Hardial | NMLS #2367091
VP of Mortgage Lending | CrossCountry Mortgage
📞 (646) 363-9179
📧 [email protected]
🌐 www.ccm.com/nandani-hardial
📍 Licensed in FL | CO | TX | MO | ND

08/19/2026

True story 😂 But all jokes aside, when it comes to mortgages, you should always get your advice from a licensed professional.

If you’re not sure what’s true and what’s not, send me a message. I’m happy to help! 🏡

Nandani Hardial | NMLS #2367091
VP of Mortgage Lending | CrossCountry Mortgage
📲 (646) 363-9179
📧 [email protected]
🌐 www.ccm.com/nandani-hardial
Licensed in FL | CO | TX | MO | ND

08/19/2026

Something interesting is happening in the housing market right now.

And if you’re waiting for mortgage rates to come down before buying, this is worth understanding.

Right now, the average 30-year mortgage rate is about 6.67%.

At the same time, 1 out of every 5 homes for sale had a price cut in July.

Home asking prices nationally are also down 2.4% from this time last year.

In plain English:

Sellers are having to compete for buyers right now.

And that’s important.

Because a buyer today may be able to negotiate something that was nearly impossible a few years ago:

A lower price.

Seller-paid closing costs.

Money toward buying down the interest rate.

Or sometimes a combination of those things.

But here’s what I think a lot of people miss when they say:

“I’m just going to wait until rates come down.”

If rates eventually drop, they don’t only drop for you.

They drop for everyone.

The people who stopped looking because the payment was too high?

Some of them can afford to start looking again.

The people sitting on the sidelines waiting for a better rate?

Some of them come back too.

And we’ve already seen how sensitive buyers are to changes in rates. Mortgage applications increased 3.6% in just one week in the latest report.

So yes.. a lower rate could give you a better monthly payment.

But it could also mean you’re shopping against more buyers and negotiating with sellers who don’t need to give as much away.

That’s the part nobody can see by looking at the interest rate alone.

So instead of asking:

“Should I buy now or wait for rates to come down?”

I’d ask a better question:

“What would I actually gain by waiting?”

Because that’s something we can put numbers to.

Take the house you’re considering today.

Calculate the payment.

Calculate what you could realistically negotiate from the seller.

Then compare that with what the same house would look like at a lower interest rate.

Maybe waiting saves you money.

Maybe today’s deal is actually better.

Either answer is fine.

But that’s a much better way to make a six-figure decision than trying to guess what mortgage rates will do next.

08/17/2026

Just checking you know 👀

If you’re buying a home, call your 401(k) company and ask:

“How much can I withdraw for a home purchase?” 🏡

Already have a 401(k) loan? Ask anyway. You may still have options.

And the best part? We don’t count the withdrawal toward your DTI. 🎉

Your 401(k) might be more helpful than you thought. 👀

08/15/2026

Your lender won’t tell you 🤫

But I will 😇

Save this for later ✉️

Nandani Hardial | NMLS #2367091
VP of Mortgage Lending | CrossCountry Mortgage
📲 (646) 363-9179
📧 [email protected]
🌐 www.ccm.com/nandani-hardial
Licensed: FL | CO | TX | MO | ND

08/15/2026

I want the best for you 😇🫶

When you’re ready to buy a home, here’s why I want to be your first call:

✨ Thorough preapprovals — so we’re not finding surprises at the last minute
📚 Hundreds of loans and experience with all kinds of scenarios
💰 Multiple loan options + down payment assistance programs
📲 Easy to reach — I actually answer my phone
🧩 If your situation is a little complicated, I’ll get creative
🤍 And I genuinely care. I’m not here to push you into a loan. I want what’s best for you.

Nandani Hardial | NMLS #2367091
VP of Mortgage Lending | CrossCountry Mortgage
📲 (646) 363-9179
📧 [email protected]
🌐 www.ccm.com/nandani-hardial
Licensed: FL | CO | TX | MO | ND

POV: you trusted this kid with your mortgage 🥹
08/15/2026

POV: you trusted this kid with your mortgage 🥹

Address

New York, NY

Telephone

+16463639179

Website

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