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.

02/24/2026

Hi, i’m Nandani Hardial your local mortgage lender. I may not be good at headstands, but I am good at mortgages and getting you the rates and service you deserve.
___

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

Licensed in FL | TX | CO | ND | MO

02/16/2026

Surprise! it wasn’t your credit score. It was your debt-to-income ratio.

Even with a score in the 500s–600s and no late payments, you may still be approvable.

High DTI? There are options:
• pay down debt
• increase your down payment
• adjust expectations

02/16/2026

I do wonder how they see me sometimes 🤷🏻‍♀️

02/15/2026

Please don’t lie about occupancy.

If you buy a home claiming it’s a primary residence but plan to rent it out immediately, that’s mortgage fr@ud.

Instead: you can buy with an FHA loan, live in it as your primary residence, and then rent it out after a year has passed.

02/13/2026

Don’t make these mistakes. Get your score up prior to applying for a loan for the best rates

02/11/2026

Business owners..
Your type of income can be tricky but luckily there are multiple options to get you approved if you wrote too much off on your taxes

02/11/2026

Rates matter. Humans matter more.

02/11/2026

VA loans are amazing, but there are a few things no one tells you upfront 👀

• 0% down doesn’t mean $0 to close — you still have closing costs (unless negotiated)
• You can buy again with VA if you have remaining entitlement (even if you already own a home)
• Multi-unit is allowed — up to 4 units, as long as you live in one
• Credit guidelines are flexible, but the payment still has to make sense
• VA appraisals are stricter about safety and livability (not cosmetic, but real issues)
• Spouse rules matter — married vs unmarried affects how the loan is structured

VA loans are one of the best benefits out there — but only if you use them correctly.

If you’re active duty, veteran, or buying with a VA loan soon, make sure you’re getting guidance, not just a rate quote.

Questions? Drop them below 👇

02/11/2026

I’m grateful that my mortgage business does well.
Not because I overpromise or overcompensate — but because I follow through.

The clients and realtors who work with me choose me because there’s trust.
Trust that I’ll be honest, that I’ll do what I say I’m going to do, and that I won’t put profit ahead of people.

Buying a home is a big deal. People are trusting me with something that really matters.
I take that responsibility seriously, and I don’t take it for granted.

My goal has never been to “win” deals.
It’s to serve people well — and I’m thankful for every client who puts that trust in me.

02/08/2026

A lot of banks will deny self-employed borrowers not because they don’t make enough money, but because 1099 income is harder to document and underwrite than a standard W-2 paycheck.

If you’re a creator, freelancer, or gig worker, there’s more than one way to qualify but the right option depends on how your income shows up on paper.

🔹 Traditional loans (tax returns)
Best when your income is cleanly documented and your write-offs aren’t aggressive. These typically offer the lowest rates.

🔹 Bank statement loans
Built for 1099 earners who make strong income but don’t show it after deductions. These use 12–24 months of deposits instead of tax returns.

The biggest mistake I see?
People accepting a denial without exploring additional paths and not reaching out to lenders who have more options.

02/08/2026

I was born hundreds of miles away, on a small island.

Coming to a new country wasn’t easy—but it shaped me. It taught me resilience, gratitude, and the value of doing things the right way, even when no one is watching.

Time passed. I grew.
And today, I’m grateful for the life I’ve built.

I carry where I came from into everything I do—with integrity, virtue, and love. 🤍

Address

New York, NY

Telephone

+16463639179

Website

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