Pamela Spencer - CrossCountry Mortgage

Pamela Spencer - CrossCountry Mortgage

CrossCountry Mortgage, LLC offers a variety of home purchase loans and refinance options for your unique needs.

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Timeline Photos 01/26/2021

You work hard for your money, you want to buy a home, and you need a mortgage. But wait. You’re self-employed. Can you get a home loan? Yes! Our Signature 1099 Loan and our Signature Bank Statement Program are designed for borrowers like you. Read more about them and our other exclusive Signature Series Loans. https://bit.ly/3iPqgLJ

You work hard for your money, you want to buy a home, and you need a mortgage. But wait. You’re self-employed. Can you get a home loan? Yes! Our Signature 1099 Loan and our Signature Bank Statement Program are designed for borrowers like you. Read more about them and our other exclusive Signature Series Loans. https://bit.ly/3iPqgLJ

Timeline Photos 01/23/2021

Found a fixer-upper? An FHA 203(k) Standard Loan could be a more affordable solution to finance repairs than home equity lines of credit, credit cards or personal loans. https://bit.ly/3sPP1f4

Found a fixer-upper? An FHA 203(k) Standard Loan could be a more affordable solution to finance repairs than home equity lines of credit, credit cards or personal loans. https://bit.ly/3sPP1f4

Timeline Photos 01/18/2021

On January 18, we celebrate the life and legacy of Dr. Martin Luther King, Jr.: pastor, civil rights leader, advocate of nonviolence. His words are as meaningful today as they were more than 50 years ago. Let’s take a moment today to remember, “The time is always right to do what is right.”

On January 18, we celebrate the life and legacy of Dr. Martin Luther King, Jr.: pastor, civil rights leader, advocate of nonviolence. His words are as meaningful today as they were more than 50 years ago. Let’s take a moment today to remember, “The time is always right to do what is right.”

Timeline Photos 01/15/2021

It takes more than knowing your monthly payment to answer this question. This calculator will help you w**d through the fees, taxes and monthly payment comparison to help you make the best decision. https://bit.ly/2LQL0WQ

It takes more than knowing your monthly payment to answer this question. This calculator will help you w**d through the fees, taxes and monthly payment comparison to help you make the best decision. https://bit.ly/2LQL0WQ

Timeline Photos 01/11/2021

No one needs to tell you buying your first home is a big deal. That’s why it’s important to create a sound budget with help from a few key people who know the ins and outs of homeownership. https://bit.ly/3boK5aW

No one needs to tell you buying your first home is a big deal. That’s why it’s important to create a sound budget with help from a few key people who know the ins and outs of homeownership. https://bit.ly/3boK5aW

Shopping Around For A Home Loan | CrossCountry Mortgage 01/07/2021

Shopping Around For A Home Loan | CrossCountry Mortgage

Buying a home is one of the most important purchasing decisions you’ll ever make. As with any large investment, it’s smart to compare as many mortgage products and lenders as possible. https://bit.ly/3pYyeUV

Shopping Around For A Home Loan | CrossCountry Mortgage Shopping around for a mortgage loan? Click here to read more about having a second opinion by getting a pre-approval through CrossCountry Mortgage, Inc.

Timeline Photos 01/05/2021

You’ve applied for a new home loan or have decided to refinance your existing mortgage. Congratulations! Now all you have to do is wait, right? Not quite. Find out how you can keep the process moving along smoothly. https://bit.ly/3q3Suor

You’ve applied for a new home loan or have decided to refinance your existing mortgage. Congratulations! Now all you have to do is wait, right? Not quite. Find out how you can keep the process moving along smoothly. https://bit.ly/3q3Suor

Timeline Photos 01/01/2021

Last year, we all found incredible strength, adaptability, and resilience within ourselves. Now let’s look forward to a brighter future than we could have ever hoped for! Happy New Year from CCM!

Last year, we all found incredible strength, adaptability, and resilience within ourselves. Now let’s look forward to a brighter future than we could have ever hoped for! Happy New Year from CCM!

Timeline Photos 12/28/2020

Are you in need of additional funds? An FHA Cash-Out Refinance offers several significant benefits, including the ability to borrow more than you currently owe on your home. https://bit.ly/2JvZXNm

Are you in need of additional funds? An FHA Cash-Out Refinance offers several significant benefits, including the ability to borrow more than you currently owe on your home. https://bit.ly/2JvZXNm

Timeline Photos 12/25/2020

It’s always exciting to unwrap presents, but nothing makes us smile more than the joy our loved ones bring to our hearts. Happy Holidays from the CCM family to yours!

It’s always exciting to unwrap presents, but nothing makes us smile more than the joy our loved ones bring to our hearts. Happy Holidays from the CCM family to yours!

Closing on Your Home Loan | CrossCountry Mortgage 12/20/2020

Closing on Your Home Loan | CrossCountry Mortgage

When you’re finally reaching the finish line during the homebuying process, it’s important to be ready! Here is what you should expect when you close on a home. https://bit.ly/34sKapS

Closing on Your Home Loan | CrossCountry Mortgage Your mortgage journey comes to an end on closing day. Here is what should you expect and how can you prepare to move in to your dream home.

Questions About Mortgage Refinancing | CrossCountry Mortgage 12/17/2020

Questions About Mortgage Refinancing | CrossCountry Mortgage

The decision to refinance your mortgage usually leads back to achieving your financial goals. That's why it’s important to consider all of the available options and ask yourself these questions. https://bit.ly/2WrJ1ui

Questions About Mortgage Refinancing | CrossCountry Mortgage It’s important to consider all of the available home loan refinance programs so you can pick the refinancing option that best suits your specific needs.

Timeline Photos 12/14/2020

Getting your documents together is the first step of the mortgage process. Here’s a checklist of everything you need to apply for a home loan, followed by details about the other five steps of the process. https://bit.ly/2WgRPCW

Getting your documents together is the first step of the mortgage process. Here’s a checklist of everything you need to apply for a home loan, followed by details about the other five steps of the process. https://bit.ly/2WgRPCW

Timeline Photos 12/12/2020

Whether you’re shopping on Amazon or deciding what to have delivered for dinner from DoorDash, it’s good to have choices. It’s even better when you’re considering a mortgage. https://bit.ly/3qKxqo1

Whether you’re shopping on Amazon or deciding what to have delivered for dinner from DoorDash, it’s good to have choices. It’s even better when you’re considering a mortgage. https://bit.ly/3qKxqo1

Timeline Photos 12/10/2020

Following last month’s announcement of higher conforming loan limits for next year, the Federal Housing Administration has set new 2021 limits for FHA loans as well! What does this mean for homebuyers? They’ll have more home choices with a low down payment loan.

Read more: https://bit.ly/3gARx3a

Following last month’s announcement of higher conforming loan limits for next year, the Federal Housing Administration has set new 2021 limits for FHA loans as well! What does this mean for homebuyers? They’ll have more home choices with a low down payment loan.

Read more: https://bit.ly/3gARx3a

Smart Budgeting for Home Renovations | CrossCountry Mortgage 12/05/2020

Smart Budgeting for Home Renovations | CrossCountry Mortgage

Renovating your home is a big decision, so it’s important to set realistic expectations before getting started. Knowing yourself and your financial picture is the beginning of a stress-free experience. https://bit.ly/3lMnVB0

Smart Budgeting for Home Renovations | CrossCountry Mortgage Undergoing a home-improvement project is exciting but make sure you set realistic expectations and budget carefully to ensure smooth sailing.

Timeline Photos 11/30/2020

Owning a home should be easy for those who have served our country in the Military. VA loans do not require a down payment, and at CrossCountry Mortgage, the advantages don’t end there. We don’t put additional restrictions on our VA loans, and we work with borrowers who have lower credit scores and complex credit histories. Contact us today to get the mortgage benefits you deserve for your Military Service.

Owning a home should be easy for those who have served our country in the Military. VA loans do not require a down payment, and at CrossCountry Mortgage, the advantages don’t end there. We don’t put additional restrictions on our VA loans, and we work with borrowers who have lower credit scores and complex credit histories. Contact us today to get the mortgage benefits you deserve for your Military Service.

Financing a Fixer-Upper | CrossCountry Mortgage 11/28/2020

Financing a Fixer-Upper | CrossCountry Mortgage

DIY projects and renovations are a great solution when you want to create the home of your dreams. Find out if a fixer-upper is right for you! https://bit.ly/3mhwKUz

Financing a Fixer-Upper | CrossCountry Mortgage Find a diamond in the rough with fixer-uppers! Learn how you can prepare to renovate a fixer-upper and what kind of financing is best for you.

Timeline Photos 11/26/2020

As 2020 winds down and the holiday season begins, let’s all remember to be grateful for the good things in our lives. Happiest Thanksgiving from the CrossCountry Mortgage family to yours!

As 2020 winds down and the holiday season begins, let’s all remember to be grateful for the good things in our lives. Happiest Thanksgiving from the CrossCountry Mortgage family to yours!

Timeline Photos 11/20/2020

Serving your country in the Military gives you advantages when it’s time to buy a home. Unlike conventional loans, VA loans offer up to 100% financing with no mortgage insurance, no loan limits, and limited closing costs. Contact us today to get the mortgage benefits you deserve for your Military Service. https://bit.ly/36SySeX

Serving your country in the Military gives you advantages when it’s time to buy a home. Unlike conventional loans, VA loans offer up to 100% financing with no mortgage insurance, no loan limits, and limited closing costs. Contact us today to get the mortgage benefits you deserve for your Military Service. https://bit.ly/36SySeX

It's A Seller's Market | Fast Track Credit Approval | Your Mortgage 11/19/2020

It's A Seller's Market | Fast Track Credit Approval | Your Mortgage

Buying a home is fun, exciting and validating. It can also become a competition when there are more buyers than sellers. In a market with a tight housing inventory, we have the best solution. https://bit.ly/38XPMLz

It's A Seller's Market | Fast Track Credit Approval | Your Mortgage Give yourself the competitive edge you need to buy the home you want — before someone else does. Click to read more.

How To Buy A Home & Hang Onto Your Cash | CrossCountry Mortgage 11/14/2020

How To Buy A Home & Hang Onto Your Cash | CrossCountry Mortgage

There are several loan programs that not only have lower down payment requirements, but also give you options regarding your closing costs. Learn more about three of them. https://bit.ly/3lwWRX5

How To Buy A Home & Hang Onto Your Cash | CrossCountry Mortgage There are two major out-of-pocket costs that are due at closing — the down payment and closing costs. Learn more about out of pocket costs here.

Timeline Photos 11/11/2020

We are taking the time today to honor those who have selflessly served our country in the Military. Our heartfelt gratitude goes out to all Veterans and Active-Duty Members of our Armed Forces and Reserves.

We are taking the time today to honor those who have selflessly served our country in the Military. Our heartfelt gratitude goes out to all Veterans and Active-Duty Members of our Armed Forces and Reserves.

Timeline Photos 11/06/2020

Everyone should be able to take advantage of historically low mortgage rates — especially veterans. With a VA Interest Rate Reduction Refinance Loan (IRRRL), also known as a VA Streamline Refinance, you can reduce your monthly payments with no appraisal or underwriting required, and your loan fees can be financed or waived. Contact us today to get the mortgage benefits you deserve for your service.

Everyone should be able to take advantage of historically low mortgage rates — especially veterans. With a VA Interest Rate Reduction Refinance Loan (IRRRL), also known as a VA Streamline Refinance, you can reduce your monthly payments with no appraisal or underwriting required, and your loan fees can be financed or waived. Contact us today to get the mortgage benefits you deserve for your service.

Timeline Photos 11/01/2020

Sleep in, get a head start on errands, or catch up on your most binge-worthy show. Whichever way you spend the extra hour, we hope you’re able to maximize the time doing something you love!

Sleep in, get a head start on errands, or catch up on your most binge-worthy show. Whichever way you spend the extra hour, we hope you’re able to maximize the time doing something you love!

Timeline Photos 10/31/2020

There’s no better way to spend a fall weekend than indulging in the annual celebration of ghouls, goblins, costumes, and candy! We hope your Halloween is safe, fun, and full of treats!

There’s no better way to spend a fall weekend than indulging in the annual celebration of ghouls, goblins, costumes, and candy! We hope your Halloween is safe, fun, and full of treats!

Timeline Photos 10/28/2020

Finding the best vendors to achieve the home renovation of your dreams is straightforward and simple: Talk to them, talk to the people you know and see what they’ve done in the past. https://bit.ly/31QzakS

Finding the best vendors to achieve the home renovation of your dreams is straightforward and simple: Talk to them, talk to the people you know and see what they’ve done in the past. https://bit.ly/31QzakS

Timeline Photos 10/24/2020

Easy requirements, outstanding benefits. Our new FHA loan program includes a grant you can use toward your down payment and/or closing costs. https://bit.ly/35uRpgr

Easy requirements, outstanding benefits. Our new FHA loan program includes a grant you can use toward your down payment and/or closing costs. https://bit.ly/35uRpgr

Timeline Photos 10/21/2020

Getting mysterious phone calls is scary. Hearing nothing from your mortgage lender is scarier. Find out why communication is everything during the home loan process. https://bit.ly/34fYHVV

Getting mysterious phone calls is scary. Hearing nothing from your mortgage lender is scarier. Find out why communication is everything during the home loan process. https://bit.ly/34fYHVV

Myths & Realities of HECM Loans I CrossCountry Mortgage, Inc. 10/17/2020

Myths & Realities of HECM Loans I CrossCountry Mortgage, Inc.

One of the biggest misconceptions about a Home Equity Conversion Mortgage is that the lender owns your home. It’s one of 5 HECM myths that get a dose of reality in this article. https://bit.ly/357tymX

Myths & Realities of HECM Loans I CrossCountry Mortgage, Inc. Do you know about HECM loans? Explore the myths and realities of HECM loan products and find out how to apply. Read more today!

Timeline Photos 10/16/2020

Your living space is doing double duty. Make it work for you by creating the office you need in the home you love. Check out our ideas for projects and how you can finance them. https://bit.ly/37dldkh

Your living space is doing double duty. Make it work for you by creating the office you need in the home you love. Check out our ideas for projects and how you can finance them. https://bit.ly/37dldkh

Timeline Photos 10/10/2020

Is working from home your new reality? Time to create the home office you deserve! Here are some inspiring ideas and financing options to get you started. https://bit.ly/2IkC7Dn

Is working from home your new reality? Time to create the home office you deserve! Here are some inspiring ideas and financing options to get you started. https://bit.ly/2IkC7Dn

Timeline Photos 10/07/2020

Cruise through your homebuying journey quickly and efficiently by avoiding these major roadblocks! We can help you navigate the mortgage process and get to your closing destination. Get started at https://bit.ly/2GyAxgs

Cruise through your homebuying journey quickly and efficiently by avoiding these major roadblocks! We can help you navigate the mortgage process and get to your closing destination. Get started at https://bit.ly/2GyAxgs

Timeline Photos 10/03/2020

Once your loan is closed, you’ll start receiving snail mail offers for services you didn’t ask for and may not want. We don’t sell your information, but when your deed is recorded, certain items become public record. The good news is, there are ways you can opt out! Call or email us for more details.

Once your loan is closed, you’ll start receiving snail mail offers for services you didn’t ask for and may not want. We don’t sell your information, but when your deed is recorded, certain items become public record. The good news is, there are ways you can opt out! Call or email us for more details.

Timeline Photos 09/30/2020

Now even more homebuyers can qualify for a mortgage with our new proprietary products! We have lower down payment and credit score requirements as well as higher loan limits for our Asset Qualifier and Bank Statement programs. We’ve also added programs that allow you to qualify with your 1099s and investor cash flow. Contact us for more details or to get started on the road to homeownership!

Now even more homebuyers can qualify for a mortgage with our new proprietary products! We have lower down payment and credit score requirements as well as higher loan limits for our Asset Qualifier and Bank Statement programs. We’ve also added programs that allow you to qualify with your 1099s and investor cash flow. Contact us for more details or to get started on the road to homeownership!

Fully Committed to You!

Personal NMLS1280903 - Branch NMLS1815642 - Company NMLS3029

Soon after graduating college and starting a career, I got married, and spent the next 20 years raising my children. As a stay at home mom, I did a lot of volunteer work and fundraising, which I loved and found very rewarding. I decided to obtain a master’s degree in public administration with a specialty in nonprofit management to help me with this endeavor. What I discovered was Americans as they aged were struggling with the economic pressures of life. It is amazing how many senior home owners still have mortgages. For the past few years I have had the privilege to work with and assist home owner’s and home buyers with residential home loans. I have worked on numerous transactions that have included the purchase of new homes, downsizing, refinancing with a specialization in assisting seniors with reverse mortgages and even reverse purchases.

I am Licensed in Florida New Jersey and New York (NMLS ID:1280903).

Cross Country Mortgage is registered with the Nationwide Mortgage Licensing System NMLS ID 3029 Cross Country is an FHA (Federal Housing Administration), VA (Veteran’s Affairs) and USDA (United States Department of Agricultural) approved lender; Cross Country Mortgage is not affiliated with or part of any government agency.

Videos (show all)

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Telephone

Address


270 Spagnoli Road Suite 101
Melville, NY
11747
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