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  • 68 35th Street, Suite C362 Brooklyn, NY 11232 Mobile (917) 757-6633 Tel (917) 757-6633 Debra.Shultz@ccm.com
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Your Local CrossCountry Mortgage Loan Officer

Debra Shultz

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  • VP of Lending
  • Brooklyn, NY Mortgage Loan Officer
  • NMLS #49302
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I’ll be with you every step of the way

Hi, I’m Debra, Vice President of Mortgage Lending at CrossCountry Mortgage with over 25 years of extensive experience in mortgage lending. As a Top 1% National Mortgage Originator, I specialize in residential mortgage financing for all property types, including single and multi-family residences, townhomes, condos, co-ops, new developments, and conversions. At the Brooklyn, NY branch of America’s #1 Retail Mortgage Lender, I’m known for finding the right solutions to achieve my clients’ goals..

Through CCM’s correspondent and broker channels, I have access to nearly every mortgage product on the market. This includes conforming and high balance loan sizes, jumbo and super jumbo loans, SONYMA (New York down payment assistance), FHA, VA, renovation, and even construction-to-permanent loans. I’m also frequently called upon to assist non-traditional borrowers with creative financing solutions—earning me the nickname #AbracaDebra. No matter your goal or situation, I’ll make mortgage magic happen.

My social posts

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Believe in your strength.
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May 30
While nearly half of buyers still settle in the suburbs, a rising number are buying in the big city. Whether your clients are looking for a downtown apartment or a rural escape, we’ve got loans for any locale....
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May 28
April saw a modest slowdown in existing-home sales, easing 0.5% from the previous month. As demand remains pent up, we’re your go-to partner when your buyers find opportunities in their market.
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May 27
Knowing your home’s equity gives you the power to make confident decisions. Ready to see yours? Use our calculator. Ready to tap into it? Get in touch.💰
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May 23
The average stay in a new home is 15 years, but a quarter of buyers are ready to live out the length of their mortgage — and then some.
Woman researching loan officers to find the right financing parter

Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

A family plays together peacefully knowing they found the best option to help them reach financial wellness.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Financial Wellness Can Be Yours

Imagine life without credit card debt, with medical expenses taken care of, or with extra funds to make large purchases. Peaceful, isn’t it? 

Our home equity programs can help you achieve that dream. These include: 

  • Closed End Second Loan 
  • Home Equity Line of Credit (HELOC) 
  • Cash-Out Refinance 

Your equity may be the key to greater financial wellness. Let’s see what doors our home loans can open for you today. 

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Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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Inspiration for your home loan journey

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Frequently asked questions

  • Refinancing costs typically range from 2% to 6% of the loan amount and include fees such as appraisal, title insurance, and closing costs. Factors like your loan type, location, and credit score can significantly impact these expenses. Our team can help to provide strategies that can help minimize costs.

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