Carbon Team – BK
Your Future Our Focus
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- Purchase
- Refinance
We’ll be with you every step of the way
In its early stages, The Carbon Team was only made up of four friends. After years of hard work and determination, we’ve grown to over 100 mortgage professionals. To get where we are now, we’ve built an environment in which our team can learn and thrive off each other. We understand that to make our clients happy and satisfied with their service, they have to work together respectfully and humbly.
The Carbon Team’s success is in our numbers. In 2022 alone, we successfully closed over $1.3 billion in loans and guided countless families into their dream homes. Our ultimate goal is to get to $2 billion in home financing in the near future.
Outside of mortgages, we host a fundraiser every year for different charities and have been successful at raising life-changing amounts for each local community we serve.
Above all, The Carbon Team works with integrity, empathy, and insurmountable knowledge about the mortgage process, bringing the human element to the game, time and time again.
Contact
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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.
Meet our team
Peter Lucia
- Senior Vice President
- NMLS #157015
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
Gil Ledany
- Senior Loan Officer
- NMLS #1081552
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 201-921-3455
- tel 917-423-6640
- fax 908-721-5870
Stan Aleshin
- Senior Loan Officer
- NMLS #1172098
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 646-573-1222
- tel 347-344-6194
- fax 914-984-5048
Rob London
- Senior Loan Officer
- NMLS #129005
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 914-573-2137
- tel 347-308-6487
- fax 347-308-6487
Rick Martino
- Senior Loan Officer
- NMLS #129176
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 917-751-9656
- tel 347-269-1662
- fax 914-984-5048
Ron Liu
- Vice President of Lending
- NMLS #1408668
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 347-255-2276
- tel 347-328-8270
- fax 929-822-7610
Joshua Maldonado
- Loan Officer
- NMLS #1503563
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 347-632-8337
Sam Mogavero
- Mortgage Advisor
- NMLS #2040519
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 516-690-3473
- tel 347-329-1965
Scott Nadler
- Vice President of Lending
- NMLS #385124
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 973-769-8180
- tel 347-329-4522
- fax 347-329-4522
Jarek Kwiatkowski
- Senior Loan Officer
- NMLS #404413
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 917-716-6129
- tel 917-512-9335
- fax 917-512-9335
Barry Koven
- Originating Branch Manager
- NMLS #404510
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 917-597-1330
- tel 917-410-6801
- fax 917-410-6801
Jenny Zheng
- VP of Mortgage Lending
- NMLS #410187
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 718-607-7822
Marsha Morency
- Mortgage Loan Originator
- NMLS #418894
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 646-773-5200
- tel 347-201-4752
- fax 914-984-5048
Jacob Letowsky
- Senior Loan Officer
- NMLS #460195
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 917-902-6996
- tel 914-361-4533
- fax 914-984-5048
Robert Raush
- Vice President
- NMLS #61670
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 917-922-9600
- tel 347-308-6595
- fax 914-984-5048
David Ostrowsky
- Senior Loan Officer
- NMLS #67388
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 646-708-5048
- tel 917-277-6663
- fax 914-984-5048
Scott Bonora
- Senior Vice President
- NMLS #67411
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 347-803-9047
- tel 347-329-1984
- fax 347-329-1984
Michael Bomparola
- Sr. Loan Officer
- NMLS #685473
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
Gary Tamboer
- Divisional Sales Manager
- NMLS #726465
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 973-222-5884
- tel 929-419-5030
- fax 914-984-5048
John Gnisci
- Senior Vice President
- NMLS #727328
- 37 N 15th St
- Ste 108
- Brooklyn, NY 11222
- [email protected]
- mobile 201-394-6281
- tel 929-512-5684
- fax 914-984-5048
Giovanni Narvaez
- Senior Loan Officer
- NMLS #887982
- 7284 West Palmetto Park Rd
- Ste 110-S
- Boca Raton, FL 33433
- [email protected]
- mobile 646-996-0096
- tel 561-576-8228
- fax 561-576-8228
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Frequently asked questions
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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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To determine how much home you can afford, you’ll want to assess your financial situation. This includes your income, expenses, and debt-to-income ratio, to ensure your mortgage fits comfortably within your budget. A general guideline is to spend no more than 28% of your gross monthly income on housing costs and 36% on total debt.
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A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.
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A Home Equity Line of Credit (HELOC) is a revolving line of credit that allows homeowners to borrow against the equity in their home. HELOCs function like a credit card, giving access to funds up to a set limit, which can be used for expenses like renovations or debt consolidation. You only pay interest on the amount you borrow, and the repayment terms typically include a draw period followed by a repayment period.
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To calculate your mortgage payments, start with your loan amount, interest rate, and loan term. Your payment will depend on the interest charged over time and the repayment schedule. You can use a monthly mortgage payment calculator or connect with us to learn more.