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Your Cranford, New Jersey mortgage experts

  • 14 Commerce Drive, Suite 400 Cranford, NJ 07016 Branch NMLS #1600235 Phone (908) 858-2097
    • monday: 8:00AM – 5:00PM
    • tuesday: 8:00AM – 5:00PM
    • wednesday: 8:00AM – 5:00PM
    • thursday: 8:00AM – 5:00PM
    • friday: 8:00AM – 5:00PM
    • 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.

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.

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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. 

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Meet our team

Justin Lieberman Photo
Branch Leader

Justin Lieberman

  • Senior Vice President
  • NMLS #17836
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Salvatore Ingui Photo

Salvatore Ingui

  • Outside Loan Originator
  • NMLS #70036
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Aplica Ya Visit My Website
Evan Kutner Photo

Evan Kutner

  • Vice President of Lending
  • NMLS #19441
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Nicole McCarthy Photo

Nicole McCarthy

  • Senior Mortgage Loan Originator
  • NMLS #63737
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Aplica Ya Visit My Website
Al Rapoport Photo

Al Rapoport

  • Senior Vice President
  • NMLS #60865
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Steven Yanurian Photo

Steven Yanurian

  • Loan Originator
  • NMLS #215286
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Evan Hilaire Photo

Evan Hilaire

  • Senior Outside Loan Officer
  • NMLS #18372
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Christopher Motroni Photo

Christopher Motroni

  • Outside Loan Originator
  • NMLS #1967374
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Jackie Nathan Photo

Jackie Nathan

  • Senior Loan Officer
  • NMLS #727939
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Aplica Ya Visit My Website
James McKenna Photo

James McKenna

  • Outside Loan Originator
  • NMLS #234353
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Daniel Meidan Photo

Daniel Meidan

  • Vice President of Mortgage Lending
  • NMLS #267617
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Vincent Miragliotta Photo

Vincent Miragliotta

  • Inside Loan Originator
  • NMLS #2057819
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Paul Carlucci Photo

Paul Carlucci

  • Loan Officer
  • NMLS #1561020
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Joseph Cassini Photo

Joseph Cassini

  • Senior Loan Officer
  • NMLS #626861
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Jordan Roth Photo

Jordan Roth

  • Senior Loan Officer
  • NMLS #64127
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website
Nathan Harary Photo

Nathan Harary

  • Loan Officer
  • NMLS #200182
  • 14 Commerce Drive
  • Suite 400
  • Cranford, NJ 07016
Apply Now Visit My Website

Our support staff

Alexis Ramirez

Alexis Ramirez

Loan Processor
Carolyn Aiello

Carolyn Aiello

Loan Processor
Carly Kutner

Carly Kutner

Branch Marketing Coordinator
Claudia Imbriale

Claudia Imbriale

Carbon CD Team Lead
Alexis Broxton

Alexis Broxton

Loan Processor / Loan Opener
Terri Sicilia

Terri Sicilia

Branch Operations Manager
Ross Bercun

Ross Bercun

Branch Business Development Manager
Jose Quito

Jose Quito

Client Relations Representative
Orlando Lopez

Orlando Lopez

Client Relations Representative
Gage Brain

Gage Brain

Client Relations Representative
Maria-Suzanne Melis

Maria-Suzanne Melis

Client Relations Representative
Aiden Ehlberg

Aiden Ehlberg

Client Relations Representative
Lisa Barrientes

Lisa Barrientes

Client Relations Representative
Rashad Moore

Rashad Moore

Client Relations Representative
Alesandra Ariza

Alesandra Ariza

Client Relations Representative
Nicholas Colombo

Nicholas Colombo

Client Relations Representative
Jacob Rapoport

Jacob Rapoport

Client Relations Representative
Mary Beach

Mary Beach

Client Relations Representative
Deomid Rapoport

Deomid Rapoport

Client Relations Representative
Tom Lore Jr

Tom Lore Jr

Client Relations Representative
Monica Moore

Monica Moore

Client Relations Representative
Raymund Sykes

Raymund Sykes

Client Relations Representative

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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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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.

    Learn more

  • 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. 

    Learn more
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