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Your Local CrossCountry Mortgage Reverse Loan Officer

Michael O’Connor

  • zillow logo
  • Regional Sales Manager
  • Hauppauge, NY Mortgage Loan Officer
  • NMLS #485921
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I’ll be with you every step of the way

Hi, I’m Michael O’Connor, regional sales manager and licensed loan originator at the Hauppauge, NY branch of America’s #1 Retail Mortgage Lender. For the past three decades, it has been my calling to specialize in reverse mortgages, one of the most misunderstood and versatile products in the industry. I’m proud to have helped thousands of homeowners and their families learn the benefits of reverse mortgages, allowing them to enjoy a more secure retirement.

I’ve shared my knowledge and insights on various platforms and esteemed publications, participating as a guest on personal finance programs and as a panelist on continuing education classes for legal and financial professionals. My dedication to my craft and the value I bring to my clients has not gone unnoticed.

My extensive experience and proven track record make me an invaluable asset and a cherished partner to homeowners (and their families and professional advisors) seeking a brighter financial future.

Ready to take the first step in learning if a reverse mortgage can help you live more comfortably and with greater financial security? Reach out to me and get answers to your questions with no pressure or obligation.

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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. 

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.
Retired woman enjoys a bike ride and her peace of mind after starting her reverse mortgage.

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. 

Contact me

You’ve worked hard for your home. Now it’s time to put your home equity to work for you.

A reverse mortgage allows homeowners aged 55 or older to borrow against their housing wealth while maintaining ownership, title, and control of their home.

But unlike traditional financing solutions, there is no monthly payment required on the loan — taxes, insurance, and maintenance only.

What will you do with tax-free cash from your home equity?

  • Improve cash flow and increase savings
  • Refinance or eliminate existing mortgage and consumer debt
  • Pay for healthcare expenses and long-term care
  • Finance home renovations to age safely in place
  • Buy a new home that better suits your needs
  • Create a financial safety net with a growing line of credit
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*Review the Reverse mortgage requirements found on the product page for additional details.

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.

    Learn more

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