Your Hauppauge, New York mortgage experts
Your Future Our Focus
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- 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
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- Purchase
- Refinance
- Reverse Mortgage
- Jumbo Loan
- Non-QM Loans
We’ll be with you every step of the way
As America’s #1 Retail Mortgage Lender, we work together to make every mortgage feel like a win. And when you work with us, we’re dedicated to one thing: You.
Home financing is more than a single loan – it’s about our communities. From first-time homebuyers building a new life to homeowners improving their finances using home equity, we’re dedicated to helping people prosper.
Our team is filled with dedicated loan officers living, supporting and serving their communities. We each offer our own individual specialties, from expert knowledge of home loan programs and the mortgage process to personal knowledge of the neighborhood you’re house hunting in. But in the end, we all come together to provide an exceptional experience and get it done for you.
Guides and resources
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.
Inspiration for your home loan journey
Bruce’s testimonials
Meet our team
Bruce Silva
- Senior Vice President
- NMLS #15653
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-260-2393
- tel 631-546-0930
Eric Buhler
- Senior Vice President
- NMLS #193120
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
Ralph Ranieri
- Senior Vice President
- NMLS #195852
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-767-6103
- tel 631-767-6103
Marcelo Gonzalez
- Outside Loan Originator
- NMLS #17612
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 917-693-2424
- tel 631-546-0924
- fax 631-529-2062
Ryan West
- Sales Manager/Senior Loan Officer
- NMLS #2006484
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-714-9289
- tel 631-303-3045
- fax 631-303-3046
Matthew Schreck
- Loan Officer / Marketing Director
- NMLS #2068532
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-806-0751
- tel 631-546-0926
- fax 631-595-5390
Eric Alvar
- Originating Branch Manager
- NMLS #5887
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 845-901-0176
- tel 631-315-7852
- fax 631-315-7853
Michael Riemer
- Senior Loan Officer
- NMLS #71873
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-258-5536
- tel 631-533-9806
- fax 631-533-9806
Kevin Ungar
- Senior Loan Officer
- NMLS #57552
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 516-376-8710
- tel 631-629-6178
- fax 631-629-6178
Pete Filippone
- Loan Officer
- NMLS #2307683
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-741-0934
- tel 631-944-8349
Jake Dessart
- Loan Officer
- NMLS #2487395
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
Christie Alotta
- Loan Officer
- NMLS #2222219
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 631-512-1305
- tel 631-238-3809
- fax 631-238-3809
Chris Greco
- Loan Officer
- NMLS #2460247
- 100 Motor Parkway
- Suite 112
- Hauppauge, NY 11788
- [email protected]
- mobile 518-605-6173
- tel 631-629-8119
- fax 631-629-8119
Our support staff
Patricia Emrich
Sales Support Specialist
Donna Randazzo
Sales AssistantKathleen Crisalli
Senior Loan Processor
Tina Vigna
Loan Officer AssistantValerie Russo
Senior Processor
Spiro Arnidis
Mortgage ConsultantJon Taveras
Branch Disclosure SpecialistChristina Mathieson-Segura
Business Development SpecialistAsha Sheikh
Loan Officer AssistantMy social posts
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.