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Your Local CrossCountry Mortgage Loan Officer

Joseph Ferraro

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  • Originating Branch Manager
  • Hauppauge, NY Mortgage Loan Officer
  • NMLS #1443543
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I’ll be with you every step of the way

Hi, I’m Joseph, and there’s nothing more rewarding to me than having a personal impact on the largest financial transaction of my clients’ lives. Whether you’re purchasing a new home, refinancing, or financing a home renovation, I’m here at the Hauppauge, NY CrossCountry Mortgage of America’s #1 Retail Mortgage Lender, to help you achieve your goals.

As your trusted loan consultant, I’ll guide you through the home financing process and support you from pre-approval to closing. With a wide array of mortgage products, I’ll help you find the home loan best suited to your needs. Our state-of-the-art technology ensures your mortgage flows smoothly, and you’ll receive continuous updates throughout the process. My website is also a useful resource, with many tools to make your experience smooth and stress-free.

I appreciate your business and look forward to working with you!

My social posts

joe.p.ferraro_ccm joe.p.ferraro_ccm
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.
joe.p.ferraro_ccm joe.p.ferraro_ccm
May 22
Your front door can make or break your home’s curb appeal. Make sure you get it just right with our guide. Contact us for your copy.
joe.p.ferraro_ccm joe.p.ferraro_ccm
May 21
The average home purchased is about 20 years old. At that age, some are fully updated, a few could use some DIY fixes, and a handful might need that renovation loan. ⏰
joe.p.ferraro_ccm joe.p.ferraro_ccm
May 20
VA loans come with lots of benefits. One you may not know is that they’re assumable, meaning a buyer can take over a seller’s existing VA loan, rather than get their own mortgage. There are plenty of ...
joe.p.ferraro_ccm joe.p.ferraro_ccm
May 16
When it comes to location, buyer priorities have shifted. They value convenience to friends and family — making recommendations and referrals even more important. 🫂
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. 

Calculate your DTI ratio to see how much house you can afford 

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.

Neutral living room with fireplace.
A family plays together peacefully knowing they found the best option to help them reach financial wellness.
Military member coming home to his daughter in his VA-funded home.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

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

Come Home With a VA Loan

Did you know VA mortgage loans are not only for Veterans? Qualified Active-Duty Military, National Guard, Reservists, and Surviving Spouses can take advantage of this important benefit. VA loans offer 100% financing without mortgage insurance, and the VA benefit is re-usable. 

Purchase or refinance, contact me to learn more. 

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Inspiration for your home loan journey

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