Your Montvale, New Jersey mortgage experts
We’ll be with you every step of the way
A team approach to home financing!
For years, Scott Forman and his team of senior loan officers have assisted homeowners with their home financing. We’ve adopted a business model from his favorite book, “Raving Fans.” Very simply, it says figure out what your clients expect and deliver it plus 1%. Scott is dedicated to delivering an experience for his clients that is first class. With a team that has decades of experience in the industry and the resources of America’s #1 Retail Mortgage Lender, we’ve been able to perfect this business model.
The Forman Team promises three things to their clients. First, we promise to close on time every time and with no surprises. Second, your cash out of pocket is exactly what you expect. Lastly, we communicate. We proactively contact every client, buyer’s agent, selling agent and attorney on every deal under contract.
When you choose to work with The Forman Team, you will experience a Raving Fan experience.





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
Meet our team
Debbie A Musco-Yeck
- Originating Branch Manager
- NMLS #224766
- 102 Chestnut Ridge Rd Suite 200
- Montvale, NJ 07645
- Debbie.Yeck@ccm.com
- mobile 201-697-8492
- tel 201-746-6850
- fax 201-591-7965
Scott Forman
- Executive Vice President
- NMLS #12460
- 102 Chestnut Ridge Rd Suite 200
- Montvale, NJ 07645
Nicole Habib
- Senior Loan Officer
- NMLS #659153
- 102 Chestnut Ridge Rd Suite 200
- Montvale, NJ 07645
- Nicole.Habib@ccm.com
- mobile 732-513-6616
- tel 618-239-4259
- fax 618-239-4259
Vanessa Pace
- Loan Officer
- NMLS #2023724
- 102 Chestnut Ridge Rd Suite 200
- Montvale, NJ 07645
- Vanessa.Pace@ccm.com
- mobile 732-522-0650
Glenn M. Davis
- Originating Branch Manager
- NMLS #89346
- 102 Chestnut Ridge Rd Suite 200
- Montvale, NJ 07645