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  • 102 Chestnut Ridge Rd Suite 200 Montvale, NJ 07645 Mobile (914) 419-5638 Tel (201) 746-6777 Zak.Raffel@ccm.com
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Your Local CrossCountry Mortgage Loan Officer

Zak Raffel

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  • Regional Sales Manager
  • Montvale, NJ Mortgage Loan Officer
  • NMLS #1470292
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I’ll be with you every step of the way

My name is Zak, and it’s a privilege to help my clients buy their dream home while delivering the world-class experience they deserve. My top priority is to educate you on every aspect of the mortgage process and ensure you become a customer for life.

Finding the best loan product and rate for your needs is a given, but it’s the personal care and attention that makes the difference when you work with me. I’m proud to serve as a loan officer at the Montvale, NJ branch of CrossCountry Mortgage, America’s #1 Retail Mortgage Lender, where exceptional service is the standard.

When I’m not working, I cherish time with my wife and two young boys. Thank you for taking a moment to learn a bit about me!

My social posts

zakraffel zakraffelmortgage
May 27
Knowing your home’s equity gives you the power to make confident decisions. Ready to see yours? Use our calculator. Ready to tap into it? Get in touch.💰
zakraffel zakraffelmortgage
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 ...
zakraffel zakraffelmortgage
May 13
Homebuying is a team sport. Finding an agent who fits your needs, understands your goals and helps you make the best decisions is the key to winning. We’ve got plenty of recommendations – just ask! 🤝
zakraffel zakraffelmortgage
May 6
Pre-approval is your greatest homebuyer hack. With one simple application, you’ll be empowered to shop smarter and offer confidently. What are you waiting for? Apply today!
zakraffel zakraffelmortgage
Apr 29
This one’s for the non-traditional folks – self-employed borrowers, real estate investors, homebuyers without a Social Security number. There’s a path to home for everyone with non-QM loans. Let’s find yours!
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. 

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.

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. 

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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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