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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

Me llamo Zak y es un privilegio ayudar a mis clientes a comprar la casa de sus sueños mientras ofrecen la experiencia de clase mundial que merecen. Mi principal prioridad es educarlo sobre cada aspecto del proceso hipotecario y asegurar que se convierta en un cliente de por vida.

Encontrar el mejor producto de préstamo y la mejor tasa para sus necesidades es un hecho, pero es el cuidado personal y la atención lo que marca la diferencia cuando trabaja conmigo. Me enorgullece desempeñarme como oficial de préstamos en la sucursal de Montvale, NJ de CrossCountry Mortgage, el prestamista hipotecario minorista n.o 1 de los Estados Unidos, donde el servicio excepcional es el estándar.

Cuando no estoy trabajando, aprecio el tiempo con mi esposa y dos niños pequeños. ¡Gracias por tomarse un momento para aprender un poco sobre mí!

My social posts

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Jun 24
Real estate agents can be a valuable resource for homebuyers and sellers — but how do you know if you need one? Contact us to learn more.
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Jun 17
Tackling debt takes time, patience and most importantly, a plan. We can help figure out if a debt consolidation loan should be part of yours.
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Jun 10
Settle in and stay awhile with a fixed-rate mortgage. These loans offer predictability and security so you can focus less on rates and more on enjoying your dream home. 🔐
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Jun 3
The only thing better than getting a great mortgage? Refinancing to get an even better one. We’ll help with both.
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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.💰
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

  • Los costos de refinanciamiento generalmente oscilan entre el 2 % y el 6 % del monto del préstamo e incluyen cargos como tasación, seguro de título y costos de cierre. Factores como el tipo de préstamo, la ubicación y el puntaje de crédito pueden  afectar significativamente  estos gastos. Nuestro equipo puede ayudar a proporcionar estrategias  que  pueden ayudar a minimizar los costos.

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