Your Purchase, 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
We’ll be with you every step of the way
In its early stages, The Carbon Team was only made up of four friends. After years of hard work and determination, we’ve grown to over 100 mortgage professionals. To get where we are now, we’ve built an environment in which our team can learn and thrive off each other. We understand that to make our clients happy and satisfied with their service, they have to work together respectfully and humbly.
The Carbon Team’s success is in our numbers. In 2022 alone, we successfully closed over $1.3 billion in loans and guided countless families into their dream homes. Our ultimate goal is to get to $2 billion in home financing in the near future.
Outside of mortgages, we host a fundraiser every year for different charities and have been successful at raising life-changing amounts for each local community we serve.
Above all, The Carbon Team works with integrity, empathy, and insurmountable knowledge about the mortgage process, bringing the human element to the game, time and time again.
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
Peter’s testimonials
Meet our team
Peter Costakos
- Senior Vice President
- NMLS #139540
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
Lisa Yountchi
- Outside Loan Originator
- NMLS #1485353
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 415-310-5241
- tel 908-402-8094
- fax 914-984-5048
Michael Levine
- Senior Loan Officer
- NMLS #307827
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-391-1183
- tel 908-312-3480
- fax 914-984-5048
Mary Ann Scaggs
- Senior Loan Originator
- NMLS #72344
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-261-5056
- fax 914-984-5048
Shawn Conley
- Sales Manager
- NMLS #20544
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-494-7647
- tel 914-915-8639
- fax 914-984-5048
Michael Sieja
- Loan Officer
- NMLS #64666
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-575-8304
- tel 908-312-5321
- fax 914-984-5048
Christopher Tortorello
- Senior Loan Officer
- NMLS #247630
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-482-3110
- tel 914-639-2035
- fax 914-639-2035
Matthew Faranda
- Senior Loan Officer
- NMLS #243212
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-804-0733
- tel 914-435-7325
- fax 914-984-5048
Stuart Kolinsky
- Senior Loan Officer
- NMLS #47703
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 917-776-6848
- tel 914-290-4936
- fax 914-984-5048
Fernando DaCunha
- Vice President of Mortgage Lending
- NMLS #408762
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-384-4240
- tel 908-291-3286
- fax 914-984-5048
Gino Chiapparelli
- Senior Loan Officer
- NMLS #85288
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
Peter Grabel
- Senior Loan Officer
- NMLS #84522
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 917-653-9082
- tel 914-639-3688
- fax 914-984-5048
Michael Paris
- Senior Loan Officer
- NMLS #156582
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 917-582-0766
- tel 914-770-3162
- fax 914-984-5048
Steven Bueti
- Senior Loan Officer
- NMLS #55351
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 203-253-7777
- tel 914-370-4006
- fax 914-984-5048
Jordana DelVecchio
- Senior Loan Officer
- NMLS #673164
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-420-3216
- tel 914-216-7283
- fax 914-984-5048
Veronica Franciosa
- Senior Loan Officer
- NMLS #67092
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 914-282-6033
- tel 914-435-8006
- fax 914-984-5048
Barry Goldenberg
- Senior Loan Originator
- NMLS #86847
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 516-398-9511
- tel 914-206-9525
- fax 914-984-5048
Aaron Pisano
- Senior Loan Officer
- NMLS #723034
- 2900 Westchester Ave.
- Suite 202
- Purchase, NY 10577
- [email protected]
- mobile 917-524-8485
- fax 908-292-6124
Our support staff
Kelly Lee
Branch Marketing ManagerStacyAnn Melillo
Loan Processor AssistantAnthony Ippolito
Branch Development SpecialistMy 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.