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  • 1925 E Market Street, Suite 101 York, PA 17402 Mobile (717) 968-4390 Michael.Ciresi@ccm.com
Your Local CrossCountry Mortgage Loan Officer

Michael Ciresi

  • Branch Manager
  • York, PA Mortgage Loan Officer
  • NMLS #532665
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I’ll be with you every step of the way

Hi, I’m Michael, based in Lebanon, PA. As a U.S. Navy Veteran with 22 years of mortgage expertise, I seamlessly transitioned from dedicated service to a successful financing career. My naval background instills discipline, setting me apart in the ever-changing mortgage industry. I’m especially dedicated to supporting Veterans and giving back through charitable initiatives, making a lasting impact on my clients’ paths to homeownership.

With experience in a variety of loans, including conventional, VA, FHA, and USDA programs, I’ll demystify the home financing process to ensure you understand your options. Known for transparency, I’ll guide you through every step, provide answers to your questions, and offer frequent loan status updates. Together, we’ll navigate your home financing journey. Whether you’re buying, refinancing, or renovating, I look forward to giving you an outstanding mortgage experience with America’s #1 Retail Mortgage Lender.

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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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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.

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