Headshot of Debra Shultz

Debra Shultz

VP of Lending

Carbon Team - BK

NMLS #49302

Equal Housing Opportunity

Tap into your
home equity - fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity.

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days.


About Debra

Debra is a VP of Mortgage Lending at CrossCountry Mortgage with over 25 years of extensive experience in mortgage lending. She is a Top 1% National Mortgage Originator and an expert in residential mortgage financing for all property types, including single & multi-family residences, townhomes, condos, co-ops, condops, new developments and conversions.

Debra has access to just about every mortgage product on the market through CrossCountry’s correspondent and broker channels. This includes products for Agency conforming and high balance loan sizes, portfolio products for jumbo and super jumbo loan sizes, SONYMA (New York down payment assistance), FHA, VA, reverse mortgages, renovation, construction to permanent and NON QM products (alternative income). Many of these products allow for temporary and permanent rate buydowns and NY CEMAs (purchase and refinance).

In addition to traditional mortgage products, Debra is frequently asked to make "mortgage magic" for non-traditional borrowers with out of the box scenarios. Hence, her nickname #AbracaDebra”. This includes Non-QM products, such as bank statement deposits, asset depletion and rental income, in lieu of traditional income for the self-employed, high net worth and investors. As well as simplified income verification process for foreign nationals.

Her core business partners include real estate agents, attorneys, developers, CPAs, accountants, financial advisors, wealth managers, and of course, her past clients.

One of her favorite testimonials described her as being "extraordinarily responsive". She understands that real estate transactions move quickly in her markets and is always just a text, email or phone call away. She is available 24/7/365.

In her leisure time, she enjoys exercise, meditation, clean cooking, cross-stitching, all types of music, furthering her education & most of all, spoiling her Maltipoo named "Dash".


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at