Headshot of John Gnisci

John Gnisci

Sr. Vice President

Carbon Team - BK

NMLS #727328

37 N 15th St, Ste 108
Brooklyn, NY 11222
Contact Methods
tel Phone
fax Fax


About John

After originating over $2 billion in residential mortgages for clients ranging from top executives and celebrities to first-time homebuyers, I follow one very important principle: no matter who I’m helping with their home financing, every client deserves, and receives, my personal attention.

My client-centric approach differentiates me from my competitors. I understand you are making one of the biggest financial commitments of your life, and I will treat you as I would like to be treated. This belief has created a network of satisfied clients, real estate brokers, attorneys, CPAs, financial advisors, and home builders. I am honored they refer their friends, family, and clients to me.

I closed my first home loan in 2000. Over the years I’ve been a top producer at several prestigious financial institutions and mortgage banks in New York, and have achieved consistent national recognition by Scotsman Guide as a Top Originator. My home financing expertise has resulted in appearances on CBS and interviews in leading trade magazines.

A life-long resident of the New York metropolitan area, I am an avid family man. In my free time I enjoy playing golf, and being involved in my children’s activities, including coaching their sports teams.

I’d like to show you what a mortgage experience should be. If you’re looking for a lender who works with integrity, provides outstanding service, and is committed to closing your loan on time, look no further.


  • First Time Homebuyers
  • Purchase
  • Refinance Loans
  • VA Loans
The kitchen of a new homeowner

Buying now means saving later

Don't fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you'll save upfront and thousands down the line.

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*For full terms and conditions, visit ccm.com/buynowrefilater.

First time homebuyers admiring their new home

Ready to buy your first home?

Our wide range of mortgage options can help you achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief.

Financing options

  • Home loans with as little as 3% down
  • Temporary buydowns to lower your mortgage rate at the start of your loan
  • Down payment assistance from national and state programs
  • Personalized home financing solutions

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!

Take the first step toward homeownership.
Let’s discuss your options today.

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Recent Posts and Articles


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.

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Send me a message below or give me a call at 201-394-6281