Headshot of Albert Rapoport

Albert Rapoport

Sr. Vice President

NMLS #60865

14 Commerce Drive
Cranford, NJ 07016
(201) 604-3485 (201) 604-3485
Cell phone
(908) 244-8107 (908) 244-8107
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
Refinance Loans
Refinance Loans



About Albert

Born and raised in New Jersey (and a huge dog lover!), I graduated from Montclair State University in three years, earning the honor of being on the Dean’s List while also working 50 hours a week. When you come to me for your mortgage, I will utilize that same work ethic and dedication to excellence to deliver the successful home financing results you deserve.

I started in real estate during college, working alongside my dad, who was a real estate appraiser. I learned a lot about that business from him before starting my own mortgage career in 2004 and opening my own mortgage brokerage in 2005. We survived the subprime crash and later became part of another larger company. Since then, I have both originated loans and managed large offices, including most recently being a co-manager for The Carbon Team, which closed in excess of $1.2B in 2020.

My team and I strive to provide a stress-free mortgage process. I do my best to take a complete and thorough application up front so that I can foresee any potential obstacle, and then I put together a game plan to work through that issue. Buying a home is perhaps the largest purchase you will ever make, and the person you are working with needs to treat it that way by offering expertise and clear explanations. I advise my clients based on what I would do if I were in their shoes, focusing on long-term thinking over short-term gains.

With decades of knowledge about a variety of residential home financing scenarios — particularly in handling appraisals that fall short of the purchase price, as well as navigating the intricacies of condo financing — I define success as complete customer satisfaction. That criteria is key to my dream of continuous growth for The Carbon Team in both volume and efficiency, as well as constantly improving the client's experience

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Recent Posts and Articles

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    Preparing for a new season may spotlight home repairs. Maybe it’s something simple, or perhaps your roof is caving in! Read more about fall home maintenance and how we can help.

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    Whether you’re aging in place or bringing older relatives into your home, know your options and limitations for building in, building out and reducing hazard risk.

  • First time homebuyers fixing up their historic home thanks to their rehab home loan

    Historic Home Living: What You Can and Can’t Change

    Fantastic benefits come with living in a historically significant home, but certain restrictions can limit your rehab dreams—know your options going in

  • A woman standing in her new home

    Women Taking (Home) Ownership

    Let’s hear it for 100 years of women’s progress in homeownership! Read about their phenomenal influence on the market as we celebrate women and mortgages.

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.

  • 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.

  • 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.

  • 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.

  • 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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