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Your Local CrossCountry Mortgage Loan Officer

Michael Hatzidakis

  • Originating Branch Manager
  • Melville, NY Mortgage Loan Officer
  • NMLS #49844
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I’ll be with you every step of the way

Hi, I’m Michael—and I believe getting a mortgage shouldn’t be stressful, it should be exciting! With more than 20 years of experience and licenses in multiple states, I’m dedicated to making homeownership a win for you and your family.

Whether you’re buying your first home, upgrading, or refinancing, my mission is simple: guide you through the process with clarity, confidence, and care. At CrossCountry Mortgage—America’s #1 Retail Mortgage Lender—my team and I put our expertise to work for you: answering questions in plain language, mapping out your best options, and walking with you from pre-approval to closing day.

What sets CCM apart is the power of choice. From conventional, FHA, VA, and USDA loans to unique programs you won’t find anywhere else, we make it possible to match your financing to your goals.

If you’re ready to take the first step toward your homeownership dreams, let’s connect. Together, we’ll turn what feels like a complicated process into a smooth, rewarding experience—and get you home faster.

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.

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A woman in her home office is excited to learn about down payment assistance options.
Women sits at kitchen table and researching options to help her purchase a home instead of renting one.

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. 

Your free rate quote

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

Down Payment Assistance

Turn years from now into today 

Saving for a down payment can be a challenge, we get that. With our variety of down payment assistance (DPA) programs for conventional and FHA loans, you could buy a home with little or no cash. 

For most of these programs, one buyer must be a first-time homebuyer, and homebuyer education and other requirements may apply. 

We make home happen. Contact me today to see which option is best for you. 

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Move On From Renting

Buying a home doesn’t seem easy, but that shouldn’t stop you from enjoying the benefits of homeownership! I’ll provide solutions to help you own your very own home. 

Not sure you’re financially ready?  

We’ll make a plan that fits your budget. 

Think iffy credit will hold you back?  

I’ve got options with flexible requirements. 

Unsure about high rates, down payments, or closing costs? 

We’ll find ways to save.  

Don’t wait – let’s start the process so you can make your big move. 

Contact me

Michael’s testimonials

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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. 

Inspiration for your home loan journey

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Homeowner shakes hands with loan officer during annual mortgage checkup.

How to Save Money with an Annual Mortgage Checkup

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USDA-eligible rural white farmhouse with dormer windows and a front porch, surrounded by field of wildflowers.

USDA Property Eligibility Map 2025

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A white cottage with black front door and fall decor, a home secured with earnest money during the homebuying process.

What Is Earnest Money?

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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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  • 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.

    Learn more

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