CrossCountry Mortgage logomark

Richard Cilo

Senior Loan Officer

Rutherford, NJ Mortgage Lender

NMLS #2572183

301 Route 17 North, Suite 501
Rutherford, NJ 07070
Contact Methods
mobile Mobile
(917) 977-0930


About Richard

With over 15 years of experience in credit and finance, I’m a dedicated loan officer who specializes in helping clients navigate the complexities of home financing. My goal is to provide personalized solutions that align with your unique financial goals – whether you’re a first-time homebuyer, homeowner on the move, or looking to refinance.

I pride myself on offering exceptional customer service, clear communication, and expert guidance throughout the mortgage process. By staying current with market trends and lending regulations, I’ll ensure you receive a great experience and a financing plan that fits your future. Let’s work together to make your homeownership dreams a reality.


  • 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.

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