Headshot of Nicole Habib

Nicole Habib

Sr. Loan Officer

The Forman Team

NMLS #659153

102 Chestnut Ridge Rd Suite 200
Montvale, NJ 07645
Contact Methods
tel Phone
mobile Mobile
(732) 513-6616
fax Fax


About Nicole

Nicole has been a top producing mortgage advisor for over 11 years. She began her exposure to the mortgage industry in her early teens by working at her father Barry’s mortgage company.

After graduating Monmouth University with a bachelor’s degree in Finance, Nicole worked her way up to becoming a sales manager at Mortgage Market Guide, where she became an expert in understanding both the real estate and mortgage bond markets.

She later began her mortgage origination career working at both banks and mortgage banking firms, where she achieved top producer status. Nicole has won many awards for exceptional customer service and quality of work.

Nicole also believes in constantly educating herself so she can continue to serve her customers at the highest level. She has attained the designation of Certified Mortgage Advisor after completing a rigorous round of training and testing. This is the highest designation within the mortgage industry, showcasing expertise in understanding financial markets and best practices for advising clients.

Nicole has also been sought after as a consultant for her depth of knowledge by MBS Highway, where she helped to create and develop innovative products that are now used by tens of thousands of mortgage professionals.

She has made appearances on Fox television for her mortgage knowledge.

Nicole is currently a Mortgage Advisor at Cross Country Mortgage, one of the nation’s leading mortgage bankers.

She lives in Monmouth County New Jersey and has two amazing children, Nico and Karina, and a wonderful husband, Rob, who she works hard to make proud every day.


  • 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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