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Your XSport Fitness benefits include huge mortgage savings!

Save up to $2,198 on your closing costs with a lender credit for your:*

  • Processing fee.
  • Underwriting fee.
  • Appraisal fee.
  • Credit report fee.
  • Flood certification fee.

Priority processing from our team of experts.

Bonus! These benefits are available to your family members, too.


Another special offer just for you!


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Your Dedicated Loan Officers


I am one of the branch managers for CrossCountry's Melville office. With over 25 years of experience in the mortgage and finance business and many accolades, I fully understand the complexities of this ever-changing industry.

I truly love what I do and take tremendous pride in meeting the needs of my clients. I know the mortgage landscape and understand how difficult it can be for a borrower. Each loan is processed as if it were my own, and my expertise is in finding the terms that are right for your budget, competently handling the closing and ensuring all goes smoothly. I will navigate you through the red tape, protect you from any unpleasant surprises while making sure every call is answered promptly and professionally.

The financial aspect of home buying can be stressful and overwhelming, but it does not have to be. Contact me now and let my team and I get started making home ownership a reality.


In 1987, Ralph graduated from Hofstra University with a degree in Banking and Finance. Ralph has long been considered an industry expert with over 30 years of experience. His knowledge, professionalism and attention to detail has helped thousands of families with the refinance or purchase of their new home.

We are delighted to have Ralph at CrossCountry Mortgage as one of the Originating Branch Managers for the Melville, Long Island Office. Ralph enjoys living in the town of Huntington with his wife and four beautiful children. "It gives me great satisfaction to use my experience, knowledge and expertise to help families achieve their dream of home ownership."


Bruce entered the mortgage industry in April of 1987 and has been a leader to his team and in the industry. He's also an accomplished public speaker and consistently educates his clients with his First Time Homebuyer Seminars and other educational programs. He's also been honored by the State of New York Mortgage Agency (SONYMA) for his production with this program.

Bruce is a family man, with a beautiful wife and 4 wonderful children. With a well-respected name in the industry, Bruce brings another level of expertise to his realtor community and clients. He currently is the Originating Branch Manager for the Melville Long Island office of CCM.

About CrossCountry Mortgage


Our mission is simple: to provide you with the best possible advice and benefit to your financial needs while facilitating a straightforward, transparent mortgage process for buyers, sellers, and real estate agents.

We began as a mortgage broker in Cleveland, Ohio in 2003. Today, we are a nationwide lender with headquarters in Brecksville, Ohio, and branch offices across the country. We have been a Freddie Mac, Fannie Mae, and Ginnie Mae Approved Seller/Servicer since 2012 and have greatly expanded our mortgage-based solutions into a wide portfolio of home purchase, refinance, and home equity products. We are licensed in all 50 states and have earned many awards and accolades along the way.

Through superior customer service and a full range of loan products and programs, we’ve been able to help more people each year buy homes from coast to coast. We’re continuing to expand our nationwide footprint, and we’re not stopping any time soon.‚Äč


Get in touch with me to take advantage of your Preferred Mortgage Savings Plan!