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Carmen Cipolone
Branch Manager|Mortgage Loan Officer
Bloomsburg University of Pennsylvania
Hi there! My name is Carmen Cipolone, and I am a highly experienced real estate and mortgage professional with 20 years of expertise in the industry. Throughout my career, I have helped countless clients navigate the often complex and confu...... Show More
Location & Business Hours
Business Hours
Fri
9 AM to 6 PM
Sat
9 AM to 6 PM
Sun
9 AM to 6 PM
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Reviews from Web
Carman recently helped us refinance our mortgage. He was fantastic to work with. Super knowledgeable, patient, accurate, and during the process we always felt very comfortable reaching out to him. I would highly recommend working with him,...
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Carmen is awesome! I needed help with a quote and he went above and beyond to get me what I needed in less than an hour. This is the type of person you want to do business with.
Reply from Owner
June 16th, 2026 11:26 PM
Thank you so much for the kind words! I know how important timing is, and I'm glad I could help get you the information you needed quickly. My goal is always to make the process as smooth and stress-free as possible while providing honest guidance...
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Carmen was great to work with. He got us a great rate and the process was quick and effortless. Highly recommend.
Reply from Owner
June 16th, 2026 05:12 PM
Thank you so much for the kind words! It was a pleasure helping you through the process. I'm glad we were able to secure a great rate and make everything smooth and stress-free from start to finish. Thank you for trusting me with your home...
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I currently live in Japan, and despite the 16-hour time difference, Carmen Cipolone made the entire home-buying process smooth and stress-free.While shopping for homes, Carmen prepared loan estimates for four different properties I considered....
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Reply from Owner
June 13th, 2026 09:56 AM
Thank you so much for your thoughtful review and for trusting me with your home purchase from halfway around the world.Working through a 16-hour time difference certainly presented some unique challenges, but helping you achieve your goal of...
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Carmen is the best lender bar none! As a real estate investor, I’ve worked with many lenders and Carmen is top notch in his industry knowledge and broad experience! I’ve been a loyal customer of Carmen’s since 2019 and will always bring my...
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Reply from Owner
May 7th, 2026 11:16 AM
Nate, I appreciate this more than you know. It’s been awesome working together over the years—both as clients and now on the lending side.You’re a Marine, a great father, and a true professional in this business. Having a fellow LO trust me...
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Carmen Cipolone has received a review with 5 star rating from Joseph J
Reply from Owner
May 2nd, 2026 01:37 AM
Thank you Joe. Congrats to you and Adrianna on your new home!
Professional, efficient, and very helpful. Carmen and his team handled everything perfectly and made the process seamless. I’m very happy with the experience!
Reply from Owner
April 29th, 2026 11:22 PM
Thank you Millie. It’s been an to work with you and I’m grateful for our friendship. You are awesome!
Carmen is great to work with! He makes the process easy and enjoyable.
Reply from Owner
April 23rd, 2026 03:21 PM
Kerri, you make the process enjoyable as well. Thank you for the continued support and the opportunity to help build your real estate empire. :)
Carmen and Nate provided us with option that were much better than other lenders and then moved at lightning speed to get us the loan as fast as possible. Highly recommend their services.
Reply from Owner
March 19th, 2026 04:56 PM
Thank you Juan. It was a pleasure serving you and Lisa. Congrats on the investment. You and your wife deserve nothing but the best.
This was a no brainer. Carmen went above and beyond! Unfortunately I can barely compose an email or remember passwords but he was able to guide me through the entire process and also explain the situation and how not to WASTE MONEY on things...
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Reply from Owner
March 15th, 2026 09:00 AM
Teamwork makes the dream work. Next time I’m in San Diego, I’ll have to see your Harley in person—and watch you pop a wheelie. Thanks again for the opportunity to help you.
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About
Hi there! My name is Carmen Cipolone, and I am a highly experienced real estate and mortgage professional with 20 years of expertise in the industry. Throughout my career, I have helped countless clients navigate the often complex and confusing world of real estate, providing expert guidance and support every step of the way.
As a seasoned mortgage and real estate expert, I have a deep understanding of the many factors that go into buying, selling, and financing property. Whether you're a first-time homebuyer or a seasoned investor, I am committed to providing you with the personalized attention and expert advice you need to make the most informed decisions.
Products & Services
Mortgage Broker
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Conventional Home Loan
Construction Loan
Home Equity Loan
Down Payment Assistance
Mortgage Refinance
Reverse Mortgage
Specialities
conventional
fha
usda
jumbo
va
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Education
- Bloomsburg University of PennsylvaniaBusiness and MarketingBachelor of Science in Business Administration (BSBA)Sep 2000 -Jun 2004
Positions
- The Simpleloan Group - PresidentJan 1st, 2020 - Current
- Barrett Financial Group, L.L.C. - Branch Manager-Mortgage Loan OfficerDec 15th, 2025 - Current
Memberships
- Hardcore Fitness
- American Legion
- Palm Bay Chamber of Commerce
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Addresses and Serving Areas
Year Started
2006
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS 945589
Gallery
Awards
UWM Pro Elite
Achievements
- UWM Pro Elite
Hobbies
- Going To Concerts
- Going To Sporting Events
- Traveling
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Disclaimer
Mortgage Advertising Disclaimer
Advertised rates, terms, and conditions are for illustrative purposes only and subject to change without notice. Actual rates, APRs, payments, and approval are based on borrower’s credit profile, income, debt-to-income ratio, property value, loan amount, and other underwriting factors. Not all applicants will qualify. Example payment does not include taxes, insurance, or HOA fees (if applicable); actual payment obligation will be higher. Loans are subject to credit approval and property appraisal. Additional fees and closing costs may apply. This is not a commitment to lend. Contact a licensed mortgage professional for personalized quotes and full details. Equal Housing Lender. NMLS #945589