Richard Cilo at CrossCountry Mortgage

Senior Loan Officer | NMLS #2572183

5.0

(12)

Mortgage

Mortgage Loan Officer

Contact Info

(877) 773-1226

Rockaway, NJ

https://www.ccm.com/Richard-Cilo

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Working with Richard was an exceptional experience from start to finish. This isn’t my first home purchase, and I’ve worked with great professionals before, but this level of service truly stood out. As someone who works in finance, I was especially...

Reply from Richard Cilo

May 25th, 2026 07:24 PM

Thank you so much, Melis, for sharing your experience and for your kind words. I'm pleased that the process went smoothly and that my communication met your expectations. It's great to know that you felt supported throughout. If there's ever...

Richard Cilo follows her work very closely and knows her home very well.

Reply from Richard Cilo at CrossCountry Mortga...

May 4th, 2026 01:48 PM

Thank you, Ahmet, for your positive feedback. I'm glad to hear that my approach met your expectations. If there's anything else I can do for you, please feel free to reach out.

Richard did an outstanding job with out cash-out refinance. He was able to get us the maximum cash possible and made the whole process incredible smooth and efficient. We felt supported the entire time and couldn’t be happier with the outcome....

I had an amazing experience working with Richard during my home buying process. From the very beginning, he was patient, knowledgeable, and always available to answer my questions. Buying a house can be stressful, but he made everything smooth...

He always answer my questions and try to solved problems immediately always reachable person

Richard was great to work with throughout the entire process. He was responsive, knowledgeable, and helped keep everything moving smoothly so we were able to close quickly. Even when last-minute questions came up, he took the time to explain...

He was very kind, knowladgeble and prompt. Thanks...

Reply from Richard Cilo

November 24th, 2025 07:33 PM

I'm grateful for your kind words, Yavuz. It was a pleasure to assist you. If you have any more questions or need further assistance, I'm always here to help. Thank you for choosing CrossCountry Mortgage.

Outstanding experience with Richard Cilo and CrossCountry Mortgage!Richard made the entire mortgage process smooth, transparent, and stress-free. He took the time to explain every detail, answered all my questions quickly, and guided me through...

Working with Richard was a great experience. He was always professional and quick to respond, taking the time to explain every step in a clear way. His guidance made the whole process smooth and much less stressful.

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About

Your homeownership journey deserves personal guidance. As a dedicated mortgage loan officer in Denville, NJ. I’m here to give you just that. Whether you’re a first-time homebuyer looking for a mortgage lender or a Veteran homeowner considering a refinance, I provide a selection of mortgage loan options to fit your goals. FHA loans, VA loans, conventional loans, and jumbo mortgages are just a few I offer to help you navigate home financing with confidence. From application to closing, I’ll give you a transparent process with clear communication and expert advice every step of the way. Together, we’ll bring your homeownership dreams to life. NMLS #2572183 | Branch NMLS #1490087

Products & Services

Mortgage Loan Officer

FHA Home Loan

VA Home Loan

Jumbo Home Loan

Conventional Home Loan

Specialities

Conventional Loans

FHA Loans

VA Loans

USDA Loans

Jumbo Loans