Richard Cilo at CrossCountry Mortgage
Senior Loan Officer | NMLS #2572183
My name is Richard Cilo, a New Jersey mortgage loan officer serving homebuyers, homeowners, self-employed borrowers, and real estate investors across North Jersey. With 15+ years of experience in credit, finance, commercial lending, and und... Show More
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He always answer my questions and try to solved problems immediately always reachable person
Reply from Owner
September 30th, 2026 12:45 AM
Thank you so much, Serhat! I really appreciate your feedback and kind words. Being responsive and available to help solve problems quickly for my clients is always my top priority. It was a pleasure working with you!
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...
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Reply from Owner
September 30th, 2026 12:46 AM
Thank you for the wonderful review, Sal! I'm thrilled to hear that we were able to keep everything moving smoothly for a fast, clear closing. Providing guidance and answering questions every step of the way is what I strive for. Thank you for...
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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...
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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.
I had an amazing experience working with Richard as my loan officer. He closed my deal flawlessly in under a month, which is honestly impressive. Throughout the entire process, he kept me informed every step of the way and helped me select...
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I had an amazing experience working with Richard as my loan officer. He closed my deal flawlessly in under a month, which is honestly impressive. Throughout the entire process, he kept me informed every step of the way and helped me select...
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About
My name is Richard Cilo, a New Jersey mortgage loan officer serving homebuyers, homeowners, self-employed borrowers, and real estate investors across North Jersey. With 15+ years of experience in credit, finance, commercial lending, and underwriting, I bring an analytical approach to the mortgage process. I focus on explaining mortgage options clearly, identifying potential issues early, and guiding clients from pre-approval through closing. I assist with home purchase financing, refinancing, home equity solutions, and mortgage options for complex income scenarios, subject to program eligibility. Assistance is available in English and Turkish. Türkçe mortgage desteği için iletişime geçebilirsiniz. NMLS #2572183 | Branch NMLS #1490087
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Mortgage Loan Officer
FHA Home Loan
Jumbo Home Loan
Conventional Home Loan
Bridge Loans
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Cash-Out Refinances
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Bank Statement Loans
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Cash-Out Refinances
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DSCR Loans
Mortgage for Foreign Nationals
Profit & Loss Only Mortgage
ITIN Mortgage Loans
Bank Statement Mortgages
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Conventional Loans
FHA Loans
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Adjustable-Rate Mortgages (ARMs)
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Year Started
2024
Time Zone
Eastern Standard Time (EST)
Licenses
- 2572183
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CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114
NMLS3029 | MB.803095