Richard Cilo at CrossCountry Mortgage

Senior Loan Officer | NMLS #2572183

5.0

(16)

Mortgage

Mortgage Loan Officer

Mortgage Lender

Contact Info

(877) 773-1226

Denville, NJ

https://www.crosscountrymortgage.com/denville-nj-3480/richard-cilo?marketing_campaign=00898

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5.0

(16)

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5.0

(6)

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(10)

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I would like to express my sincere gratitude for the support provided during the loan application process. CrossCountry Mortgage is truly fortunate to have an employee like Richard. Once again, thank you to Richard for his support and guidance....

Reply from Owner

September 17th, 2026 03:32 PM

Thank you so much for your kind words and for taking the time to share your experience. I truly appreciate your trust throughout the loan process, and I am glad I could provide the support and guidance you needed. It was a pleasure working...

Richard Cilo at CrossCountry Mortgage has received a review with 5 star rating from Nermin S

Reply from Owner

September 1st, 2026 01:29 PM

Thank you, Nermin, for the 5-star rating. I appreciate your support and am glad to have been of service.

Working with Richard is a delight. He simplifies the loan process and keeps everyone well-informed.

Reply from Richard Cilo

August 31st, 2026 01:14 PM

Thank you, Nermin, for your kind words. I'm pleased to know that you found the loan process straightforward and well-informed. If you ever need further assistance, feel free to reach out.

Excellent service! Richard was very helpful, and made the entire process easy. Thank you!

Reply from Richard Cilo

July 6th, 2026 03:40 PM

I'm grateful for your feedback, Tarik. It's good to know that you found the process easy and that I could be of help. Thank you for choosing me for your mortgage needs!

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 Owner

September 11th, 2026 12:51 PM

Thank you so much, Melis. I really appreciate your kind words and your trust throughout the mortgage process. I am glad the communication, responsiveness, and overall process made your experience smooth from start to finish. It was a pleasure...

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....

Reply from Owner

September 11th, 2026 01:08 PM

Thank you so much, Matt. I really appreciate your kind words and your trust throughout the cash-out refinance process. I am glad we were able to find a solution that met your goals while keeping the process smooth and efficient. It was a pleasure...

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...

Reply from Owner

September 17th, 2026 03:35 PM

Thank you so much for your kind words and for sharing your experience. I am very glad I could help make the home buying and mortgage process feel smoother and easier to understand. I truly appreciate your trust and recommendation, and it was...

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

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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

Products & Services

Mortgage Loan Officer

FHA Home Loan

Jumbo Home Loan

Conventional Home Loan

Bridge Loans

Adjustable Rate Mortgages

Non-QM

Cash-Out Refinances

Commercial Loans

Bank Statement Loans

1099 Income Loans

Mortgage Lender

Jumbo Home Loan

Down Payment Assistance

Home Renovation Loan

Cash-Out Refinances

Non-QM

DSCR Loans

Mortgage for Foreign Nationals

Profit & Loss Only Mortgage

ITIN Mortgage Loans

Bank Statement Mortgages

Specialities

Conventional Loans

FHA Loans

VA Loans

USDA Loans

Jumbo Loans

Adjustable-Rate Mortgages (ARMs)

Fixed-Rate Mortgages

Reverse Mortgages

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Year Started

2024

Time Zone

Eastern Standard Time (EST)

Licenses

2572183

Disclaimer

CrossCountry Mortgage, LLC
2160 Superior Avenue, Cleveland, OH 44114

NMLS3029 | MB.803095

DISCLOSURES & LICENSES

PRIVACY STATEMENT

NMLS CONSUMER ACCESS