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Your Local CrossCountry Mortgage Loan Officer

Emilio Sosa

  • Senior Loan Officer
  • Brooklyn, NY Mortgage Loan Officer
  • NMLS # 1820552
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I’ll be with you every step of the way

Hello! My name is Emilio. I entered the mortgage industry in 2017, drawn by a passion for helping people accomplish one of the most significant financial milestones of their lives: owning a home. What’s kept me here is the deep satisfaction of guiding clients through a complex process and witnessing the real impact — whether it’s a first-time homebuyer receiving their keys or a family saving hundreds of dollars a month through the right refinance.

What makes me different is simple: I treat every mortgage like it’s my own. That means complete transparency, flexible pricing and putting the client’s goals first. At America’s #1 Retail Mortgage Lender, I specialize in structuring creative solutions across conventional, FHA, VA and jumbo loans.

I define success not by the number of loans I close, but by the relationships I build. Whether you’re buying your first home, upgrading or refinancing, I’m here to make the process straightforward and rewarding. My door and phone are always open.

See What I Qualify For

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with CrossCountry Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your mortgage lender of choice for years to come. 

How much will my mortgage payment be?  

This calculator is being provided for educational purposes only. The results are estimates based on information you provided and may not reflect CrossCountry Mortgage, LLC product terms. The information cannot be used by CrossCountry Mortgage, LLC to determine a customer’s eligibility for a specific product or service.

Neutral living room with fireplace.
Friends enjoying dinner in an updated kitchen after completing home improvements with the help of CCM Equity Express.
A young couple celebrate becoming homeowners thanks to different mortgage options for first-time homebuyers.

Buying Now Means Saving Later

Don’t fixate on rate

Get the home you want now. If rates fall in the future, you can refinance to the lower rate after 6 full payments. And, with a lender credit of up to $1,500*, you’ll save upfront and thousands down the line. 

Your free rate quote

For full terms and conditions, visit ccm.com/buynowrefilater

Tap into your home equity – fast

Would you like to improve your home, pay off higher-interest debt, finance education, or pay for other major expenses? A home equity line of credit (HELOC) can provide the money you need using your home equity. 

With CCM Equity Express, the process is fast, secure, and fully automated. Simply take 5 minutes to apply and get 100% of your loan amount in as few as 5 days. 

Get Started – Fixed Get Started – Flex

Ready to Buy Your First Home?

Our wide range of mortgage options can help first-time homebuyers achieve homeownership with reduced down payments, closing cost assistance, or temporary rate relief. 

Financing options: 

  • Home loans with as little as 3% down 
  • Temporary buydowns to lower your mortgage rate at the start of your loan 
  • Down payment assistance from national and state programs 
  • Personalized home financing solutions 

Bonus: If your household’s qualifying income meets the standards for your county’s area median income, you may be eligible for a lower mortgage rate!  

Take the first step toward homeownership. Let’s discuss your options today. 

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