102 Chestnut Ridge Rd Suite 200
Montvale, NJ 07645 Mobile 914.419.5638 Tel 201.746.6777 [email protected]

Schedule a call
- monday: 8:00AM – 5:00PM
- tuesday: 8:00AM – 5:00PM
- wednesday: 8:00AM – 5:00PM
- thursday: 8:00AM – 5:00PM
- friday: 8:00AM – 5:00PM
- Condo Mortgage
- Conventional Loan
- Down Payment Assistance
- Non-QM Loans
- Renovation Loan
- Montvale, NJ
- Saddle Brook, NJ
- Hillsdale, NJ
- Saddle River, NJ
- River Vale, NJ

Your Local CrossCountry Mortgage Loan Officer

Zak Raffel

Regional Sales Manager
Montvale, NJ Mortgage Loan Officer
NMLS # 1470292

I’ll be with you every step of the way

My name is Zak, and it’s a privilege to help my clients buy their dream home while delivering the world-class experience they deserve. My top priority is to educate you on every aspect of the mortgage process and ensure you become a customer for life.

Finding the best loan product and rate for your needs is a given, but it’s the personal care and attention that makes the difference when you work with me. I’m proud to serve as a loan officer at the Montvale, NJ branch of CrossCountry Mortgage, America’s #1 Retail Mortgage Lender, where exceptional service is the standard.

When I’m not working, I cherish time with my wife and two young boys. Thank you for taking a moment to learn a bit about me!

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.

By proceeding, I consent by electronic signature to receive calls and SMS text messages from CrossCountry Mortgage, LLC at the phone number I have provided, for any purpose, including loan inquiries, marketing, sales, and informational communications. I understand and agree that these calls and text messages may be made by any means or technology, including an automatic telephone dialing system or other automated system for the selection and dialing of telephone numbers, a prerecorded or artificial voice, or an AI-generated voice. I also understand and agree that my consent to calls and texts from CrossCountry Mortgage, LLC is not required to purchase products from or use the services of CrossCountry Mortgage, LLC, and that I may contact CrossCountry Mortgage, LLC at (877) 351-3400 about its products and services at any time. I understand that I may cancel this consent at any time. Reply STOP to discontinue SMS text messages. For help, reply HELP, call us at 844-940-2272 or email [email protected]. Message and data rates may apply. Message frequency varies. Terms and Conditions and Privacy Policy apply.

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.

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.

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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