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Loan Type Spotlight:

FHA Loans

In today’s tough real estate market, any financial advantage you find can make a big difference. Therefore, it is really important to understand what your best options are. When it comes to mortgages, FHA loans are an amazing option for those who are eligible. FHA loans are government-backed mortgages that help first time homebuyers secure properties without having to cover huge down payments. FHA loans are typically available to those with lower credit scores, and the required downpayment is only 3.5% versus 10% or more with traditional mortgage loans!

To qualify for an FHA loan, you must have a:

500–579 FICO score for a 10% down payment

580 FICO score for a 3.5% down payment

38–57% debt-to-income (DTI), depending on your credit score

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You may qualify to save $1,000* or more on a home purchase!
Enter date/time, email & zip below to get started.

You may qualify to save$1,000* on a home purchase! Enter date/time, email & zip below to get started.

Founder of The Greater Group

Ruben Nazario


Who do you trust with the sale of your home and when buying a home? “Ruben & The Greater Group of KW because they offer the greatest experience”

Director of Business Development

Gordon Oliver


Cambridge Credit Counseling Corp is a 501(c)(3) Not-For-Profit Organization that's been helping people achieve financial freedom for more than 25 years. Cambridge believes that treating a person's financial issues goes far beyond getting them out of credit card debt. Their holistic approach gives consumers access to a wide variety of services. These services include:


  • Credit Counseling
  • Debt Management Plans
  • Housing Counseling
  • Reverse Mortgage Counseling
  • Student Loan Counseling
  • Mortgage Ready Program
  • Bankruptcy Counseling


Over the past few years, Cambridge has been recognized by several financial information resources, including Investopedia, The Balance, NerdWallet and TrustPilot as among the very best of the national counseling agencies. Cambridge was also just named Bankrate’s # 1 Best Credit Counseling Service on Feb 24, 2024.

Don't hesitate to book time with Gordon and Cambridge today!

Senior Loan Officer and Business Development Manager

Randy Nemeroff


As a loan officer and business development manager with over 22 years of experience, I established a successful model of incorporating a growing national affinity network and employee/member perks platforms with millions of members, including PerkPlans and Hero Benefits Network. Founded in 2005, these programs offer members discounts and expert advice, including real estate and professional services, local and national retailers, travel, health, wellness, and many more perks.

CrossCountry Mortgage Has The Infrastructure To Lend Nationally

This will allow me to offer you flexibility throughout the mortgage process. Conventional, Jumbo, FHA, VA, and USDA loans are just a few options we can explore based on your goals and finances. I’m an expert in my field who takes the stress out of the mortgage process by staying involved from start to finish while being available around the clock to answer all your questions. My team and I look forward to making your homeownership dreams a reality.

Today CrossCountry Mortgage, with more than 7,000 employees and more than 600 branches, is one of the nation’s largest and fastest growing retail mortgage lenders. We are licensed in all 50 states and are a direct lender and approved seller and servicer by Freddie Mac, Fannie Mae, and Ginnie Mae.

Making Every Mortgage Feel Like a Win

Navigating the mortgage process doesn’t have to be overwhelming. When you work with CrossCountry Mortgage (CCM), you’ll collaborate closely with a licensed professional who will make sure you get the mortgage you deserve.

Our entire team is available to assist you from application to closing and beyond. We work tirelessly to remove the frustration from the mortgage process and provide you a personalized experience.

Mortgage Solutions Aren’t One-Size-Fits-All

At CrossCountry Mortgage, we separate ourselves from other mortgage lenders by offering exceptional customer service and a broad selection of home financing products. Our portfolio has an extensive range of products -- from conventional and jumbo mortgages, to government- insured programs for veterans and rural home buyers, to programs that enable you to make full-cash offers -- each homebuyer is different, so we make sure there is a solution for every lifestyle and personal situation.

A Top 3 Retail Mortgage Lender

Founded in 2003, our CEO, Ronald Leonhardt, Jr., had a vision to become a nationwide full- service lender that could provide customers with a clear, fast and transparent mortgage experience. Through superior customer service and a full range of loan products and programs, we’ve been able to achieve that vision and build upon it by helping more people each year buy the homes of their dreams.




Loan Officer

Mike Scimeca


As a respected lending organization for over 20 years, I understand that different needs require different solutions. At Greentree, I treat each loan uniquely, and do not promote “cookie cutter” or “one size fits all” products. Our customers have shown us that this personal attention gives them the trust, confidence, and flexibility needed to improve their financial future.

At Greentree, I understand that your mortgage is one of the biggest investments you will ever make. An investment in a home is an investment in the future of you and your family. But this exciting time can also have its challenges. With dozens of loan types and arrangements, it can be a challenge to understand which option is best for you. Let our mortgage counselors assist you to help make your dream come true. Let us break down the different loan types, help you understand your credit report and how best to react to it, and answer any other questions you may have. How can you maximize your investment? How can you save on taxes? How can you transform your debt into something that is manageable and invisible? These are questions our mortgage counselors have answered time and time again.

I can do the math for you. Let us help you find the best loan solution for you and your family. Now that you’ve found your solution, let us help you fulfill the dream.

Overall, my goal is to make the process as easy and stress-free as possible. I always go the extra mile to hold my clients hand through every step of the process and make sure to provide 100 percent of the information up-front.

NMLS ID #2006655

- Conventional


- VA


- FHA 203k (renovation loan)

- ITIN loans

- Bank Statement loans




Important Note!

Unfortunately, if you are currently in debt or unsure about your debt-to-income ratio, there is a high likelihood you won’t qualify for FHA loans or even conventional mortgages. If this is the case, then resolving your existing debt is the most important step you can take right now in the process.

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