Prepare early
Review income documentation, funds needed for closing, and potential financing obstacles early.
Mortgage guidance throughout New Jersey
Apply NowRichard Ekrem CiloSenior Loan Officer · NMLS #2572183
A clearer path to your next mortgage decision.
Practical, thoughtful guidance for homebuyers, homeowners, self-employed borrowers, and real estate investors—from the first conversation through closing.
I work with clients in English and Turkish.
Residential mortgage loans originated through CrossCountry Mortgage, LLC · NMLS #3029
15+years across credit, finance & lending
NMLS#2572183
EN / TRBilingual service
Richard's approach
Explain clearly. Identify issues early. Stay close through closing.
01
Start with the goal—not the product.
02
Turn details into a clear next step.
FOR LOCAL REAL ESTATE AGENTS
A clear mortgage process for your buyers—and clear communication for you.
I work with real estate agents in Wayne and throughout New Jersey to help buyers prepare for financing and understand their next steps.
Stay informed
Coordinate around contract milestones and share appropriate updates with the buyer’s permission.
Support in two languages
Help buyers understand their options and next steps in English or Turkish.
Have a buyer scenario to discuss? Let’s start with a conversation.
Start with what you need
Your situation shapes the conversation.
Choose the path closest to your goal. You will get a practical overview of what to prepare and what to discuss—without an eligibility promise or hard sell.
Purchase planning
Prepare first. Shop confidently. Close with fewer surprises.
Before you start touring homes, Richard helps you organize the numbers, understand your financing paths, and build a practical pre-approval plan. Once you are under contract, he stays close to the details through closing.
Useful items to discuss
- Set a comfortable payment and cash-to-close target
- Compare suitable loan and down-payment paths
- Coordinate proactively from pre-approval through closing
Specialty mortgage options
More ways to buy, improve, or invest.
Two financing areas where the right loan structure can create more options without overwhelming you with product details.
Investment property financing
As little as 10% down on eligible 1-unit investment properties.
An eligible Investor High-LTV option may provide up to 90% LTV with no PMI. Conventional, DSCR and non-QM investor options are also available.
- 1-unit properties: up to 90% LTV*
- 2–4 units: up to 85% LTV*
- 15- and 30-year fixed options*
Renovation & fixer-upper loans
Buy the home and finance eligible improvements in one loan.
Renovation options include FHA 203(k), Fannie Mae HomeStyle®, Freddie Mac CHOICERenovation®, VA Renovation and USDA Renovation.
- Purchase + eligible renovation costs
- One mortgage and one closing
- Cosmetic updates to major renovations, program dependent
*Investor High-LTV program eligibility, property, credit, reserves, loan amount and underwriting requirements apply. Short-term rentals are not permitted under this specific program.
Experience with perspective
Analytical where it matters. Personal throughout.
Richard Ekrem Cilo · Senior Loan Officer · NMLS #2572183
Richard Ekrem Cilo is a New Jersey-licensed Senior Loan Officer at CrossCountry Mortgage, LLC (NMLS #3029). He helps homebuyers, homeowners, self-employed borrowers and real estate investors, with guidance available in English and Turkish.
With more than 15 years of experience across credit, finance, commercial lending, and underwriting, Richard brings a practical approach to residential mortgages. He focuses on explaining options clearly, identifying potential issues early, and guiding clients from pre-approval through closing.
Richard originates residential mortgage loans through CrossCountry Mortgage, LLC (NMLS #3029), while providing personalized guidance from pre-approval through closing.
Professional profiles: Official CrossCountry Mortgage profile · Client reviews on Experience.com
Home purchase
Refinance
Home equity
Complex income
Investment property
Renovation loans
Client feedback
★★★★★“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 and easy to understand.”
★★★★★“Thank you to Richard for his support and guidance throughout the loan application process.”
Let's make the next step clear
Tell Richard what you are working on.
A short conversation can help organize the right questions before you make a bigger decision.