Michael Giannetto

The best mortgage professional is someone who will listen, someone you can trust, and someone who refuses to treat you like a number. I am that someone, and I am determined to provide you with home financing strategies based on your unique financial objectives, time horizon, risk preferences, and tax considerations.

My unique approach involves assessing your situation and creating a strategy designed to deliver the best mortgage product and available rate, whether you're purchasing or refinancing your primary residence, a second home or an investment property. With access to dozens of loan products and programs, I can secure the most competitive rates in the industry while keeping your fees as low as possible.

Above all, I will use my knowledge and expertise to consult you on the mortgage solution that best fits your needs. I have been providing mortgage planning services since 1998 so you can be confident that my experience and tenure in this industry will translate to a smooth, stress-free mortgage experience for you and your family.

I currently reside in Washingtonville, NY with my wife Stacy and our two daughters. We try to take full advantage of what Orange County and the Hudson Valley has to offer. We feel blessed to live in this area.

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Specialties

Purchase and Refinance
Purchase
Refinance Loans

Michael’s Testimonials

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Our exclusive Line of Duty Death Benefit is designed to provide financial protection to the families of first responders. This complimentary, one-time benefit cancels the balance of your mortgage, up to $525,000, should you fall in the line of duty. It’s our way of saying thank you.

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There’s no greater feeling than moving into your first home. Getting the keys, opening the front door, making the home your own – all things we want you to experience!

CCM Smart Start will contribute up to $5,250 toward those good feelings. With CCM Smart Start, we’ll cover 2% of the purchase price (up to $5,250) for the down payment so your homeownership dream can come to life.

For terms and conditions, visit
crosscountrymortgage.com/loan-types/programs/ccm-smart-start

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Helping your home financing process go smoothly.

Resources

The Mortgage Process

There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.
Payment Calculator

How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.
Find the Right Loan

I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.
Home Loan Check List

Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

What Our Clients Say

Michael was very professional and a pleasure to work with, he answered all the questions a first time home buyer would have with accurate and prompt responses.
Jason Daston

I love the way they help us with the whole process of purchasing our home. I really recommend Mike.
Escobar Pleitez

Michael was personable and so easy to deal with. He always makes himself available to assist you and answer any questions you may have. Best experience I have ever had buying a home!!
Kevin Kihlmire

Michael was easily accessible night or day even on weekends to respond to any of our questions or concerns. We always felt that we had a capable professional as well as a friend on our team. Things were done quickly and efficiently and affordably we couldn't be happier with the outcome and with our new home. Thank you Michael!
Christopher Molnar

Michael is wonderful and we've only done business by phone. I would refer Michael to anyone looking for a mortgage/refi.
James P Evans

This was a new process for me as a first time home buyer and Michael was beyond great. He took his time and explained EVERYTHING to me. He was always available to take my calls, and trust me I called him a lot. Always made me feel like a priority. Michael went above and beyond to make this experience move seamless, painless and was on point with everything. He is gracious, professional and patient. I will send ANYONE and EVERYONE I know to him cause took very good care of me.
Kawana N Mills

Michael was very patient during a very long mortgage process, The delays were not due in any way to him. He could have bailed but was very patient and made it happen! Great person to deal with. Highly recommended.
Brendan Kolesar

Michael was extremely professional and walked us through every step of the way. Being first time home buyers, there was a lot we didn't know and Michael always made himself available to answer any questions and offer advice. I will absolutely use him again in the future!
Antonietta Nuzzi

Thank you Michael for helping us purchase our first home! We also want to thank your team for all their help as well.
David Anderson

Michael Giannetto treats you as an individual human being through the process. He listens to each situation and always has a solution.
Stacy Kihlmire

Branch Manager

NMLS #18637

Adress

5 Fairlawn Drive, Suite 106
Washingtonville, NY 10992

Contact Methods

Email: [email protected]
mobile Mobile: (516) 680-5517
fax Fax: 914-984-5048

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