Your Local CrossCountry Mortgage Loan Officer

The Andrew Russell Team

Buying, refinancing, or just figuring out what you can afford? Our team breaks it all down in plain English — so you can make the right call for your family, with people who actually have your back.

Regional Executive Vice President
Hauppauge, NY Mortgage Loan Officer
NMLS # 217975

Guides and resources

Home Purchase FAQs

All your questions answered about purchasing a home.

Homebuying Guide

Step-by-step process to getting the keys to your new home.

Mortgage Calculators

Free mortgage calculators to help you make informed decisions.

Self Employed HomeBuying Guide

The different ways lenders can calculate your income.

America’s #1 Retail Mortgage Lender

Hello! My name is Andrew, and I’m a trusted loan officer with CrossCountry Mortgage, America’s #1 Retail Mortgage Lender. Whether you’re buying a new home, making upgrades or refinancing, I’m here to make your mortgage simple, fast and feel like a win.

At CCM, we offer more than just competitive rates. We have more loans to fit more homes. From conventional and jumbo to VA, FHA and exclusive in-house programs, you’ll find a loan for just about anything – including purchasing, investing, building, renovating or accessing equity from your home.

With years of experience and a commitment to top-tier service, I’ll help you navigate home financing. You’ll get expert guidance, straightforward answers and a personalized plan to reach your homeownership goals. From start to finish, you’ll feel confident in closing.
When it comes to your mortgage, work with the best. Let’s connect and discuss how we can make your experience second to none.

retail mortgage lender in the US

1 in 35

home purchases across the US in 2025

120+

mortgage loans available

131,000

home purchases funded in 2025

Work with my team and I

Home Buyer

Loan Officer

Real Estate Agent

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Frequently asked questions

Not sure where to start? Browse our most frequently asked mortgage questions to learn about pre-qualification, pre-approval, credit scores, and more.

What is the difference between pre-qualification and pre-approval?

Pre-qualification provides an estimate of how much you may be able to borrow based on the information you provide. Pre-approval involves a more detailed review of your credit, income, assets, and financial history. A pre-approval can help you shop with confidence and strengthen your offer.

How much money do I need for a down payment?

The amount depends on the loan program, property type, and your financial situation. While some buyers put 20% down, several mortgage programs allow qualified borrowers to purchase a home with a much smaller down payment.

What documents will I need when applying for a mortgage?

You may need to provide recent pay stubs, tax documents, bank statements, identification, and information about your current debts and assets. Additional documents may be required depending on your employment, income, and chosen loan program.

What credit score do I need to buy a home?

Credit requirements vary depending on the loan program and lender guidelines. A higher credit score may help you qualify for more options or better terms, but having less-than-perfect credit does not automatically prevent you from becoming a homeowner.

Can I qualify for a mortgage if I am self-employed?

Yes. Self-employed borrowers can qualify for a mortgage, although the income documentation may differ from that of traditionally employed borrowers. Andrew can help review your income and identify financing options that fit your situation.

What are mortgage points?

Mortgage points are fees paid at closing in exchange for a lower interest rate. One point generally equals 1% of the loan amount. Whether paying points makes sense depends on your upfront budget and how long you plan to keep the mortgage.

What should I avoid doing before closing?

Avoid opening new credit accounts, making large purchases, moving significant amounts of money, or changing jobs without first speaking with your loan officer. These actions could affect your credit, available funds, or final loan approval.

Why do I need a home inspection?

A home inspection helps you better understand the property’s condition and identify potential repairs or concerns. The results may also help you make informed decisions or negotiate with the seller before completing the purchase.