Scott Nadler - CrossCountry Mortgage

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Scott Nadler - CrossCountry Mortgage

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Personal NMLS385124
Branch NMLS1601092
Company NMLS3029 He consistently placed in the top 10 among 60 loan officers within the company.

Scott Nadler began his career in the mortgage business in the back office and operations department of a mortgage company – dedicating himself to understanding what it takes to get a borrower to the closing table. Within two years, he was promoted to become the head of the Secondary Mortgage Marketing Department with his firm. In this role, Scott was responsible for managing the company’s pipeline, negotiating with lenders for the lowest rates, and advising loan officers on how to structure their files. After a highly successful stint in operations, it was clear Scott’s calling was to be a loan officer and assist clients directly with their mortgage needs. In his first full year as a loan originator, Scott, despite being the youngest salesperson in the company, was one of its top performers. The majority of his business early on came from active clients referring their friends and family members to Scott after they saw firsthand the value he added to their mortgage experience. Since then, Scott’s business has grown and continues to blossom. He works with some of the top real estate brokers, financial advisors, accountants and attorneys all over the tristate area who have all entrusted Scott to handle their clients’ home financing needs. Scott’s communication skills, responsiveness, knowledge, work ethic, creativity, and jovial demeanor throughout a transaction are some of the reasons as to why people love working with him. More importantly, whether a client is looking to save money by refinancing or achieve the dream of homeownership, Scott will get the job done!

10/28/2026

Has an agent ever told your lender "no one has ever asked for this before"?

We were financing a buyer in an eight-unit co-op. The listing agent, who lived in the building, questioned several of our document requests right in front of the management company.

So we looked it up. The last mortgage in that building was taken out in 2014. It had been 12 years since anyone financed there. It's like going to a doctor you haven't seen in a decade and asking why they're running new tests.

It's okay to push back on a request. The better move is a quick call with the lender to ask why they need it, so you can help get it from management.

Got a lender request that doesn't make sense to you? Send me a message and I'll explain it.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity.

Scott Nadler, NMLS 385124. CrossCountry Mortgage, LLC NMLS 3029.

10/26/2026

What would you do if a condo questionnaire put your buyer's financing at risk?

Every co-op and condo deal needs a questionnaire from the management company, and most people take it at face value. A couple of weeks ago ours said the sponsor held 30% of the units in the building. If that were true, traditional financing would have been a problem.

None of our emails with the attorney or the agent had ever mentioned sponsor ownership. So we flagged it and asked management to clarify. They had answered it incorrectly. They corrected it to 5%, and we went ahead with the financing.

Management companies make mistakes. If an answer is spooking your buyer or stopping a lender, push back and ask again.

Have a questionnaire that doesn't look right? Send me a message and I'll take a look.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity.

Scott Nadler, NMLS 385124. CrossCountry Mortgage, LLC NMLS 3029.

10/22/2026

Has a co-op management company ever told you "our calendar is full" when your closing depended on it?

We had clients selling their unit and buying another in the same building. The purchase moved faster, so its closing got scheduled about two weeks before the sale. The attorney asked management to move the sale up and kept hearing the same thing: the calendar is full, nothing we can do.

So we got the board involved. The board president sent one email to the management company, and within 24 hours the sale closing moved to the same day as the purchase.

Management companies work for the building and the board. If they won't move for you, find out who they answer to.

Dealing with a management company that's holding up your deal? Send me a message and let's talk it through.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

For educational purposes only. Examples discussed are illustrative and not typical. Rates and terms vary based on borrower qualifications and market conditions. Eligibility and structure depend on borrower intent, occupancy requirements, and underwriting guidelines. Not a commitment to lend. Equal Housing Opportunity.

Scott Nadler, NMLS 385124. CrossCountry Mortgage, LLC NMLS 3029.

10/16/2026

When does a CEMA not make sense for your buyer?

The first one is time. A CEMA needs the seller's lender to cooperate and produce the paperwork, and I've been in situations where that took two months, four months, sometimes six. If your buyer can't wait that long, it might not be an option. Find out the lender's turn time early.

The second is fees. In some counties the fees run higher than others, and if they outweigh the savings, it doesn't make sense. That's why you run the analysis ahead of time.

And if it doesn't pencil out, at least your buyer knows you took every step possible to help them save money.

Working on a deal where this could come up? Send me a message.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

10/14/2026

Would you rather tell your buyer about a purchase CEMA, or have them find out from ChatGPT?

We've seen it happen. Clients type in "how can I save money, I'm buying a home in New York City" and see what comes back. If a CEMA comes up there first, it's a missed chance to show them you're on their side.

Here's the play. At some point you'll walk your buyer through closing costs. When you get to the mortgage recording tax line, bring this up. You can go on ACRIS (or ask your lender or attorney to) and find out whether the seller of the listing you're targeting has a mortgage. With that, your lender and attorney can run a CEMA analysis and see if it makes sense for your buyer.

Even raising it puts you a step ahead of most agents.

Want to run the numbers on a buyer you're working with? Send me a message.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

10/13/2026

Did you know a lot of NYC buyers could pay less mortgage recording tax with a purchase CEMA?

Here's the example I walk through in the video. Someone buys a $1 million home with 20% down, so they borrow $800,000. At 1.925%, the mortgage tax on that loan is $15,400, added right to their closing costs.

Now say the seller still owes $500,000 on their mortgage. With a CEMA, that existing debt gets transferred instead of newly created, so the mortgage tax only applies to the new $300,000. At 1.8%, that's $5,400. Same purchase, about $10,000 less in tax in this example.

Fees vary, so it's worth running a CEMA analysis with your lender and attorney before you promise anything to a buyer.

Have a buyer who could benefit from this? Send me a message and let's talk it through.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

10/02/2026

You've shown a buyer 15 apartments. You finally found the perfect one. And they say "maybe we should keep looking." Now what?

Here's what to say when a buyer can't make a decision. This is the amiable buyer: relationship-driven, friendly, and stuck at the finish line. "I just want to make sure I'm doing the right thing." "What would you do?" "I want to talk to my parents." The worst thing you can say is "we've seen everything, this is obviously it."

Instead, bring them back to their own criteria: "Let's go back to what you told me was most important. Two bedrooms, good light, a doorman, under $1.4 million, close to the subway. This apartment checks all five of those boxes. So what's making you hesitate?" You're helping them work their way into the decision instead of pushing them into it.

If you've got a buyer stuck like this right now, send me a message. Happy to talk through the conversation with you.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

09/30/2026

One spouse says "I love it." The other is standing behind them asking about the building's reserve fund. Who are you selling to?

Selling to a couple with different personalities is one of the most common mistakes I see agents make. That's an expressive buyer and an analytical buyer who need to make one decision together, and you can't communicate with them as if they're one person. Let the expressive one experience the apartment; don't answer "I love this place" with price per square foot. Show the analytical one comps, numbers and your reasoning, and don't rush them.

If you're only selling to the louder person in the room, you might be missing the one who's holding up the deal.

Before your next showing, listing presentation or negotiation, ask yourself one question: how does this person like to receive information?

Got a couple like this right now? Send me a message and tell me where it's stuck.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

09/28/2026

Have you ever given a client the right answer and still lost the room?

This is how to read a real estate client, learned the hard way. After a great meeting with a ten-agent team, one of them emailed me four words: "What are your condo rates?" I answered the way I'd want to be answered: a few questions first, then rate ranges at the bottom. Never got a response. The next day the team lead got on the call and told me straight: if we ask you a question, we need the answer, we don't have time for a story.

He was an assertive type, and everything I wrote after the first line was noise to him. You'll spot this buyer fast. Short questions, short emails, short texts, no small talk. None of it is personal. They're telling you: get me the information I need and I'll make a decision.

If you've got a client you can't read, send me a message and tell me what their emails look like.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

09/25/2026

Would you pitch the same apartment the same way to four different buyers? Most agents do, and it costs them three of the four.

Here's how to sell to different personality types with one $1.2 million apartment. The assertive buyer asks what it's worth and what to offer, so you lead with the number and a plan. The analytical buyer asks how you know it's worth that, so you pull three comps and walk them through it. The amiable buyer says they're nervous, so you bring them back to what they told you they wanted. The expressive buyer says "that's it, I love it," so you let them picture it, then make sure they understand the numbers and the building.

Same apartment, same agent, four completely different conversations. That's the whole skill.

If you want the one-page version of the four types for your next showing, send me a message.

DISCLAIMER: This content is for educational purposes only and is not financial, legal, or tax advice. Consult a licensed professional before making any related decisions.

Address

37 N 15th Street, Ste 108
Brooklyn, NY
11222

Telephone

+19737698180

Website

https://crosscountrymortgage.com/Scott-Nadler/

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