Fernando J. DaCunha - The Mortgage Maverick with CrossCountry Mortgage

Fernando J. DaCunha - The Mortgage Maverick with CrossCountry Mortgage Empowering clients and professionals for real estate. 15+ years, $500M+ closed. Comedy skits & parodies to educate. Podcast Streaming Now!

Vice President of Lending | NMLS ID # 408762
Branch NMLS 1698537 | Company NMLS 3029
Equal Housing Opportunity Youtube: https://youtube.com/channel/UCItsqwlf7it8QZTlYcQ1S6g

Instagram/TikTok:

Podcast: https://anchor.fm/mortgagemaverick

The wait is over! Congratulations to the Knicks, and especially to Jalen and his family. MVP!!! 🔵🟠🔵🟠🔵🟠🔵
06/14/2026

The wait is over! Congratulations to the Knicks, and especially to Jalen and his family. MVP!!! 🔵🟠🔵🟠🔵🟠🔵

Honored to be recognized as a Top 100 NAHREP Lender in the Northeast.Funny thing is, I got into this business thinking I...
06/11/2026

Honored to be recognized as a Top 100 NAHREP Lender in the Northeast.

Funny thing is, I got into this business thinking I'd be helping people buy houses. Turns out I spend most of my time explaining why Zillow is wrong, chasing down bank statements from 17 different accounts, and answering texts that start with "Quick question..." at 9:47 PM. 🤣

To all the real estate agents, clients, attorneys, and partners who trust me with their referrals—thank you. This recognition belongs as much to you as it does to me.

Now if NAHREP could create an award for "Most Times Recalculating a Pre-Approval After Someone Buys a Truck," I'd have that one locked up too. 😉


NMLS 408762

06/05/2026

Paid off. Closed the accounts. Felt financially responsible. Watched the score drop 40 points. Credit rewards history, utilization, and open accounts, not just paying things off. The system is counterintuitive. Welcome.

06/03/2026

I understand…Here’s the list so we don’t have to do this again:

Two years of tax returns. Business bank statements. P&L. CPA letter. Entity docs. And that's before they ask a follow-up question. Self-employed buyers can absolutely buy, they just need to document everything twice.

05/29/2026

He's saving $300 a month renting. His landlord is making $1,400 in equity.

Your rent is lower than a mortgage because someone else is building the equity. The payment you're avoiding is the same one making your landlord wealthier every month. Different math.

05/27/2026

The appraisal came back low. The seller said no. The buyer bought furniture. This is a real sequence of events that happens more than it should.

05/25/2026

Pretty good. Solid. Not bad. Fine. These are great adjectives, but they’re not descriptions of your credit. The number is the number. Pull it before you start shopping and don’t make excuses as to why it is what it is.

05/22/2026

The 20% rule was born before FHA, before VA loans, before first-time buyer programs existed. It's not a rule. It's a myth wearing a suit. Your friend's financial advisor is not your lender.

05/20/2026

Three percent of the purchase price. Every time. We go over it at pre-approval, again at contract, again at disclosure. And yet. Every time.

05/18/2026

Making $90K a year sounds great until the car payment, the student loan, the credit cards, and the gym membership you forgot about all wave hello. DTI doesn't care about your salary. It cares about your obligations.

Address

2900 Westchester Avenue, Suite 202
Purchase, NY
10577

Website

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