At the inception of their relationship with Douglas Elliman, CrossCountry Mortgage pledged a commitment to parallel growth. They promised to proactively assist Douglas Elliman agents in creating more opportunity, for each other and for their clients.

For them, uncovering opportunity begins with their vast array of flexible mortgage programs that allow them to qualify a much larger number of applicants, beyond the scope of most traditional banks. In other words, they’re expanding the pool of potential homebuyers, helping to create a more competitive marketplace with even more buy-side and sell-side transactions.

As businesses, ESPINAL | ADLER and CrossCountry Mortgage will see growth because of this collaboration, and, more importantly, as clients, you’ll get the service and attention you deserve from everyone involved with your mortgage. With proven successes together under our belts, we’re forging a new environment that highlights how to do business the right way by raising the standard of how loan officers and agents conduct themselves, and the services we deliver —and this is just the beginning.

In its early stages, The Carbon Team was only made up of 4 friends. After years of hard work and determination, they’ve grown to over 100 mortgage professionals. To get where they are now, The Carbon Team has built an environment in which they can learn and thrive off each other. They understand that to make their clients happy and satisfied with their service, they have to work together respectfully and humbly.

The team’s success is in their numbers and in 2020 alone, they have successfully closed $1.3B in loans and have guided countless families into homes they deserve. Their ultimate goal is to get to $2B in mortgage loans in the near future. Outside of mortgages, The Carbon Team hosts a fundraiser every year for different charities and have been successful at raising life-changing amounts for each local community.

Above all, The Carbon Team works with integrity, empathy, and insurmountable knowledge about the mortgage process, bringing the human element to the game, time and time again.

Management Team

Michele Hammond

Michele Hammond

Vice President of Lending

NMLS #85839

Justin Lieberman

Justin Lieberman

Senior Vice President

NMLS #17836

Matthew Jablonski

Matthew Jablonski

Branch Business Development Manager

Recent Testimonials

“My husband and I came to this office about a first-time home mortgage. They were extremely helpful and were able to present us with different options. (I hadn’t the slightest idea what I was doing so it was very refreshing). We felt more like longtime friends… not like other places where they treat you like a just another number. At closing they made sure we knew exactly what to expect. Thanks so much for all your help!”

-Lisa P.

“The whole team was very professional and easy to work with. They answered all my questions and got back me in a timely manner when they didn’t have the answers on the spot.”


“The first word that comes to mind to describe the CrossCountry Mortgage team and process is – incredible… and incredible in every way. All members were extremely helpful, would quickly and diligently answer and follow-up to all of my questions or comments. Fast, reliable, and trustworthy. Highly recommend if you are looking for a mortgage.”


“We had an excellent experience – everyone at CrossCountry was helpful, friendly and professional. We’ll definitely recommend them to friends.”


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All loans subject to underwriting approval. Certain restrictions apply. Call for details. CrossCountry Mortgage, LLC. is an FHA Approved Lending Institution and is not acting on behalf of or at the direction of HUD/FHA or the Federal government. Certificate of Eligibility required for VA loans. NMLS3029 ( | NMLS 3029

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