Be Ready to Make Offers on Homes with Conviction!
Get Financed For Your Dream Home Today
MY SERVICES
Loan Programs and Products Offered
FHA HOME LOAN
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA HOME LOAN
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA HOME LOAN
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
JUMBO LOAN
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
REVERSE MORTGAGE
The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or
older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just
interest on what's left!
SPECIAL HERO HOME
The Special Hero Home Program allows for homeownership for heroes in our community!
ABOUT MY COMPANY
What I Do
I am a full-service mortgage loan officer based in Cincinnati, OH, specializing in Conventional, FHA, VA, First Time Homebuyer, and USDA loans. Whether you're buying a home or refinancing, I’m here to help you achieve your dream of homeownership or save money with a lower monthly payment.
Programs I Offer
I offer the following purchase loan programs: FHA, VA, USDA, HomePath, Jumbo, and Conventional.
Refinancing? I can help you with that, too!
I offer a wide range of refinance options to meet your needs. Whether you're looking for cash out or just a better rate and term, I can help. My refinancing programs include FHA Streamline, FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC, and Jumbo. I also offer niche programs like Non-QM Loans, Bank Statement Loans, and Jumbo Loans.
CONTACT
Feel free to text or call...
HEAR FROM MY AWESOME CLIENTS...
Michael is the best ever!!!
Michael went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Michael tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Michael, rest assured that all efforts would be exerted to make them a reality. Choosing Michael as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Michael to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!
Donald M.
Google Review
Wholeheartedly recommend working with Michael!
Michael is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Michael expertly led us, helping navigate the complexities with ease. Even after the purchase, Michael's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Michael takes truly makes individuals feel well taken care of. Working with Michael is wholeheartedly recommended for an exceptional experience!
Leticia R.
Google Review
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
I will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. I will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
I will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. I will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
Meet Michael
Hi, I’m Michael, and I’m dedicated to making your mortgage a win! I love serving my Cincinnati, OH community as a loan officer, bringing homeownership dreams to life in the place I call home. Whether you’re buying or refinancing, the mortgage process might seem stressful. But that’s not the case with CrossCountry Mortgage. My team and I have years of experience helping clients close with confidence. I’ll answer your questions in simple terms, help you through each step in home financing and do everything in my power to help you go from getting pre-approved to relaxing at home in no time. With CCM, you get more than a smooth process – you get more mortgage options, too. We have client favorites like conventional, FHA, VA, and USDA loans, plus a selection of programs you won’t find anywhere else. Ready to take the first step toward your homeownership dreams? Reach out to me and make your mortgage a win with America’s #1 Retail Mortgage Lender!
Michael Spicuzza
Sr. Loan Officer
Meet Michael
Hi, I’m Michael, and I’m dedicated to making your mortgage a win! I love serving my Cincinnati, OH community as a loan officer, bringing homeownership dreams to life in the place I call home. Whether you’re buying or refinancing, the mortgage process might seem stressful. But that’s not the case with CrossCountry Mortgage. My team and I have years of experience helping clients close with confidence. I’ll answer your questions in simple terms, help you through each step in home financing and do everything in my power to help you go from getting pre-approved to relaxing at home in no time. With CCM, you get more than a smooth process – you get more mortgage options, too. We have client favorites like conventional, FHA, VA, and USDA loans, plus a selection of programs you won’t find anywhere else. Ready to take the first step toward your homeownership dreams? Reach out to me and make your mortgage a win with America’s #1 Retail Mortgage Lender!
Michael Spicuzza
Sr. Loan Officer
Call 855-687-2331
Call 855-687-2331
Copyright © 2025 | Licensed In: FL, IN, KY & OH | Company NMLS: 3029 | NMLS # 1521222
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
Your Consent & Privacy: By providing your phone or email, you grant consent for Michael Spicuzza to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.
Copyright ©2023 | Licensed In: FL, IN, KY & OH | Company NMLS: 3029 | NMLS # 1521222