Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Proudly serving clients across New York, Florida and New Jersey.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 5.0 out of 5.0 from Encompass Great communication, always willing to help, and overall made the process so much easier . RichardManorville, NY Aug 10
Great communication, always willing to help, and overall made the process so much easier .
Rating: 5.0 out of 5.0 from Encompass We had a great experience working with our sales manager, Chris Moran, and the rest of fhe team throughout the home buying process. As first time homebuyers, we’re young and learning how everything works, so we had a lot of questions throughout. They were always patient, took the time to explain everything, kept us updated, and made what could h... JuliaBayport, NY Aug 05
We had a great experience working with our sales manager, Chris Moran, and the rest of fhe team throughout the home buying process. As first time homebuyers, we’re young and learning how everything works, so we had a lot of questions throughout. They were always patient, took the time to explain everything, kept us updated, and made what could h...
Rating: 5.0 out of 5.0 from Encompass I’m truly grateful for the outstanding work and professionalism demonstrated throughout the entire process. Chris Moran and his team raised the bar in every way — their communication, attention to detail, and commitment to quality made everything feel seamless and stress‑free. I deeply appreciate the care they put into their work. Thank you! PhillipEast Islip, NY Jul 06
I’m truly grateful for the outstanding work and professionalism demonstrated throughout the entire process. Chris Moran and his team raised the bar in every way — their communication, attention to detail, and commitment to quality made everything feel seamless and stress‑free. I deeply appreciate the care they put into their work. Thank you!
Rating: 5.0 out of 5.0 from Encompass Chris was always available for us. He eased our concerns and made the process smooth. JessicaEast Islip, NY Jul 06
Chris was always available for us. He eased our concerns and made the process smooth.
Rating: 5.0 out of 5.0 from Encompass We have been working with Chris for years and he always makes this process so smooth! His attention to detail and responsiveness is great and him and his team go above and beyond for their clients! Chris has an intuition of knowing what his clients need before we even ask! We will continue to work ... DanielPort St Lucie, FL Jun 18
We have been working with Chris for years and he always makes this process so smooth! His attention to detail and responsiveness is great and him and his team go above and beyond for their clients! Chris has an intuition of knowing what his clients need before we even ask! We will continue to work ...
Rating: 5.0 out of 5.0 from Encompass Secured us a great rate ! And wsas helpful and informative every step of the way ! PeterIslip, NY Jun 05
Secured us a great rate ! And wsas helpful and informative every step of the way !
Rating: 5.0 out of 5.0 from Encompass Every step was explained and thought out and made sure we understood every number. Best efforts were made to make it as easy as possible and to secure us the best rate. Chris, Lisa and Brianna were amazing and I will recommended to everyone! and use again in the future! BrittanyIslip, NY May 20
Every step was explained and thought out and made sure we understood every number. Best efforts were made to make it as easy as possible and to secure us the best rate. Chris, Lisa and Brianna were amazing and I will recommended to everyone! and use again in the future!
Rating: 5.0 out of 5.0 from Encompass Kind, realistic, and respectful! ChristineGreat River, NY Apr 27
Kind, realistic, and respectful!
Rating: 5.0 out of 5.0 from Encompass Chris Moran provided top-notch service from start to finish! Not only did he get us a great rate, but he also took the time to explain all the, often confusing, closing costs and options. His team was proactive, preventing any delays in our timeline. I felt like they truly had our back throughout the process. Working with Chris was a fantastic expe... EdwinWest Melbourne, FL Mar 13
Chris Moran provided top-notch service from start to finish! Not only did he get us a great rate, but he also took the time to explain all the, often confusing, closing costs and options. His team was proactive, preventing any delays in our timeline. I felt like they truly had our back throughout the process. Working with Chris was a fantastic expe...
Rating: 4.8 out of 5.0 from Encompass Team worked diligently against the forces of Mother Nature!! (which unfortunately, the residents of Florida could not even fathom!) TamiWest Melbourne, FL Mar 12
Team worked diligently against the forces of Mother Nature!! (which unfortunately, the residents of Florida could not even fathom!)
Rating: 5.0 out of 5.0 from Encompass Excellent service and communication CharlesShirley, NY Feb 06
Excellent service and communication
Rating: 5.0 out of 5.0 from Encompass Chris is on top of his game from the minute he is introduced to a client. He is communicatice, informative and responsive to all of your needs. I highly recommend him for both first-time and repeat home buyers. If you want someone who is genuine and trustworthy, Chris is the one. MichaelSmithtown, NY Jan 19
Chris is on top of his game from the minute he is introduced to a client. He is communicatice, informative and responsive to all of your needs. I highly recommend him for both first-time and repeat home buyers. If you want someone who is genuine and trustworthy, Chris is the one.
Rating: 5.0 out of 5.0 from Encompass Chris made the process seamless , anytime I had a question he was always available PaulIslip, NY Dec 01
Chris made the process seamless , anytime I had a question he was always available
Rating: 5.0 out of 5.0 from Encompass The process was easy and from start to finish. The entire process only took five weeks from submission of application to completed refinance funding. I was kept up to date by Chris and his team all throughout the procedure. Terry J.Mattituck, NY Nov 12
The process was easy and from start to finish. The entire process only took five weeks from submission of application to completed refinance funding. I was kept up to date by Chris and his team all throughout the procedure.
Rating: 5.0 out of 5.0 from Encompass Chris was awesome and a big help with the whole process, especially with crises near the finish line. Ultimately made what I was expecting to be a painful process, painless. Good guy, deserves a raise. Wardlaw EHoltsville, NY Sep 27
Chris was awesome and a big help with the whole process, especially with crises near the finish line. Ultimately made what I was expecting to be a painful process, painless. Good guy, deserves a raise.
Rating: 5.0 out of 5.0 from Encompass Chris Moran and his assistant Lisa were top notch in every aspect of my home purchase . Chris was easy to get a hold of and answered every question I had during the process. Chris and Lisa showed a human side to them and really cared for my family and what was best for us. It was not just business... ChristopherMiller Place, NY Sep 19
Chris Moran and his assistant Lisa were top notch in every aspect of my home purchase . Chris was easy to get a hold of and answered every question I had during the process. Chris and Lisa showed a human side to them and really cared for my family and what was best for us. It was not just business...
Rating: 5.0 out of 5.0 from Encompass Answered all my questions at any given time, provided me with excellent advice and made the overall process smooth and easy! NicoleCentereach, NY Aug 11
Answered all my questions at any given time, provided me with excellent advice and made the overall process smooth and easy!
Rating: 5.0 out of 5.0 from Encompass Chris and Lisa are amazing! KristineSanford, FL Jun 29
Chris and Lisa are amazing!
Rating: 5.0 out of 5.0 from Zillow Mr. Moran is very professional and extremely knowledgeable. He has helped us get everything done in a timely manner. We definitely recommend him for your refinancing as well as the purchase of a new home. We couldn’t be more happier. BrunoHobart, NY Mar 24
Mr. Moran is very professional and extremely knowledgeable. He has helped us get everything done in a timely manner. We definitely recommend him for your refinancing as well as the purchase of a new home. We couldn’t be more happier.
Rating: 5.0 out of 5.0 from Zillow My husband and I have been working with Chris for the last 15 year and will never use another mortgage lender. He is the most trustworthy and honest person and has always put our needs first to get us the best deals. He is patient, kind, and will walk you step by step thru the process. You won’t find a more honest or reliable person in the indus... Magickarpus4Bay Shore, NY Mar 24
My husband and I have been working with Chris for the last 15 year and will never use another mortgage lender. He is the most trustworthy and honest person and has always put our needs first to get us the best deals. He is patient, kind, and will walk you step by step thru the process. You won’t find a more honest or reliable person in the indus...