Meet Michael

Michael is an experienced Mortgage Consultant with more than 30 years in the financial services industry. Passionate about guiding members through the homebuying and refinancing journey, Michael takes a thoughtful, personalized approach to every relationship—helping clients feel informed, confident, and supported at every step. With access to a broad range of lending solutions, including Conventional, FHA, VA, USDA, and second‑mortgage financing, Michael works closely with first‑time homebuyers, seasoned investors, and everyone in between to identify the right option for their unique goals. Michael is known for making the mortgage process transparent and stress‑free, taking the time to clearly explain options and answer questions so members can move forward with confidence.

Michael holds a bachelor’s degree in Business Administration from Pace University and earned an MBA from Iona College. A lifelong resident of the Westchester and Putnam County area, Michael has deep roots in the local community and a strong understanding of the region’s housing market.

Outside of work, Michael enjoys swimming—drawing on a background as a competitive swimmer—and is a member of Sedgewood Golf Club, where golf is a favorite pastime. Traveling with family is another interest.

Michael is available to meet with members and potential members at our Cortlandt Manor, Lagrange, and Mahopac branches, as well as other nearby locations. To learn more about HVCU’s mortgage programs and services, connect with Michael to discuss your home financing needs.

Important Legal Disclosures & Information

The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.