Home Is Where Your Story Begins

Entire State of New Jersey


On A Personal Note...

When you apply to us for a mortgage, we are required to obtain a whole docket of personal information from you, about you, including things like your marital status, number of children, what you do for a living, where you work, how much you earn, how much you have etc. etc.

We at Crossroads believe that we too, are applying "to you" when you select your mortgage representative and therefore we felt it only fitting that you get an idea of who we are personally too. And so, have a look on the personal side of our key players:


Pat has been married for 30 years (and yes to the same man.) and resides in Millington, NJ. Her oldest son attended Rutgers University and is currently an active member of the Army National Guard. Pat's middle son, a graduate of Penn State with a BS degree in Management Information Sciences, is currently employed as a Mortgage Loan Originator at Crossroads Financial. Pat's youngest, her baby girl, graduated from the University of North Carolina-Chapel Hill and is now a first year law student at Boston University. In her down time, when she can find some, Pat is an avid reader and makes jewelry and gift baskets. Her favorite place - the beach! In any town, state or country! Her favorite people to spend time with " her family" hands down! Her dream a home right on the beach where the first thing she sees in the morning is the ocean with all its power, grace and godliness.


Rich is the proud father of a 6 year old daughter, 5 year old son and 12 year old step son. Residing in Hillsborough, NJ with his wife and children, their 5 cats and Puggle, we are all big animal lovers. Rich graduated from Rider University with a BS in Finance and also attended Raritan Valley Community College. Rich graduated with two associate degrees, one in Accounting and the other in Business Administration. He enjoys his free time playing and reading with his kids. He is a diehard fan of the NY Giants and the NY Mets. Rich also has a passion for the late 60's and 70's muscle cars and hopes to someday own a 1967 GTO convertible. They just don't make cars like that anymore!


A resident of Basking Ridge, NJ, Janet grew up in Fairfield, CT and is a graduate of Fairfield University. She has been married for almost 20 years and devotes almost all of her time to her 2 beautiful children. Her son just started his first year in high school and a member of the Basking Ridge High School Cross Country Team. In between meets, Jan spends a lot of time with her 12 year old daughter, taking her to dance and gymnastics. In her free time, Janet spends as much time as she can with her family in Connecticut. She and her husband are very social, enjoying dinners, block parties and all kind of sports and holiday related gatherings with college friends and the other neighborhood parents.


And then we have. "THE NEXT GENERATION"



Mike graduated from Delbarton High School in Morristown, NJ and then went on to earn his Bachelor of Science Degree in Management Information Systems at Penn State University. An avid fan of the Nittany Lions, Mike spends as many weekends as possible back in Happy Valley, especially during football season. Down time is spent with friends from his hometown, college and all the new ones he meets out about town. Mike enjoys spending time in NYC, and enjoys all sports particularly the New York Yankees and New York Giants. Mike also loves to travel and has been to Australia, Germany, Spain, Italy, Mexico, the Dominican Republic, the Caribbean, and many other locations within the US. For his future, Mike hopes to have the freedom to continue traveling and seeing the world, as well as own pieces of property on a mountain as he loves to snowboard, and on a beach for relaxation. Atop the list of dream destinations for his future travels are Hawaii, Egypt, and Greece.


Mortgage Loan Originator