Loan Officer

Malcolm David Marcelle

Mortgage Loan Originator NMLS #1830011

 

 

Mortgages Made Simple.

Don’t Waste Time, Avoid the Scams, and Own Your NY Home.

ABC, Fox, Google, and CBS have recognized my work guiding hundreds of first-time homebuyers. I’ll help you understand the mortgage process, secure competitive rates, and achieve your homeownership goals with personalized support.

Book Your Mortgage Strategy Call

The Truth About Buying Your First Home.

During the homebuying process, you’ve been told…

  • You need to put 20% down
  • You need a perfect credit score
  • Buying your first home is complicated

These aren’t just misconceptions – they’re expensive myths costing you thousands each year. While you wait and save, home prices keep rising faster than your savings can grow. But why does this misconception persist? Because banks benefit when you feel overwhelmed and believe homeownership is for “other people.” They profit from your hesitation.
The truth is, your first home doesn’t need to be your dream home. It simply needs to be your first step toward building wealth instead of throwing money away on rent month after month.

So, there is a clear path forward, one that doesn’t require:

  • Perfect credit
  • Massive savings
  • Or family connections

But you won’t find this path by “just keeping saving” while the market continues to outpace your efforts. You need a different approach… one that works with your current situation, not some idealized future version of it.

 

Your Clear Path to Mortgage Approval

My experience as an NYPD Sergeant and Mortgage Loan Originator gives you something other mortgage professionals can’t: a disciplined, transparent system focused on your long-term financial success.
Here’s what you get with my mortgage services:

  • Down Payments as Low as 3%: Access specialized programs most lenders don’t mention that require minimal cash upfront.
  • Credit Scores Starting at 500: You may qualify for FHA loans with credit challenges that other lenders reject, plus receive a personalized credit improvement roadmap from my network of specialists.
  • Custom Step-By-Step Roadmap: Navigate the mortgage process with confidence using a clear, personalized plan that solves problems before they arise, even for self-employed or 1099 income clients.
  • Strategic First-Home Approach: Learn why your first property should be a wealth-building tool, not your forever home. I help identify multifamily properties that generate income while living there.

I don’t just help you get any mortgage – I provide honest, practical advice that shows you how to use your first home purchase as a foundation for LASTING financial freedom.

Book Your Mortgage Strategy Call

 

Let’s Get Started. Your Home Is Waiting.

You work hard for your money, but rent checks build someone else’s future. The families I’ve helped didn’t know where to start regarding mortgages. They simply decided to stop waiting and start building.
Your journey starts with a simple, no-pressure conversation about your situation and mortgage goals.

Your journey to homeownership is just one conversation away.

Ready To Get Started?

Fill out the form below and a mortgage professional will get back to you shortly.








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    Mortgages Made Simple.

    Don’t Waste Time, Avoid the Scams, and Own Your NY Home.

    ABC, Fox, Google, and CBS have recognized my work guiding hundreds of first-time homebuyers. I’ll help you understand the mortgage process, secure competitive rates, and achieve your homeownership goals with personalized support.

    Book Your Mortgage Strategy Call

    The Truth About Buying Your First Home.

    During the homebuying process, you’ve been told…

    • You need to put 20% down
    • You need a perfect credit score
    • Buying your first home is complicated

    These aren’t just misconceptions – they’re expensive myths costing you thousands each year. While you wait and save, home prices keep rising faster than your savings can grow. But why does this misconception persist? Because banks benefit when you feel overwhelmed and believe homeownership is for “other people.” They profit from your hesitation.
    The truth is, your first home doesn’t need to be your dream home. It simply needs to be your first step toward building wealth instead of throwing money away on rent month after month.

    So, there is a clear path forward, one that doesn’t require:

    • Perfect credit
    • Massive savings
    • Or family connections

    But you won’t find this path by “just keeping saving” while the market continues to outpace your efforts. You need a different approach… one that works with your current situation, not some idealized future version of it.

     

    Your Clear Path to Mortgage Approval

    My experience as an NYPD Sergeant and Mortgage Loan Originator gives you something other mortgage professionals can’t: a disciplined, transparent system focused on your long-term financial success.
    Here’s what you get with my mortgage services:

    • Down Payments as Low as 3%: Access specialized programs most lenders don’t mention that require minimal cash upfront.
    • Credit Scores Starting at 500: You may qualify for FHA loans with credit challenges that other lenders reject, plus receive a personalized credit improvement roadmap from my network of specialists.
    • Custom Step-By-Step Roadmap: Navigate the mortgage process with confidence using a clear, personalized plan that solves problems before they arise, even for self-employed or 1099 income clients.
    • Strategic First-Home Approach: Learn why your first property should be a wealth-building tool, not your forever home. I help identify multifamily properties that generate income while living there.

    I don’t just help you get any mortgage – I provide honest, practical advice that shows you how to use your first home purchase as a foundation for LASTING financial freedom.

    Book Your Mortgage Strategy Call

     

    Let’s Get Started. Your Home Is Waiting.

    You work hard for your money, but rent checks build someone else’s future. The families I’ve helped didn’t know where to start regarding mortgages. They simply decided to stop waiting and start building.
    Your journey starts with a simple, no-pressure conversation about your situation and mortgage goals.

    Your journey to homeownership is just one conversation away.

    Client Testimonials

    Malcolm Marcelle and his team are truly amazing. supported us every step of the process and made everything less stressful. He was there for us since day 1. Very attentive and always there to answer every questions we had. The team is incredibly knowledgeable, helpful, efficient, and amazing at their job.

    April M.

    Malcolm is very knowledgeable and attentive. He also provided great resources such as a glossary of terminologies to know when it comes to buying a house and a homebuyer guide through his website. He has been here through out the process explaining anything we don’t understand and providing clear instructions. He is easily accessible and truly cares for the success of his clients. I look forward working with him in the future.

    Naz Z.

    Malcolm and his team are the absolute best. His dedication to helping you succeed is truly remarkable. He takes the time to answer all of your questions and concerns. Our experience was no different from the other reviews. He walked us through each step of the homebuying process from pre-qualification to closing especially during a very volatile market. He provided quick solutions, guidance and invaluable knowledge. We truly felt like we were in good hands. His team was such a pleasure to work with.

    Sherrianne A.

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    We’re Commited

    To Your Future.