About

I help blue-collar workers and first responders in New York become homeowners — even if they’ve been denied before or feel completely lost in the process. As an NYPD Sergeant and Mortgage Loan Originator (NMLS #1830011), I’ve guided hundreds of families from confusion to clear, confident pre-approvals. And through my Keys For Community Heroes Program, qualifying buyers can access up to $5,000 in lender credits to reduce their upfront costs. My approach is simple: Real answers. Real strategy. No games. No confusion. I help you: 1. Understand your real mortgage payment (not the fake online estimate). 2. Avoid the hidden mistakes that kill deals. 3. Get approved with a plan that fits your income, OT, credit, and goals. 4. Use the Keys For Community Heroes credit to save money at closing. If you’re a first responder or a blue-collar worker who wants a clear path to homeownership, you’re in the right place. Malcolm Marcelle MORTGAGE LOAN ORIGINATOR NMLS #1830011

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