Coltrain Mortgage NMLS #10640
Thomas Russo
Coltrain Mortgage

Thomas Russo

Managing Member

Mortgage Broker — Long Island Home Loan Specialist. Helping first-time buyers, move-up buyers, and real estate investors find the right mortgage with clear guidance and a smooth path to closing.

NMLS #68839

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NMLS #68839 · Coltrain Funding Group LLC, DBA Coltrain Mortgage (NMLS #10640)
My job is to make the mortgage process feel less overwhelming and a whole lot more manageable — whether you're buying your first home, moving up, refinancing, or expanding your real estate investment portfolio.

About Me

For me, that gold comes in the form of real estate — the homes that anchor lives, hold memories, and build legacies. My name is Thomas Russo , and I'm more than a mortgage broker — I'm a builder of financial bridges , a translator of numbers into dreams , and a champion for New York's working families and retirees . Over 20 years ago, I helped build Coltrain Funding Group , a Long Island-based mortgage brokerage founded on trust, clear communication, and honest advice. Our mission is simple: help homeowners and buyers secure the best mortgage rates , fast closings , and tailored financing options — whether it's conventional, FHA, VA, jumbo, or reverse mortgages . At Coltrain Mortgage , we're not just brokers; we're a family. Our team shares one goal — helping New Yorkers, retirees, and first-time buyers achieve homeownership with confidence .

What I Bring to the Table

Broker AdvantageI work with a wide network of wholesale lenders, allowing me to shop for competitive rates and loan options tailored to your situation.
Clear CommunicationYou'll always know where things stand. I keep borrowers and agents informed every step of the way.
Solutions for Every BuyerFrom low-down-payment programs for first-time buyers to smart financing strategies for seasoned investors.
Local Market KnowledgeUnderstanding the Long Island market helps structure financing strategies that compete.
Ready to Apply?

Start your mortgage application today and take the next step toward homeownership.