Biagio Maffettone: Westchester County Mortgage Loan Officer, Experience and Lending Specialties

Biagio Maffettone is a Westchester County mortgage loan officer and Vice President of Sales at Meadowbrook Financial Mortgage Bankers Corp. (NMLS #409994). For more than 20 years, he has helped homebuyers, homeowners, real estate investors and business owners across White Plains, Hartsdale, Scarsdale, Bedford, Rye and Yonkers finance their goals, from a first condo to complex jumbo, co-op and investment property loans.

A magna cum laude graduate of Boston College with an MBA in Finance and Investments from Baruch College's Zicklin School of Business, Biagio has been named a Westchester Five Star Mortgage Professional for 14 consecutive years. He is also a father of four, a youth sports coach and the author of the leadership book The First to Rise.

Key facts about Biagio Maffettone

• -Role: Vice President of Sales and Mortgage Loan Originator, Meadowbrook Financial Mortgage Bankers Corp.
• -NMLS ID: 409994
• -Experience: 20+ years in mortgage banking, real estate finance and sales leadership
• -Service area: Westchester County, NY, including White Plains, Hartsdale, Scarsdale, Bedford, Rye and Yonkers
• -Education: Graduated magna cum laude, Boston College; MBA in Finance and Investments, Baruch College, Zicklin School of Business
• -Recognition: 2026 Westchester Five Star Mortgage Professional (14th consecutive year), President's Club, Top Recruiter Award and customer service awards
• -Specialties: First-time homebuyer, FHA, VA, jumbo, condo and co-op, refinance, new construction, renovation, investment property, foreign national, commercial, bridge, hard money, fix-and-flip and cross-collateralized financing

Two decades in Westchester mortgage lending

Biagio Maffettone has spent more than 20 years in mortgage banking and real estate finance. In that time he has worked through strong markets, tight credit, record-low rates and rising ones, financing everything from a first-time buyer's starter condo to multi-property investment deals.

Along the way he moved into senior sales leadership roles at mortgage banks, building and coaching teams of loan officers.

Today, as Vice President of Sales at Meadowbrook Financial, he combines hands-on lending with leadership, and he still works directly with borrowers.

That range matters. A first-time buyer in Yonkers, a family refinancing in Scarsdale and an investor financing a fix-and-flip in Rye need very different conversations. Two decades of varied transactions mean Biagio knows which questions to ask early, before small issues turn into delays at closing.

Biagio Maffettone's mortgage specialties

Every borrower and property is different, and program availability depends on credit, income, assets, the property and lender guidelines. These are the areas where Biagio Maffettone works most often with Westchester County clients.

First-time homebuyer mortgages

: Buying a first home means juggling a down payment, credit, income, closing costs and a new monthly budget all at once. Biagio helps first-time buyers understand how those pieces fit, compare program options and build an application that holds up in underwriting. For a head start, read his guide to building a strong mortgage application and his take on mortgage affordability in 2026.

FHA and VA loans

:FHA loans are insured by the Federal Housing Administration and can allow lower down payments and more flexible credit guidelines. VA home loans are available to eligible veterans, service members and certain surviving spouses, often with no down payment. Each program has its own eligibility rules, so Biagio helps borrowers check whether they qualify and whether it is the best fit. Learn more in his guides to FHA loans and VA home loans.

Jumbo mortgages in Westchester County

In communities like Scarsdale, Rye and Bedford, home prices often push loan amounts above the conforming loan limit, which makes jumbo financing common in Westchester. Jumbo loans usually come with stricter requirements for credit, reserves and down payment, and terms vary widely between lenders. Biagio helps buyers prepare and compare options. See Biagio Maffettone's guide to jumbo mortgage loans in Westchester County.

Condo and co-op financing

Westchester has a large co-op market, particularly in communities such as Hartsdale, White Plains, Scarsdale and Yonkers. Co-op buyers need approval from both the lender and the co-op board, and many buildings set their own down payment and reserve rules. Condo financing depends on a review of the building as well as the borrower. Biagio helps buyers identify those requirements early, before they make an offer.

Refinancing

Homeowners refinance for many reasons: to change their rate or term, take cash out or move away from an adjustable-rate loan. A lower advertised rate alone does not make a refinance worthwhile. Biagio helps homeowners weigh closing costs, new terms and how long they plan to stay. Read his guide to refinancing in Scarsdale and Yonkers, and see how rate buydowns can lower payments.

New construction and renovation loans

Building a new home or renovating an older one involves different timelines, documents and loan structures than a standard resale purchase. Builder or contractor arrangements, draw schedules and the property's finished value all play a role. Biagio helps borrowers understand what lenders will need before the project begins.

Investment property and specialized financing

Biagio Maffettone also works with real estate investors and business owners on investment property, foreign national, commercial, bridge, hard money, fix-and-flip and cross-collateralized financing. These loans can differ substantially from owner-occupied mortgages. Property use, collateral, the project plan and the repayment or exit strategy all shape the terms. Borrowers should review them carefully and get advice suited to the transaction.

Serving homebuyers and investors across Westchester County

Biagio Maffettone is based in Westchester County, New York, and works with borrowers in communities including:

• White Plains: condos, co-ops and new development near the downtown and transit hubs
• Hartsdale: one of the county's most active co-op markets
• Scarsdale: single-family homes where jumbo financing and refinancing are common
• Bedford: larger properties, estates and acreage that often need jumbo or specialized financing
• Rye: waterfront and higher-priced homes, plus investment opportunities
• Yonkers: first-time buyers, condos, co-ops and multi-family investment properties

Each town has its own mix of housing types and price points, and that shapes the financing conversation. For a closer look at the local market, read Biagio's 2026 Westchester County housing market update and his mortgage guide to living in Westchester County.

Local knowledge is a starting point, not a shortcut. Every financing decision still depends on the borrower, the property, lender guidelines and current market conditions. A loan that worked for a neighbor will not necessarily be right for you.

How Biagio Maffettone works with clients

A mortgage is one of the biggest financial commitments most people make, and the process involves paperwork, deadlines, underwriting and coordination among buyers, sellers, agents, attorneys and lenders. Biagio's approach is simple: put the client's needs first, and make sure they understand every step. You can read more about how Biagio Maffettone puts clients first.

In practice, working with Biagio typically follows five steps:

1. Understand your goals. Why you are borrowing, your timeline, the property and your long-term plans.
2. Review your financial picture. Income, assets, credit, debts and anything else underwriting will consider.
3. Explain your options. The loan programs and structures that fit, and the requirements of each.
4. Compare costs and trade-offs. Looking past the interest rate to fees, monthly payment, loan terms and long-term cost.
5. Keep communication clear. What documents are needed, what comes next and who to call with questions, right through closing.

No loan officer can guarantee approval, a specific rate or a closing date. Those depend on your qualifications, the property, lender review and the market. What good guidance does is help you make decisions with accurate information and fewer surprises.

Education, credentials and recognition

Biagio Maffettone graduated magna cum laude from Boston College and earned an MBA in Finance and Investments from the Zicklin School of Business at Baruch College. That finance background shapes how he explains loan structures, costs and trade-offs to clients.

He is Vice President of Sales and a licensed mortgage loan originator at Meadowbrook Financial Mortgage Bankers Corp., NMLS #409994. You can verify his license through NMLS Consumer Access.

His recognition includes:

• Westchester Five Star Mortgage Professional for 14 consecutive years, most recently in 2026. Read more about his 2026 Five Star recognition.
• President's Club, for top sales performance
• Top Recruiter Award, for leadership and team building
• Customer service awards recognizing his client-first approach
  
  

Credentials are useful context, but every borrower should still choose a loan officer based on their own needs, the communication they experience and the terms offered.

Beyond lending: family, community and The First to Rise

Biagio Maffettone is a proud father of four, and family sits at the center of how he works. He describes his mission as serving every client as if they were family. You can read more about the family values that shaped his approach to life and work.

In the community, he coaches three Eastchester Little League baseball teams and two flag football teams in Westchester County, and he and his wife fund a yearly scholarship through the Eastchester Eagles Sports Club. He is also a multi-gallon American Red Cross blood donor. See more in his post on coaching youth baseball and flag football.

He is also the author of The First to Rise, a book on leadership, resilience and purpose drawn from his career and family life. Read about his new leadership book.

What to consider before applying for a mortgage

Biagio Maffettone suggests thinking through six questions before you start an application:

1. What is the loan for? A purchase, refinance, investment property and commercial loan each come with different options and requirements.
2. What payment fits your budget? Look at the full housing cost, including taxes, insurance, common charges or co-op maintenance, and upkeep, not just principal and interest.
3. How much cash will you need? Plan for the down payment, closing costs, reserves and any project costs.
4. What documents will you need? Expect requests for proof of income, assets, employment and credit, plus property details.
5. What is your timeline? Contract dates, rate locks, property conditions and lender processing all affect timing.
6. What do you still need answered? Ask about loan terms, fees, eligibility and risks before you decide.

Frequently asked questions about Biagio Maffettone

Who is Biagio Maffettone?

Biagio Maffettone is a Westchester County mortgage loan officer with more than 20 years of experience. He is Vice President of Sales at Meadowbrook Financial Mortgage Bankers Corp., NMLS #409994, and the author of The First to Rise.

Where does Biagio Maffettone serve clients?

He serves borrowers throughout Westchester County, New York, including White Plains, Hartsdale, Scarsdale, Bedford, Rye and Yonkers.

What types of mortgages does Biagio Maffettone offer?

He works with first-time homebuyer, FHA, VA, jumbo, condo and co-op, refinance, new construction, renovation and investment property loans, plus foreign national, commercial, bridge, hard money, fix-and-flip and cross-collateralized financing.

What is Biagio Maffettone's NMLS number?

His NMLS ID is 409994. You can verify it on NMLS Consumer Access.

Which company does Biagio Maffettone work for?

He is Vice President of Sales and a mortgage loan originator at Meadowbrook Financial Mortgage Bankers Corp.

How long has Biagio Maffettone worked in mortgage lending?

More than 20 years, including senior sales leadership roles at several mortgage banks.

What awards has Biagio Maffettone received?

He has been named a Westchester Five Star Mortgage Professional for 14 consecutive years, and he has also received the President's Club, the Top Recruiter Award and customer service awards.

Where did Biagio Maffettone go to school?

He graduated magna cum laude from Boston College and holds an MBA in Finance and Investments from Baruch College's Zicklin School of Business.

How can I contact Biagio Maffettone?

Call +1 (914) 841-2226 or use the contact page on his website.

Talk to Biagio Maffettone about your mortgage

Whether you are buying your first home, refinancing, financing an investment property or exploring a more specialized loan, the best first step is a conversation about your goals.

Call Biagio Maffettone at +1 (914) 841-2226 or send a message to get started. You can also explore his full range of lending services and follow him on Instagram.

Disclaimer

This article is for general educational purposes only. It is not a commitment to lend, an offer of credit, or financial, legal or tax advice. All loans are subject to credit approval, property eligibility and underwriting guidelines. Programs, rates, terms and requirements vary and may change without notice. Please consult a licensed loan officer, and where appropriate a real estate attorney or tax advisor, about your situation.

Biagio Maffettone, NMLS #409994. Meadowbrook Financial Mortgage Bankers Corp.