Pamela Spencer, MPA

 Cross Country Mortgage


Pamela Spencer, M.P.A.

 Senior Mortgage Loan Originator: New York, New Jersey, Florida, 

NMLS # 1280903

Ph: (516) 547- 6881

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Soon after graduating college and starting a career, I got married, and spent the next 20 years raising my children. As a stay at home mom, I did a lot of volunteer work and fundraising, which I loved and found very rewarding. I decided to obtain a master’s degree in public administration with a specialty in nonprofit management to help me with this endeavor.

What I discovered while pursuing this degree, was Americans as they aged were struggling with the economic pressures of life. It is amazing how many senior home owners still have mortgages.  For the past few years I have had the privilege to work with and assist home owner’s and home buyers with residential home loans. I have worked on numerous transactions that have included the purchase of new homes, downsizing, refinancing with a specialization in assisting seniors with reverse mortgages and even reverse purchases. 

In addition to working with seniors, I am active in the Veteran community and have assisted these men and women, who have bravely served our country with both VA loans and reverse mortgages. Anyone who served in the Vietnam War is now over 62 years old.

 Now with my children grown, I work full time, while still being active in community service.


Education & Designations

Master of Public Administration with a specialty in Nonprofit Management  LIU Post

Licensed Mortgage Loan Originator

Paralegal Certification in Real Estate and Mortgages Adelphi University

Bachelor of Fine Arts  New York Institute of Technology

Membership & Affiliations

Co-Chair AGES- Association of Generational Experts for Seniors

Board Member - The Long Island Center for Business and Professional Women

Sponsor- Operation Initiative Foundation


Cross Country Mortgage

270 Spagnoli Road

Melville, NY 11747

NMLS 3029