About Carmelo

Construction and Renovation Loans For Over 20 Years

Fifteen years before I became a bank loan officer, I worked my way through college — first Queens College then SUNY Stony Brook — as a construction worker.

During this time I worked on a number of notable high rises across Manhattan, and I handled all phases of home building on hundreds of projects. I developed a passion for home building — it was very gratifying to have built not just houses for clients, but homes for people to make their lives in.

To learn more, call me today: 914-736-2855.

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This passion for helping people build homes never faded.

When I started banking in 1988, I immediately began researching ways that I could focus my energies on helping prospective home buyers, presenting them with as many viable financing options as possible. I found the field of construction and renovation loans, loans specially designed to help people purchase, build, renovate, and rebuild homes.

By 1993, I had become a certified renovation and construction loan specialist, few and far between. While I focus particularly on renovation and construction loans for 1- and 2-family homes, I am also well versed in loans for 3- and 4-family homes, condominiums, and co-ops.


Since the 1980s, I have stayed familiar with the constantly changing field of home construction. As a sponsor, I am active in the American Association of Home Inspectors (ASHA), participating in seminars and continuing education events as both a student and a speaker.

To date, I have closed on hundreds of millions of dollars in residential construction and renovation financing, and I would love to help you close on your project. To learn more, call me today: 914-736-2855.


If you’ve ever applied for or taken a loan before, you are familiar with how loancarmelo vitello bank lender construction loans expert officers work. If they believe you didn’t qualify for a requested loan, they apologized and showed you the door; if you qualified, they disappeared the moment you signed the paperwork.

That’s not how I work.

I make myself totally available to loan clients for every single step of the process, from the qualifying stage to the moment you first open the door of your newly completed home.

If you come to me to apply for a loan but I find that you don’t qualify, I won’t turn you away: instead, I’ll show you the problematic areas of your application and advise you on ways to improve those areas, referring you to trusted credit recovery specialists if required.

After your loan is approved I make myself available to assist you during the entire construction process: monitoring contractors and their work, comparing the draws they make from the loan to what they have accomplished, mitigating any issues that may arise during the build, and more.


I can help you achieve your goals. Let’s work together to make your dream home a reality.


I want to help you build the home of your dreams in a way that is effective, expedient, and affordable.


Let's get you into the home of your dreams quickly, painlessly, and affordably, with a loan that works for you and your situation.


You’ve bought your home — congratulations! Now, maybe you think it's time to fix things up and/or upgrade? I can help!


2 Westchester Park Drive, Suite 110
White Plains, N.Y. 10604

3 Bryant Park 15th Flr
1095 Avenue of the Americas
New York, NY 10018


Get Loans Nationwide from US Bank. No third party, No broker, You talk to the lending banker direct! Call: 914-736-2855

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