Norman Calvo

Managing Director

NMLS ID #10339

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"Let Norman get you home!"

The mortgage and real estate industries have been Norman's passion for over 34 years. After graduating from Princeton University and traveling throughout Europe for over 5 years, Norman entered the mortgage industry and has since devoted his efforts exclusively to mortgage origination. His primary focus is making sure each and every one of his clients and referral partners receive personalized attention and dedication. This trait has enabled Norman to remain one of the country's top loan originators, consistently placing within the top 100 loan officers in the country every year.

Norman founded Universal Mortgage in 1991, growing the company to be one of New York's finest and largest mortgage brokerages; the firm was acquired by Sterling National Bank in 2012 and then most recently he joined FM Home Loans.   Both Norman and his team of extraordinarily well-trained mortgage experts, cater to the needs of a great diversity of clients — from first time homebuyers to affluent and famous executives, artists and entertainers. Norman currently resides in Brooklyn with his wife and four children.  For stress relief and fun,  Norman is an avid runner in local and national marathons and also sings with the Gotham Rock Choir here in NYC.

Super Powers

Inspiring, Trustworthy, Confidant, Experienced, Knowledgeable and a Great Singer! 


 from 15 reviews


02/18/2018 | A.J.
Norman is fast and efficient and was integral in our home buying experience . I would definitely recommend him to anyone purchasing a house, especially in New York where you have to move quickly .


12/25/2017 | B.B.
I was a first time home buyer and everyone was so nice and helpful!


12/19/2017 | C.G.
Excellent communication every step of the way. Creative and out-of-the-box thinking when things weren’t “standard”. Most importantly, they made me and my clients feel comfortable in a process that is often daunting. Edward and the whole team are terrific!


12/07/2017 | J.K.
Coming through for us when others had failed.


10/30/2017 | S.H.
Norman and his team made my dream come true! Without them I would never been able to purchase my building, which had many complicated elements to it. He and his team are always positive and keep their sense of humor, even when things get a bit difficult or complicated. Norman also helped me refinance my previous home which took some doing and creative thinking. I cannot recommend them highly enough to anyone who needs help with financing a new home. Thank you Norman!


09/10/2017 | N.L.
As first time buyers in NYC Norman and his team made the entire experience go smoothly and were always there to answer questions and help every step of the way. My wife Jesse and I highly recommend their services. Best, Nate and Jesse Lessley


09/07/2017 | M.E.
Thoroughness, calm, expertise, constant communication.


09/05/2017 | S.G.


08/01/2017 | F.M.
The team was available to address my concerns


07/31/2017 | A.E.
Norman Calvo stayed on top of all the details pertaining to my loan, gave timely feedback and insured that I locked in a lower interest rate before closing. Wonderful to work with!


05/24/2017 | D.R.
Norman is great, upbeat, easy to work with and highly knowledgeable.


05/08/2017 | P.L.
An excellent team. Attentive and thorough people who work well with each other and with the customer.


05/05/2017 | R.G.
Great experience


05/05/2017 | A.B.
Very reassuring that everything would go through, which it did.


05/02/2017 | M.L.
Norman Calvo was totally professional, went way beyond the expected, and has my highest recommendation