VP, Mortgage Banker

Sarah DeFlorio is a Vice President of Mortgage Banking at William Raveis Mortgage. She joined the firm in 2020 alongside her mother, industry legend Melissa Cohn, as part of the Melissa Cohn Group. A graduate of Deerfield Academy and Vanderbilt University, Sarah is licensed in New York, New Jersey, Connecticut, and Florida, and is based in East Hampton, New York. Both a mortgage broker and banker, Sarah works with more than 60 investors and lenders, allowing her to offer a broad range of financing solutions and access to highly competitive rates and programs for all types of borrowers. Together, Sarah and Melissa have closed more than $970 million in loan volume since joining William Raveis Mortgage (as of December 31, 2025).

Previously, DeFlorio served as Director of Referrals at NYC real estate brokerage Stribling & Associates, where she worked for nearly a decade. In 2026, Sarah was named a HousingWire Rising Star in recognition of her leadership and contributions to the mortgage industry. She is recognized as an industry expert as a member of the Forbes Advisor Mortgage Advisory Board and proudly serves on the Board of Directors of The Ellen Hermanson Foundation, which provides vital access to state-of-the-art breast health care and services for all women on the East End of Long Island, regardless of their ability to pay.

CBSNews - "When will inflation be low enough for mortgage rates to drop? Here's what experts think."https://www.cbsnews.com/news/when-will-inflation-be-low-enough-for-mortgage-rates-to-drop/

Bankrate - "Those low intro HELOC interest rates offers: Here’s what you’re missing in the fine print."https://www.bankrate.com/home-equity/lowdown-on-how-low-heloc-intro-rate-offers-work/

Newsweek - "Map Shows States With Highest Number of People Unable to Get a Mortgage."https://www.newsweek.com/map-shows-states-highest-number-people-unable-get-mortgage-2043217/

Bankrate - "HELOCs drop to two-year lows, near 8%, and home equity loans fall too."https://www.bankrate.com/home-equity/home-equity-rates-fall-to-fresh-lows-march-12-2025/

CBSNews - "Should you use a home equity loan for your spring home renovation? Experts offer advice."https://www.cbsnews.com/news/should-you-use-a-home-equity-loan-for-your-spring-home-renovation-experts-offer-advice/

Credible - "How to Refinance a House: A Step-by-Step Guide."https://www.credible.com/mortgage/how-to-refinance-your-mortgage/

Credible - "First Time Homebuyer Programs: How They Can Help You."https://www.credible.com/mortgage/first-time-home-buyer-programs/

Better Homes & Gardens - "Do You Really Need to Put 20% Down on a House? Here's What Experts Say."https://www.bhg.com/do-you-need-20-percent-down-payment-8729256/

Credible - "What Credit Score is Needed to Buy a House?"https://www.credible.com/mortgage/credit-score-for-home-loan/

CNET - "Cut Your Mortgage Rate by 1% Today: Simple Strategies to Save Thousands."https://www.cnet.com/personal-finance/cut-your-mortgage-rate-by-1-today-7-strategies-to-save-thousands/

FOXMoney - "Minimum down payment for a house: A first-time buyer’s guide."https://www.foxbusiness.com/fox-money/mortgage/minimum-down-payment-for-house-first-time-buyer/

CBS News - "4 questions to ask before using a mortgage broker."https://www.cbsnews.com/news/questions-to-ask-before-using-a-mortgage-broker/

Homes.com - "What is a Conventional Loan? Benefits, Requirements & More."https://www.homes.com/blog/what-is-a-conventional-loan/

Homes.com - “Understanding Earnest Monday: A Guide for Prospective Homebuyers."https://www.homes.com/blog/earnest-money-deposits/

CBS News - “Is your HELOC draw period ending soon? What experts say you should know now."https://www.cbsnews.com/news/is-your-heloc-draw-period-ending-soon-what-experts-say-you-should-know-now/

CNN Underscored - “How to pay off your mortgage faster and save money on interest"https://edition.cnn.com/cnn-underscored/money/how-to-pay-off-your-mortgage-early

CBS News - “When is a reverse mortgage the best home equity option? Experts weigh in"https://www.cbsnews.com/news/when-is-reverse-mortgage-best-home-equity-option-experts/

CBS News - “4 ways to avoid mortgage rate lock extension fees"https://www.cbsnews.com/news/ways-to-avoid-mortgage-rate-lock-extension-fees/

CNN - “Interest-only mortgages: How they work and why they’re usually unwise”https://www.cnn.com/cnn-underscored/money/interest-only-mortgages

CNN - “What credit scores do you need for a mortgage?”https://www.cnn.com/cnn-underscored/money/credit-score-requirements-for-mortgage

MPA - “When is the right time to buy a house?”
https://www.mpamag.com/us/mortgage-industry/industry-trends/when-is-the-right-time-to-buy-a-house/471256

Credible - “Buying a Home? Here’s How To Get a Mortgage Pre-Approval”
https://www.credible.com/mortgage/how-to-get-preapproved

CBSNews - “Is it a good idea to take equity out of your home? Here's what experts say.”
https://www.cbsnews.com/news/is-it-good-idea-to-take-equity-out-of-home-what-experts-say/

WSJ - “Three Ways to Pay for a Home If a Traditional Mortgage Isn’t on the Table”
https://www.wsj.com/real-estate/three-traditional-mortgage-alternatives-fefd0b82?st=cjofb04bqbug0yp&reflink=desktopwebshare_permalink

Forbes - “If You’re Buying A Home, Don’t Make Any Other Major Purchases”
https://www.forbes.com/sites/terriwilliams/2023/08/29/if-youre-buying-a-home-dont-make-any-other-major-purchases/?sh=12773cdc3f4b

SFGATE - “What is mortgage insurance?”
https://www.sfgate.com/personal-finance/article/what-is-mortgage-insurance-18156427.php

Consumer Affairs - “Types of mortgage loans”
https://www.consumeraffairs.com/finance/types-of-mortgage-loans.html