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Cross Country Mortgage

  • NameWillie Spicer
  • LicenseNMLS #: 414098
  • Phone973-460-9932
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About

Thank you for visiting my webpage. My name is William Spicer, and I am the North Region Production Manager and Loan Originator at Cross Country Club. With over 20 years of industry experience, a President’s Club and Circle of Excellence for multiple years, I have the knowledge and expertise to help you explore the financing options that are available to you. I realize that every borrower’s need is unique, and matching you to a loan product that best fits your financial profile is one of my top priorities. Jersey Mortgage is a pioneer in the residential mortgage industry, in service for over 33 years. As proud member of the Jersey Mortgage team, I share in the commitment to build, support and uplift our local communities. I have been a member of this community for over 44 years, a graduate of DePaul Catholic High School, a member of Seton Hall University’s and St Thomas University’s golf teams, and a current member of North Jersey Country Club. If you are in the market to buy your first home, then I am decidedly your First Time Home Buyer Specialist. If you are investing, building, refinancing, or are exploring down payment assistance options or the potential benefits of a reverse mortgage, allow me to deliver on my strong and proven commitment to making your home loan process as easy and affordable as possible. Let me help make you next journey a smooth and stress-free experience. Please feel free to contact me anytime by phone (office or cell), fax or email.

About Annette DeCicco

About Annette DeCicco

Director of Growth & Development | Real Estate Broker | Coach | Stager | Author

A Master's degree in education prepared me for versatile roles in real estate, as agent, managing broker, trainer, coach, and content creator for leading real estate companies, and most recently as a writer for Inman News and teacher at both Rutgers and Fairleigh Dickeson Universites' adult education programs. In simple terms, followers often say "I like the way you talk."

Annette's Published Articles on Inman.com

Broker Spotlight: How Annette DeCicco put her background in education to work to create real estate training that resonates and gets results. May 29, 2025

25 years as managing broker known for training and coaching initiatives, Annette pivoted to a role as director of growth and development, creating content across multiple brokerages and media. 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vSx41a3st9569fenM7h8rTATJy_k5CapfO44Om6QVwREYZ6G6f2Vy6nelN1KPeD6JoWKuAxtKex35LP/pub

For Subscribers Only:https://www.inman.com/2025/05/29/broker-spotlight-annette-decicco-bhhs-jordan-baris-realty/

5 burning questions about eminent domain answered March 16, 2026

In the middle of an eminent domain fight? Here's how to arm yourself and clients with information

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vTzxAjGCbMEMkI_5WfmRYyoug3Aq57kOtiDVAV_j7CQa-rLVykBpjTAFctzjdkmzH_aOM4mLIrvjW5P/pub

For Subscribers only:  https://www.inman.com/2026/03/16/5-burning-questions-about-eminent-domain-answered/?utm_source=sailthru&utm_medium=email&utm_campaign=newsletter&utm_term=amheadlines&utm_content=1113003_textlink_7_20260317&message_id=44725390.78811 

How a homeowner-turned-activist saved her neighborhood from eminent domain  March 12, 2026

                                                                                         

Learn how Lori Ann Vendetti leveraged her interpersonal skills to galvanize her community.

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vTP2H768DXzOsM4zfP36Q3d5VWkSz80K0V1Oc3oT0USmeFLaITqo_LIRG9T2fKecPDxkyFEIgl5yG9h/pub

For Subscribers only:  

https://www.inman.com/2026/03/12/how-a-homeowner-turned-activist-saved-her-neighborhood-from-eminent-domain/?utm_source=sailthru&utm_medium=email&utm_campaign=newsletter&utm_term=amheadlines&utm_content=1112842_textlink_8_20260313&message_id=44674988.3655


Willpower waning? 16 ways to push past barriers and power through February 4, 2026

pushing past professional barriers

Annette DeCicco argues against relying on pure willpower, which is destined to fail. Her 8 over 8 success formula depends on powerful 'situations' instead

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vQzUp_JoMh3RzJOIjUszGJ9xBK0dzTSRT9f8pC0NqZDNFlUfSqcfB_pju3O_T58iKslMR32Bg4jWVeD/pub 

For Subscribers Only: https://www.inman.com/2026/02/03/willpower-waning-16-ways-to-push-past-barriers-and-power-through/ 

Gen Z is ready to buy: Boost your business by mastering co-buying December 10, 2025

Zoomer co-buying is on the rise. Knowing what makes this generation tick and how to help them architect a deal can lead to new income streams in a stalled market, Annette DeCicco writes 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vTRnmsA3Oj2BImU6tOOgabKd5flmU5kZZg0XnIRHgXddasO6dYDGtqmxCpmCNP0YNcWyKJND7MxA5GD/pub 

For Subsribers Only: https://www.inman.com/2025/12/10/gen-z-is-ready-to-buy-boost-your-business-by-mastering-co-buying/

Foreclosures are on the rise. Here's how to lean into the shift and develop a new income stream October 19, 2025

With foreclosure activity ticking upward, agents can learn from seasoned REO pros to build new streams of income during an economic downturn, Annette DeCicco writes 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vQBJcbzUJntvMFI0BSQ5HDFVTdfxqq3XUO5OfrXciIlE8WstSEHn54w2PUC0n9NtFFWspASehAomOBz/pub

For Subsribers Only: https://www.inman.com/2025/10/19/foreclosures-are-on-the-rise-lean-into-the-shift-and-develop-a-new-income-stream/ 

Stop losing deals: Ask 'why' to find buyers who won't back out November 10, 2025

Asking the right questions that start with 'why' can reveal your buyers' true motivations and keep contracts from falling apart, writes broker Annette DeCicco 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vRjegzF7DyeeaaD0Lryq1_eWwrE2sNQNP0cR4lp8LQmVP1bJ18VTpysqp5gQ6uyc_IQqxBFWv73I7hy/pub 

For Subscribers Only: https://www.inman.com/2025/11/10/stop-losing-deals-ask-why-to-find-buyers-who-wont-back-out/ 

15 tips, tricks and tools to add to your DIY home staging kit October 10, 2025

A combination of upskilling and these 15 items and strategies helps ensure that your home staging gets your listings sold, Annette DeCicco writes 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vTxl19c0MMfPuZWwCIeuWY3HEXTIVqabw9JrRPFscfN6k3KWboFavZWUf11A0hLAzNaVmrJ1ZgGQNGx/pub 

For Subscribers Only: https://www.inman.com/2025/10/10/15-tips-tricks-and-tools-to-add-to-your-diy-home-staging-kit/

3 Cliches top listing agents don't buy into during a market downtick August 14, 2025

Think smart, writes coach Annette DeCicco, and list like a pro. Hit all 3 of these smart consultation tips on pricing, condition and negotiation to win listings that sell at consistently high premiums. 

READ FREE VERSION:  https://docs.google.com/document/d/e/2PACX-1vQ4rfUyFatXt_RS8qadPeHldHlMvtLQupGS1T6AZk2zb6b4tv2VYAjGqCrpVaKx0I8p8mbS_lRCFjVZ/pub 

For Subscribers Only: https://www.inman.com/2025/08/14/3-cliches-top-listing-agents-dont-buy-into-during-a-market-downtick/ 

10 Signs you're working across the table from an inexperienced agent July 30, 2025

Annette DeCicco shares ways to spot an inexperienced agent if you're the more seasoned pro in a transaction, and mistakes to avoid if you're a newbie. 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vTC1WIIcAFmhUUi8lyUmTRxvp6YlQ38-goPLjETLa-DJiI9zl4FLHX80Hgf3FjutaClPEs9netLg4P3/pub 

For Subscribers Only: https://www.inman.com/2025/07/30/10-signs-youre-working-across-the-table-from-an-inexperienced-agent/

7 Interior Design Hacks every agent should know July 11, 2025
Real Estate Agents hon't have to be interior decorators, broker Annette DeCicco writes, but they should be able to provide design solutions so buyers can choose their own designs. 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vTy8qpf-cnDG46eLamHNqjq67Ix2NRfMkQ3VFGgVZXpuZ3W4ssbjxIF5FxPixVBoCFhW86jZ5hq5cjr/pub 

For Subscribers Only: https://www.inman.com/2025/07/11/7-interior-design-hacks-every-agent-should-know/

10 Conversion Scripts for winning over buyers this spring May 7, 2025

Be an information communicator, writes Annette DeCicco, to bring value to your buyer conversations. 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vSRX35D8J6pKpFpJPCppGlyRpZDzcHsscBoXmV0zIkam0E1HJt2p8JwXZXD49BtxrIXr-QvTf96I1Og/pub 

For Subscribers Only: https://www.inman.com/2025/05/07/10-conversion-scripts-for-winning-buyers-over-this-spring/

10 Conversation Starters to win sellers this spring May 14, 2025

Great conversations, writes Annette DeCicco, start by providing sellers information and choices so that they can confidently make decisions. Study up. Practice your lines. Everyone does. 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vRPRnvY59wuXBzvybcMzkLp1fzXthUsfp30gnpkc7rwABQfF7ddYi378MPajQw57aqqAOLuTegDXTzV/pub 

For Subscribers Only: https://www.inman.com/2025/05/14/10-conversation-starters-and-scripts-to-win-sellers-this-spring/

Women's History Month: How Nancy Garcia gives back, March 28, 2025 
Annette DeCicco writes 'learn from this South Florida agent and philanthropist to feed others before you eat, survive shutdowns, navigate lockdowns and weather a financial crisis through community service.' 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vQZncnMj9dbKBtb3W3p2rm5zsMLslUPlKIMyMRRQ46Pwq4dRm0TL1C5AT5_rhvBjIfwgZ8a1-_9W-9p/pub 

For Subscribers Only: https://www.inman.com/2025/03/28/womens-history-month-how-nancy-garcia-gives-back/

Women's History Month: How Pam Taylor focuses on the future, March 26, 2025
Annette DeCicco shares how this New Jersey real estate broker and former Goldman Sachs executive believes in diversifying your portfolio but not without making the people you touch profoundly better for it. 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vQ6v2ehF4zXYr_6zmRSZKqRBhX9NC416-4fyYGYjOc5BUYnufHmb3XogtXVdU2RgqNIPgb8cm-gvyw0/pub 

For Subscribers Only: https://www.inman.com/2025/03/26/womens-history-month-how-pam-taylor-focuses-on-the-future/

Women's History Month: How Evelyn Jay designed a 2nd career, March 21, 2025
Annette DeCicco shares how this Maryland agent took skills she learned from being a social worker and applied them to a thriving career in real estate.

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vTgFXabPHf7kCYTVtnIKhswJ-HM82vzG4n3Jb7RsVPAG5jWEdeXjXDRMJA0rs7zDft7R21YgsssYrtc/pub 

For Subscribers Only: https://www.inman.com/2025/03/21/womens-history-month-how-evelyn-jay-designed-a-2nd-career/

10 Strategies That Help Agents "Speak The Language Of Staging" - Inman

10 strategies that help agents speak the language of staging  March 3, 2025 
Annette DeCicco writes that agents must speak the language of staging fluently to win clients and educate sellers while making listings stand out in the market. 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vRVqbN8CvP0koUAKY9-LLJJug2h3yOGiPgA5prGDCSI_AUFHl7TWrnFKghFBoBN91rwfElqZJ_QZWOA/pub 

For Subscribers Only: https://www.inman.com/2025/03/03/10-strategies-that-help-agents-speak-the-language-of-staging/

inman news annette decicco nj from www.inman.com
Take your mark, get ready, fence! to generate business in 2025.  January 7, 2025

Annette DeCicco offers lessons learned from her father, a hall-of-fame fencing coach, that can be your roadmap to generating business in 2025 and beyond. 

READ FREE VERSION: https://docs.google.com/document/d/e/2PACX-1vQUWBBmMDa30bfmX91028ojZEud605YC4VlhvIwt9Sk2O5HEJ3hZXM2bqWKPOVrqBoaEGn02VV7vdQR/pub 

For Subscribers Only: https://www.inman.com/2025/01/07/take-your-mark-get-ready-fence-to-generate-business-in-2025/ 

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