Cosmo explained the whole process of building credit in detail, and really helped me understand what I need to do to buy a house. Highly recommend working with him!

Alyssa Corfias, Google review

Cosmo and his team weโ€™re very attentive and responded quickly. They understood my schedule being on overnights and made the effort to keep in contact with me at times they knew worked for me. The process was very quick simple and easy.

Lauren V Hess,
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Cosmo Berardinelli and Luca Foore made purchasing a home very smooth. Everything was done in the time frame that was promised. Thank You

Elaine Compton,

Communication is Key and Cosmo does a great job of getting you answers and results in a efficient matter.

Eric D. M.,

Kept us informed, no surprises, extremely easy to work with. Very important since we conducted business remotely.

Dennis C Peterson,

Cosmo and his team continuously communicate all aspects of the process in a timely manner. I was always kept up to date regarding necessary documents to submit and next steps. I will recommend Cosmo to everyone! My entire experience exceeded my expectations.

Daniel G. Capretta,

Everything was explained to me in detail. Cosmo was so great he even broke everything down as simple as possible for this first time home buyer!! Made everything smooth and easy to understand!

Victoria L Ehrman,

Cosmo helped me with my pre-approval. He is very professional and down to earth. Thank you for all of your assistance!

Tami Starr, Google review

As I unlocked the side door of my new house today with my daughter, a sign of relief flashed over me. This process for me was long, and often frustrating losing offer after offer on homes. I want to thank you all for your patience, support and flexibility working with me. You made a process that could be tough alone, very doable.

Frank Johanek, Google review

Cosmo and his team were great to work with. They are very knowledgeable and they are always responsive/available to answer questions and provide status updates. My wife and I highly recommend working with Cosmo!

Noel Wolf, Google review

I’ve only been working with Cosmo for a short time and I already feel I can trust him. This will be my first time buying a home and trust is needed! He pays attention to the small details (he even remembered me talking about my dogs training class and asked me how it went) he is honest and very easy to talk to.

Kayla Camiolo, Google review

Cosmo is an excellent lender. I tell my buyers that his close rate is extremely high because of his experience level and because he knows what to look for in the prequalification process. There are not surprises at closing. Looking forward to our next deal Cosmo!

Jennifer Woomer, Google review

Right from the start I knew I was in good hands, Cosmo educated me and made sure all of my questions were answered. Being a first time home buyer, I’m happy to have had him assist me with the process. I would definitely recommend and work with him in future. Keep up the good work.

Brett Brathwaite, Google review

Delmar Mortgage team led by Cosmo Berardinelli were truly amazing! The dedication from his staff made this process comfortable and smooth!!! Believe you me that I was constantly asking questions off business hours Kandi and Mary were patient and caring!!! By far the best team out there and highly recommend them if your looking for a quality and caring Mortgage team!!!!

Nick Sakacs, Google review

My husband and I worked with Cosmo and has been extremely helpful in assisting us to buy our first home. He walked us through what would be needed for a down payment and closing costs plus how to get our credit up to where it needs to be in order to qualify for a loan. We highly recommend using this company if you aren’t sure how to go about getting the loan. There was no hard to understand language, everything was broken down into easy to understand information.

Ashley Taylor, Google review

Cosmo is wonderful! He went above and beyond to help us not only understand our financial situation but to guide us to improve it. Other companies denied us with no real explanation but Cosmo works with you, answers all questions, did not make us feel bad, and made us feel valued. Go with him and trust him, you will not be let down.

Jamie Kuta, Google review

Cosmo and his team were a pleasure to work with. They were super responsive to my questions, and helped navigate the (typically stressful!) home buying process with ease. Highly recommend this highly professional team!

Natalie Byron, Google review

When you work with Cosmo and is team you know your clients are in good hands. I have sent numerous clients of mine to Cosmo and, he always delivered! It’s good to have a loan officer you can trust and count on. Very responsive to all my questions and my client’s questions. He also helped me and my husband refinance our house. I highly recommend his services.

Carmen Pirsan, Google review

Iโ€™ve never been so excited about a denial! LOL All jokes aside my husband and I are on a homeownership journey and weโ€™re feeling very confident after speaking with Cosmo. We have spoke to many credit people trying to help and guide us, they either went ghost or left us more confused. Cosmo walked us through and gave us a timeline to fix things and come back to review. I am excited about this journey for us and I know Cosmo will back us throughout this whole process. I canโ€™t wait til we can finally cross the finish line!

Toni Kemp, Google review

Cosmo was awesome! He was very helpful and knowledgeable. He always responded to me even if it was a weekend or after hours during the week. If I ever need a mortgage loan in the future I will be using Cosmo for sure!!

Briana Stull, Google review

Cosmo and Luca were awesome to work with. This is the second time I’ve used them for a mortgage. There were no surprises and they were very helpful at every step through the process.

Matthew, BEREA, OH

Cosmo and Luca area ALWAYS amazing to work with. They are knowledgeable, communicative and timely. Plus, they work with your clients to get them to a better place financially if needed. I would highly recommend them!!

Julie, BEREA, OH

Cosmo is patient and very knowledgeable about the entire lending process.

Jenne, BEREA, OH

Communication and a timely closing is what made it great!


Everything was great! So helpful and always available when I had questions! Such a smooth process and Cosmo help made it simple!


The overall experience with Cosmo Berardinelli and staff was great from start to finish. He provided excellent advice and answered all our questions. Being first time home buyers Cosmo and staff made it a smooth process. I would recommend to my family and friends. -Melissa


2nd time around with Cosmo handling the mortgage process for me. He delivers as promised. I knew what the rate was going to be and met a very challenging timeline. He is so responsive, too, which is critical for a home buyer! Thanks Cosmo

Christine, AURORA, OH

Cosmo, is very knowledgeable and extremely informative.

Ismael, PARMA, OH

The whole process in its entirety from start to finish went very smooth, Cosmo and his team were great..!! Jus would like to take a second & thank your whole Team for all the help๐Ÿ˜€ Cosmo, Luca, Lisa, first Home ๐Ÿ˜‰


Cosmo was always available to answer any question I had. The home buying process can be very stressful, but Cosmo made sure that he made the process as smooth as possible. We also closed on my home in record time!


To start with, Cosmo did a great job explaining what the best programs were to meet my clients needs. He made sure she found the perfect home pricing that fell right in line with what her current rent payment was. Luka and Kristi were also very efficient making sure this transaction closed on time oh, even during these tough times.


I had a lot of anxiety about refinancing, but the process went smoothly.


Everyone at Delmar made me and my wife feel confident through the loan process. We loved how easy it was after the first in person visit dealing with the company. Being millennials my wife and I loved submitting the required documents online. We also loved tracking our progress online. We were able to make an offer on a house and we closed in exactly 3 weeks, couldn?t have done it without Delmar. We will come back for our second home.

Tiberiu, PARMA, OH

Everyone at Delmar was so helpful. Our team of Cosmo and Luca were beyond amazing! So helpful and took the time to explain any answers to questions we had. They always made sure we understood and made sure they were available when we needed them. We will definitely be using Delmar for any future home purchases!

Amanda, PARMA, OH

Cosmo is very knowledgeable. He explained thoroughly the process and the choices I had to choose from. The communication was excellent. Whenever I had a question he replied to my email or text in a timely manner. Overall, an awesome experience. It was a pleasure to work with him. I highly recommend him to anyone who is thinking to purchase a home or to refinance their mortgage

Carmen, PARMA, OH

Cosmo and staff were very pleasant to work with. They always had answers for my questions I would ask. Thanks again


Cosmo you and your team rock! Thank you for making sure we always close on time. That means so much to us all involved.


Very knowledgeable team that helped me through every step of the process .I would highly recommend them to anyone .Thanks Cosmo to you and your fantastic staff.

Lawrence, Northfield, OH

Cosmo is the best lender around! Quick, efficient and knowledgeable!!

William, Ashtabula, OH

Fast and accurate information, the entire process was well organized and the entire staff easy to reach, had the answers to our questions.

Claudia, Westlake, OH

Cosmo was professional, outstanding and a very knowledgeable asset in the home purchasing process for me. He has a lifelong customer and will be referred by me to many!!! Simply OUTSTANDING ! The man was terrific !

John, Cleveland, OH

Cosmo and his office were very helpful during the entire process. They kept me up to date about every step of the process

Rawan, Lakewood, OH

Cosmo went out of his way to assist me with a mortgage after the bank I was using told me they made a mistake and could not do the loan. I was already in the process of buying when Cosmo took over and quickly got it done. I am grateful for the hard work that Cosmo and his team put in to making my dream of home ownership come true!

Aimee, Madison, OH

Cosmo was great to work with. Thanks, Tim

Timothy, Rocky River, OH

Cosmo is great person to do business with. They kept everything on track with our mortgage and got us in our house when they said they would.

David, Sheffield Vlg, OH

Buying a home is stressful! Make sure you’re using a great lender like Delmar to make it easier.

Kayleigh, Warren, OH

Cosmo and his staff are extremely attentive and efficient. Cosmo is always there to help with my questions and his response time is unmatched. Thank you so much, for every thing you have done. I appreciate you and your staff!!


If you need a lender check out Cosmo at Delmar! Very knowledgeable, quick response great to work with!

Karen, Bedford Heights, OH

Cosmo and his staff are professional, communicative, and great problem solvers.

Jonathan, Sheffield Lk, OH

Great communication with Cosmo and his team. It was a pleasure working with them. They were very helpful throughout the entire process.

Nicolae, Fairview Park, OH

Provided excellent service, answered all questions.

Kelly , Cleveland, OH

Cosmo, and his team is absolutely amazing. Love how they handle the start to finish with every client. Really appreciate the communication.

Monica, Streetsboro, OH

Cosmo was very easy to work with.


Cosmo was very accessible when I needed to talk to him. He was committed to getting things done on time. He did a great job. Donna Martin

Donna, Columbia Station, OH

Cosmo answered any and all questions we had and was very quick to get any info together that we needed. Very pleasant to talk to and deal with.

Matthew, Warren, OH

Closing and transfer of title went smoothly.

Barbara, AURORA, OH