Christina Carey

About Christina

I'm an American mortgage advisor based in Milan, with a degree in languages earned in the United States, and I've been navigating the Italian system as a foreigner for over ten years. Before Milan, I lived in Paris for five years — which is where I became fluent in French and where I developed a deep understanding of francophone clients' expectations.

I obtained Italian citizenship and bought my own apartment in Milan using an Italian mortgage — as a foreigner with no prior Italian credit history. I've been through exactly what my clients go through, which means I know precisely where the process gets hard and where it doesn't need to be.

Through my partnership with Facile.it — Italy's largest mortgage broker network — I have direct access to over 40 Italian banks, working with underwriting teams rather than retail branches. In practice this means two things for expat clients: I know which lenders will actually accept your income profile, and I negotiate from a volume position no individual applicant can match.

I'm an independent specialist broker affiliated with Facile.it. My practice at christinacarey.it focuses exclusively on expats, non-residents, foreign buyers, and Italians abroad (AIRE) navigating the Italian mortgage market.

By the numbers

Regulatory status & fees

Is Christina Carey personally licensed by OAM?

In Italy, credit mediation is reserved to companies enrolled in the OAM Elenco dei Mediatori Creditizi; individuals cannot hold a mediator number of their own. Christina Carey advises as a collaborator of Facile.it Mutui e Prestiti S.r.l. con socio unico, enrolled with the OAM under no. M23 — C.F./P.IVA 02959700168, registered office Via Sannio 3, 20137 Milano. Individuals who deal with the public on behalf of an enrolled intermediary must pass the OAM professional examination and are recorded in the OAM public register of collaborators, where Christina Carey can be verified by name.

Open the OAM record of Facile.it Mutui e Prestiti (M23) and search “Carey” under Dipendenti e Collaboratori attivi.

Who is my contract with, and what do I pay?

The mediation contract is with the regulated entity, Facile.it Mutui e Prestiti S.r.l. — not with Christina personally. There is no upfront fee, no retainer and no charge for the first consultation. The fee is 1%–4% of the mortgage amount, confirmed in writing before engagement, due only at the notary closing (rogito) and only if the mortgage completes.

Languages

I work in English and French — from the first call to the notaio signature. All documentation, bank coordination, and legal guidance is available in both languages. My French is fluent: I lived in Paris for five years before moving to Milan.

Specialisations

Guides & Resources

In-depth guides on Italian mortgages, tax regimes, and buying in Italy as an expat — written in English and French.

The team

Marco Basile works with me — with French-, Spanish- and Arabic-speaking buyers, and with those based in France or Switzerland. Who does what, and who you talk to →