9 Best Mortgage Companies in New York City

Are you looking for Mortgage Companies in New York City to meet your needs? Here is a list of the top Mortgage Companies in New York City available only on NewYorklists.


List of New York City Mortgage Companies

GuardHill Financial Corp

GuardHill, established in 1992, stands as a prominent privately-held mortgage specialist within the United States. The company’s core objective involves customizing optimal loan programs and securing the most favorable rates that align with the distinctive credit profiles of each borrower. GuardHill offers an array of product options designed Read More...

Grayton Mortgage

Grayton Mortgage, established in 2013, operates with the objective of tailoring mortgage solutions that align with the distinct financial requirements of its clients. The company acknowledges the prevailing gaps in the lending market that often leave clients underserved. With a commitment to addressing this issue, Grayton Mortgage was founded to si Read More...

Luxury Mortgage Corp

Luxury Mortgage Corp is a full-service residential mortgage banking firm that has been providing top-quality mortgage products to consumers since 1996. With headquarters in Stamford, CT and branch locations across the country, including in Manhattan, NYC, they are committed to serving their clients in the communities where they live and work. Luxur Read More...

Homebridge Financial Services, Inc

Homebridge Financial Services, Inc. operates as a non-bank mortgage lending company situated in Manhattan, NYC. Boasting a wealth of over 30 years of experience, the firm is dedicated to facilitating every customer’s aspiration of homeownership by streamlining the mortgage lending process. The company recognizes that securing a mortgage can p Read More...

Adam Dahill

Adam Dahill located in Manhattan, NYC is a Loan Officer in Citizens Bank. his team of mortgage experts at Citizens Bank is committed to helping customers find the home loan solution that’s right for them. Citizens is one of the nation’s oldest and largest financial institutions, with a nearly 200-year history of serving customers and communitie Read More...

Block Financial Resources

Block Financial Resources located in Manhattan, NYC offers an increasingly rare and unbiased approach to helping you find your mortgage loan. In an industry dominated by big banks, BFR believes strongly in their Mortgage Broker model. Their commissions do not vary borrower to borrower with Their lenders, and BFR’s digital process allows them to r Read More...

Great Northern Mortgage Corp

Great Northern Mortgage Corp is a Manhattan, New York based mortgage brokerage firm that specializes in providing unparalleled service through a broad range of loan products. Whether you are looking for Commercial Mortgage Broker, Super Jumbo Mortgage, New York home mortgage, 203k rehab loan or reverse mortgage requirements, or just do New York mor Read More...

Advisors Mortgage

Advisors Mortgage Group, located in Manhattan, NYC is the home for all of your lending needs. Advisors Mortgage Group is a multi-state mortgage banker that believes in delivering a seamless, stress-free mortgage experience to all of their customers. They also believe in the importance of giving back to the community. Founded in 1999 by a single loa Read More...

Amerifund Home Mortgage

Amerifund Alternative Lending Division (a division of Amerifund Home Mortgage, LLC) Founded in 2003 is a New York City based private investment firm that provides competitive Jumbo and Super Jumbo mortgage financing solutions for business professionals, investors, and entrepreneurs. Amerifund Alternative Lending Division is a direct lender providin Read More...



Frequently Asked Questions


Q: What is a mortgage loan?

A: A mortgage loan is a type of loan that individuals or businesses use to purchase real estate, such as a home or commercial property. The borrower (mortgagor) receives funds from a lender (mortgagee) and agrees to repay the loan over a specified period, usually with interest. The property serves as collateral for the loan, meaning the lender can take ownership of the property if the borrower fails to repay the loan as agreed.

Q: What are the different types of mortgage loans available?

A: There are several types of mortgage loans available in New York City, including:
- Conventional mortgages: Offered by banks and mortgage companies, these loans typically require a down payment of at least 20%.
- FHA (Federal Housing Administration) loans: Backed by the government, these loans have lower down payment requirements and are suitable for first-time homebuyers.
- VA (Veterans Affairs) loans: Available to eligible veterans and active-duty military personnel, these loans often offer favorable terms and do not require a down payment.
- Jumbo loans: Designed for financing higher-priced properties that exceed conventional loan limits.
- Adjustable-rate mortgages (ARMs): Interest rates on these loans may fluctuate over time.
- Fixed-rate mortgages: Interest rates remain constant throughout the loan term.
- USDA loans: Offered by the U.S. Department of Agriculture, these loans are designed for rural property buyers.

Q: How do I qualify for a mortgage loan?

A: Qualifying for a mortgage loan involves several factors, such as:
- Credit score: Lenders prefer borrowers with a good credit score (usually above 620).
- Debt-to-income ratio: Lenders evaluate your ability to manage monthly payments based on your income and existing debts.
- Employment and income stability: A steady job and sufficient income to cover the mortgage payments are essential.
- Down payment: A larger down payment can improve your chances of approval and may lead to better loan terms.
- Property appraisal: The property you intend to purchase will be appraised to determine its value and condition.
- Mortgage pre-approval: Getting pre-approved for a mortgage can give you a better idea of your budget and improve your negotiating position with sellers.

Q: What is the difference between pre-qualification and pre-approval?

A: Pre-qualification and pre-approval are two different stages in the mortgage application process:
- Pre-qualification: This is an initial assessment based on basic information provided by the borrower. It gives you an estimate of how much you might be able to borrow, but it does not guarantee loan approval.
- Pre-approval: In this stage, the lender reviews your financial information in more detail, such as credit history, income, and assets. Pre-approval provides a conditional commitment for a specific loan amount, which gives you a stronger position when making offers on a property.

Q: What is the role of a mortgage broker?

A: A mortgage broker acts as an intermediary between borrowers and lenders. Their role is to help borrowers find the most suitable mortgage loan by comparing offers from multiple lenders. Mortgage brokers have access to various loan products and can negotiate on behalf of the borrower to secure competitive rates and terms. They assist with the application process and guide borrowers through the paperwork, making the mortgage process more convenient and efficient.

Q: What fees are involved in obtaining a mortgage?

A: When obtaining a mortgage, you may encounter several fees, including:
- Application fee: The fee to apply for a mortgage loan.
- Appraisal fee: The cost of assessing the property's value.
- Origination fee: A fee charged by the lender for processing the loan.
- Closing costs: Fees related to the finalization of the mortgage, including title search, attorney fees, and government recording charges.
- Private Mortgage Insurance (PMI): Required if you make a down payment of less than 20%.
- Points: Optional fees paid to the lender to lower the interest rate.
- Underwriting fee: The cost of evaluating your loan application.

Q: Can I refinance my mortgage?

A: Yes, refinancing a mortgage involves replacing your existing mortgage with a new one. People often refinance to take advantage of lower interest rates, change loan terms, or access the equity in their homes. It may also help reduce monthly payments or switch from an adjustable-rate to a fixed-rate mortgage. Refinancing is subject to meeting the lender's qualification requirements and may involve closing costs similar to those in the original mortgage.

  • Mishell Kneeland - Reviewed in New York City on 2024-01-11

    Marc Kunen at Luxury Mortgage was amazing. From the beginning and helping me figure out my options (I started as someone looking for an investment property, but decided to move with friends). Our situation was complicated - especially as I am self employed. He was patient, helpful, and got it done! Highly recommend him.

  • Zhiyue Lu - Reviewed in New York City on 2023-12-04

    i had a great experience working with Kevin to get the loan for the first purchase of (town)house in my life. Kevin is very open, genuine, and is always very patient in answering my many questions. He is always available to help me when I am not familiar with the process and even the terms in loan such as escrow etc. Additionally, Kevin helped me a lot in understanding the difference of different types of loans and we even had some enjoyable math discussion since I’m a person who loves exponentials and polynomials. I feel I have learnt a lot from Kevin with this purchase and I really appreciate him answering me questions even during the off hours. I would highly recommend Kevin to my friends who will purchase or refinance in the future.

  • Charlon Velasco - Reviewed in New York City on 2023-11-27

    Kevin Ungar and Guardhill were outstanding during the process of getting our mortgage. They were on top of getting all of our paperwork as thorough and as fast as they could. Applying for your first loan is stressful but with Kevin and his team, the amount of anxiety were at a minimum and always kept us in the loop with every step within the process. Kevin was able to get us a very competitive mortgage rate. My wife and I were impress with their professionalism and dedication to get the job done. I would recommend Guardhill to anyone looking for a quality mortgage banker who is able to answer any questions you have and will do whatever it takes to help you with your financing need.

 
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