Expertise.com Homepage

2024

Last updated:

Best Mortgage Brokers in New York, NY

Our Recommended Top 20

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored New York City Mortgage Brokers on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2054Reviewed

1240Curated

20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

37 Greenpoint Avenue, Brooklyn, NY 11222
WebsiteLicense: 1104545

Expertise.com Rating

Review Sources

Google
5.0 (51)
Facebook
5.0 (13)
Yelp
5.0 (12)

Why choose this provider?

Established in 2013, Grayton Mortgage assists clients in New York City. Its mortgage brokers offer personalized customer service and mortgage products to meet the needs of customers who are underserved by large financial institutions. They are also dedicated to helping their clients through the entire mortgage process. In addition, Grayton Mortgage specializes in dealing with Florida, New Jersey, and California mortgage loan options. It also has offices located in North Carolina.

  • Refinance

140 East 45th Street, New York, NY 10017
WebsiteLicense: 1609

Expertise.com Rating

Review Sources

Yelp
4.5 (47)

Why choose this provider?

GuardHill Financial Corp. is a mortgage company that serves clients in New York City. The business helps individuals in choosing the right mortgage loans with the best interest rates. Its team of professional brokers handles a wide range of loan options such as FHA, purchase, refinance, commercial, construction, and reverse mortgage. Clients can use the calculator tool on the company's website for comparative purposes. The company has been providing its services to the community for 29 years.

  • Refinance
  • Reverse Mortgages

15 Wilkinson Avenue, Building B Floor 2 Unit 2 B-3,, Jersey City, NJ 07305
WebsiteLicense: 139369

Expertise.com Rating

Review Sources

Yelp
4.5 (12)

Why choose this provider?

Northstar Funding Inc. is a mortgage broker that serves residents of New York City and its surrounding areas. The company helps clients in looking for the best loan products and interest rates based on their mortgage needs and capabilities. Its team of brokers and loan specialists offers a wide range of loan options such as FHA, refinance, jumbo, fixed-rate, and first-time homebuyer mortgages. Northstar Funding ensures that clients are guided through the entire process for successful results.

  • Refinance

80-02 Kew Gardens Road Suite 1040, Kew Gardens, NY 11415
WebsiteLicense: 183264

Expertise.com Rating

Review Sources

Yelp
5.0 (8)

Why choose this provider?

R&J Capital is a mortgage brokerage offering its services to clients in New York City. It provides a wide selection of packages to help clients utilize various investment tools and mortgage products. The mortgage professionals at this firm assist in home purchasing and mortgage refinancing. Their loan programs include fixed-rate mortgages, VA loans, Hybrid ARM mortgages, and balloon mortgages. R&J Capital caters different languages such as Russian, Turkish, Ukrainian. Mandarin, Bengali, Spanish and Polish. They also have a seamless and secure online application process https://rjcapital.loanzify.io/register?main.

  • Refinance
  • Purchase
  • Multi-Family Loans

2001 Marcus Avenue, Lake Success, NY 11042
WebsiteLicense: 28873

Expertise.com Rating

Review Sources

Google
4.8 (51)
Facebook
3.7 (12)
Zillow
4.5 (8)

Why choose this provider?

Canyon Mortgage Corp. is a full-service brokerage firm in New York City. It has been assisting clients with purchase loans, refinancing, home equity loans, and debt consolidation since 2007. The mortgage consultants and loan officers offer a variety of loan programs, such as conventional, VA, and jumbo loans, as well as fixed-rate and reverse mortgages. They help simplify the lending process for clients by guiding them in selecting a suitable loan option. It is also licensed in California, Pennsylvania, Connecticut, Georgia, Florida, New Jersey, and Virginia.

  • Refinance
  • Reverse Mortgages

901 North Broadway, White Plains, NY 10603
WebsiteLicense: 49092

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

ABC 123 Mortgage caters to real estate professionals, builders, and individual homebuyers throughout New York City and the neighboring metros. Whether clients are purchasing new homes, consolidating debt, or refinancing loans, this full-service mortgage company provides a number of financing options, including 15 and 30-year fixed-rate, adjustable rate, hybrid ARMs, interest-only, and 2/1 Buy-Down mortgages. Construction lending options are likewise available for clients who prefer to design and build their homes from the ground up.

  • Refinance

591 Midland Avenue, Staten Island, NY 10305
WebsiteLicense: 61581

Expertise.com Rating

Review Sources

Facebook
5.0 (68)
Google
5.0 (43)
Zillow
5.0 (5)

Why choose this provider?

Flamingo Credit Inc. is a mortgage firm that has helped New York City clients in residential and commercial loans since 2008. The firm was established by Yan Genkin, a mortgage professional with over 16 years of experience in real estate financing. It offers mortgages for people who have a bad or limited credit history, self-employed borrowers, foreigners, and individuals who have filed bankruptcy or foreclosure. The company also offers cash-out refinancing as well as jumbo and super jumbo mortgages.

  • New Construction
  • Refinance
  • Multi-Family Loans

116 East 30th Street, New York, NY 10016

Expertise.com Rating

Review Sources

Google
5.0 (45)

Why choose this provider?

Panama Loans - New York City is a full-service mortgage broker with a team of experts dealing with various aspects of mortgage lending. They serve real estate clients, builders, and individual homebuyers. They also strive to find loan solutions that will fit their clients' needs and preferences. In addition, they use various mortgage tools, such as loan comparison and simple loan calculators. They also offer a special mortgage manager service for those considering to refinance their existing mortgage program.

  • New Construction
  • Refinance
  • Commercial Loans

500 Mamaroneck Avenue, Harrison, NY 10528
WebsiteLicense: 34927

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Circle Mortgage Corporation is a mortgage brokerage company that offers personalized financial services to clients in New York City and the surrounding areas. The company's owner, Dale Siegel, is committed to making the loan process simple but still adhering to the industry's standards. Siegel and her team of mortgage professionals provide creative real estate borrowing solutions for individuals and families. They strive to educate clients on the different mortgage products available. Common loan products are adjustable-rate, fixed-rate, FNMA-expanded approval, and bank statement only loans.

  • Refinance

23 Dorit Court, Staten Island, NY 10308
WebsiteLicense: 40506

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Failla Funding is a mortgage lending agency founded in 1988 that provides business funding services in the New York City area. The company specializes in arranging mortgages and providing funding solutions especially for clients who have been turned down by banks and brokers. Some of their services include residential loans, commercial loans, and construction loans. They also provide reverse mortgage services for select individuals. Failla Funding is also affiliated with NYS Department of Financial Services.

  • Commercial Loans
  • Reverse Mortgages

6709 11th Avenue, Brooklyn, NY 11219
WebsiteLicense: 1419982

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Equity Unlimited is a mortgage company offering residential and commercial lending options to borrowers in New York City. Its loan professionals help clients who are interested in applying for VOE, DSCR, and full documentation loans. It also offers government-backed loans, such as FHA and USDA. Equity Unlimited has been guiding its customers throughout the lending process for more than two decades. Its local mortgage broker, Ronnie Pham, has been serving the mortgage and real estate industry since 2004.

  • Refinance

24-18 41st Street, Queens, NY 11103
WebsiteLicense: 148447

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Amerimutual Mortgage serves the people of New York City and nearby areas. It is dedicated to matching homeowners and first-time homebuyers with the most suitable mortgage products for their needs. Some of the programs it offers to eligible borrowers are Home Equity Lines, FHA, VA, conventional, jumbo, and commercial loans. The firm's president and CEO, Philip Loria, has years of legal experience that have informed his understanding of mortgage financing and the ever-changing real estate market in New York.

  • Refinance
  • Commercial Loans

100 Cedarhurst Avenue, Cedarhurst, NY 11516
WebsiteLicense: 132830

Expertise.com Rating

Review Sources

Yelp
5.0 (88)

Why choose this provider?

Block Financial Resources is a mortgage broker that serves clients in New York City. It helps people to get pre-qualified and pre-approved by lenders so they can purchase a residential property. The company offers a variety of loan products, such as bank statement loans, coops, construction loans, downpayment assistance programs, and first-time homebuyer and jumbo mortgages. Block Financial Resources strives to educate its clients about their options to help them make informed decisions.

  • Refinance

1233 Beech Street, Atlantic Beach, NY 11509

Expertise.com Rating

Review Sources

Yelp
4.0 (5)

Why choose this provider?

Select Commercial Funding LLC is a commercial mortgage broker serving New York City. Its mortgage consultants help clients find the best possible financing solutions by offering a range of loan packages, including investment property, apartment building, and business real estate loans. Stephen A. Sobin, its founder and president, carries over three decades of experience in commercial real estate loan origination. He established State-Wide Capital Corp. in 1981, a home equity loan provider, which he later sold to Superior Bank FSB in 1995.

  • Refinance
  • Commercial Loans

2 South Division Street, Peekskill, NY 10566
WebsiteLicense: 4368

Expertise.com Rating

Review Sources

Zillow
5.0 (74)
Facebook
4.0 (71)
Yelp
5.0 (23)

Why choose this provider?

A.S.A.P. Mortgage Corp. is a mortgage brokerage that serves clients in New York City. The company specializes in offering homeowners and homebuyers various loan options that include jumbo loans, refinancing loans, debt consolidation, FHA home loans, and VA home loans. It also holds a certification as a military housing specialist with the USA Cares program. Its loan originators can speak Albanian, Farsi, Hebrew, Mandarin, and Spanish. Moreover, its founder and CEO, Irene Amato, started her career in the mortgage industry in 1996.

  • New Construction
  • Refinance

125-10 Queens Boulevard, Kew Gardens, NY 11415
WebsiteLicense: 1133788

Expertise.com Rating

Review Sources

Yelp
4.0 (8)

Why choose this provider?

MortgageDepot is a mortgage brokerage firm based in New York City that was founded in 2000. It specializes in FHA, residential, commercial, and no-income loans. Its team helps clients obtain a home purchase and renovation loan, conventional loan, condo purchase mortgage, and cash-out refinance. Commercial programs include construction, bridge, mixed-use, farm, and rehabilitation loans. Some of the company's loan officers speak Chinese, Russian, Hebrew, Spanish, Korean, and Bengali. They also assist foreign nationals and self-employed borrowers.

  • New Construction

200 Park Avenue, New York, NY 10166

Expertise.com Rating

Why choose this provider?

Freddie Mac - New York City, New York is a mortgage company that has been offering financial services to individuals and families since 1970. Its team of mortgage professionals provides home loan options for renters, homebuyers, taxpayers, and lenders. The company's single-family business segment aims to deliver sustainable homeownership. The division works with credit unions and lenders to purchase conforming and conventional loans for manufactured homes and condominiums. Some of its products are cash-out refinance, CHOICERenovation, Enhanced Relief Refinance, and Home Possible mortgages.

  • Multi-Family Loans

70-30 137th Street, Queens, NY 11367
WebsiteLicense: 52081

Expertise.com Rating

Review Sources

Google
5.0 (40)

Why choose this provider?

Summit Funding has been serving home buyers in New York City since 1987. The founder, Dave Steinberg, aims to make mortgage financing easy for clients with his relationship-based approach. His team of licensed professionals is experienced in providing professional counsel and individualized solutions that meet client preferences. They coordinate with clients throughout the process, from assessing financial risks to offering mortgage loan options. Summit Funding is also licensed to serve New Jersey, Connecticut, and Florida.

  • Refinance

48 Bakertown Road, Monroe, NY 10950
WebsiteLicense: 1660331

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

Astar Home Capital is a mortgage broker company based in New York City specializing in conventional mortgages, non-QM products, interest-only loans, home equity line-of-credit, and adjustable-rate mortgages. A licensed processing team is devoted to loan approvals for customized and residential mortgages and helping clients secure loans, whether it's buying a new home, refinancing, or investing in a commercial property, where all paperwork is handled, conditions are met, and confusion is cleared by over 80 dedicated staff.

  • Refinance

28 Bloomfield Avenue, Montville, NJ 07058

Expertise.com Rating

Review Sources

Google
4.5 (55)

Why choose this provider?

Stratton Equities is a Nationwide Private Money and NON-QM Mortgage Lender in New York City and the surrounding areas. It caters to real estate investors, and its comprehensive library of Private Money and NON-QM Mortgage Programs provides lending options to help clients achieve their investment goals. Stratton Equities has been helping real estate investors, contractors, and small business owners since 2017. Its mission is to unlock customers' real estate investment potential through mortgage services like hard money loan processing.

  • Fixed-Rate Mortgages
  • commercial real estate transactions
  • Commercial Mortgage

Compare our Top Mortgage Brokers

NameExpertise RatingAddressPromotionsLearn more
Grayton Mortgage - Brooklyn
37 Greenpoint Avenue, Brooklyn, NY 11222
GuardHill Financial Corp.
140 East 45th Street, New York, NY 10017
Northstar Funding
15 Wilkinson Avenue, Building B Floor 2 Unit 2 B-3,, Jersey City, NJ 07305
R&J Capital Group, LLC
80-02 Kew Gardens Road Suite 1040, Kew Gardens, NY 11415
Canyon Mortgage Corp - Corporate
2001 Marcus Avenue, Lake Success, NY 11042
ABC 123 Mortgage
901 North Broadway, White Plains, NY 10603
Flamingo Credit Inc.
591 Midland Avenue, Staten Island, NY 10305
Panam Loans - New York City
116 East 30th Street, New York, NY 10016
Circle Mortgage Corporation
500 Mamaroneck Avenue, Harrison, NY 10528
Failla Funding
23 Dorit Court, Staten Island, NY 10308
Equity Unlimited
6709 11th Avenue, Brooklyn, NY 11219
Amerimutual Mortgage
24-18 41st Street, Queens, NY 11103
Block Financial Resources
100 Cedarhurst Avenue, Cedarhurst, NY 11516
Select Commercial Funding LLC
1233 Beech Street, Atlantic Beach, NY 11509
A.S.A.P. Mortgage Corp.
2 South Division Street, Peekskill, NY 10566
Mortgage Depot
125-10 Queens Boulevard, Kew Gardens, NY 11415
Freddie Mac - New York City, New York
200 Park Avenue, New York, NY 10166
Summit Funding
70-30 137th Street, Queens, NY 11367
Astar Home Capital
48 Bakertown Road, Monroe, NY 10950
Stratton Equities
28 Bloomfield Avenue, Montville, NJ 07058

FAQs

  • Introduction

    It’s the American dream to buy property, and almost everyone who purchases a home does so with the help of a mortgage broker. It can be intimidating when you don’t know where to begin, what information is necessary, and how to receive a loan. A mortgage broker acts as an intermediary between the applicant and the financial institution.


    The mortgage broker’s role includes comparing loan terms across lenders to find applicants the best options, collecting paperwork the financial institution needs to analyze the application, and guiding the buyer through the underwriting and closing processes. Mortgage brokers can significantly simplify the home buying process.

  • Can mortgage brokers work across state lines?

    Yes, mortgage brokers can work across state lines. However, each state has different licensing requirements for mortgage brokers. Customers should ensure their broker can legally work in another state before going across state lines. Lastly, don’t forget the mortgage process is often time-sensitive, so being in different time zones can be problematic.

  • How do mortgage brokers find lenders?

    Mortgage brokers work independently and act as a bridge between the client and the lender. They reach out to several lenders to form a network and build professional relationships with those they work with often. They use lenders who best meet a client's rates and terms, and some lenders only do business through mortgage brokers.  

  • What credit score do mortgage brokers use?

    There are two credit scoring models in the United States: FICO and VantageScore. Mortgage lenders typically prefer to use FICO. However, each credit bureau uses a different version of the FICO score:

    • Experian uses FICO Score 2
    • Equifax uses FICO Score 5
    • TransUnion uses FICO Score 4

  • Do mortgage brokers help with refinancing?

    Yes, mortgage brokers can help with refinancing. Individuals who have a solid credit score will typically go to their bank to refinance their mortgage. However, if you don't have excellent credit, a mortgage broker may be able to secure you a better interest rate than you could get on your own.

    You pay a fee to the mortgage broker, so you'll want to consider this fee versus your savings in your cost-benefit analysis.
  • Can you work with two mortgage brokers?

    You can definitely work with two mortgage brokers. The advantage of using multiple brokers is that you'll have two people reaching out to several lenders to secure the best rate possible. However, you must ensure you provide matching information to all your brokers. If two brokers provide mismatched information about your application to the same lender, it can send off red flags and delay your approval process.

  • Do mortgage brokers get better deals?

    Yes, a mortgage broker should be able to get you a better deal. Mortgage brokers go to several lenders on your behalf and find the one with the best terms and interest rates. However, note that some mortgage brokers have preferred lenders. A broker may bring you their preferred lender's offer, even if it's not the best one; however, this isn't a regular practice.