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Welcome to my website, we provide a full range of mortgage options. We have built our reputation on integrity, commitment and exceptional service allowing us to grow with foundation of referrals and repeat business as far as I go I have 13 years of experience and great knowledge of all New York Home Mortgage Loans products in this industry and also being that I am known as Top Mortgage Loan Originator in the industry does help to get your loan closed faster and pushed through the process and necessary channels. My goal has always been to make sure the loans I work on are the best fit for my clients. I have never and will never place a client in a program that doesn't fit their budget or lifestyle. I take great pride in my dedication to client satisfaction. I strive to develop a trusting, honest, long term relationship with my clients so much that, at the end, we are friends or even extended family. "The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack in will." It's not whether you get knocked down; it's whether you get up." Success is never final. Failure is never fatal. It’s courage that counts." "Winning isn't everything--but wanting to win is." If winning isn't everything, then what’s the point of keeping score the harder you work, the harder it is to surrender Success is never final. Failure is never fatal. It’s courage that counts Individual commitment to a group effort -- that is what makes a team work, a company work, a society work, a civilization work."


I specialize throughout United States of America, but most of my clients come from Manhattan, Brooklyn, Bronx, Queens and Long Island.  Whether you are a New York First Time Home Buyer or an experienced buyer, I know I can assist you. I have access to many different Loan Options.  Let me find the perfect program for your situation. Purchasing a home in Manhattan, Brooklyn, Queens, Long Island, or anywhere else in USA? I have home loan products that can make your NY Home Purchase dreams come true. Being that I am a nationally ranked top FHA Loan Originator, I am very well rounded and specialize in government home loan programs. Government programs were created to make homeownership possible to more people.  


Both the NY FHA Loan and NY VA Loan are great examples. The NY FHA Home Loan  program has  a Lower Down Payment  and easier financial requirements which can be perfect for a First Time Home Buyer. Need some repairs done with while obtaining a new home loan take a look at the NY FHA 203k Mortgage Loan and what it has to offer.  New York VA Home Loans are for Veterans and their families to purchase a home with No Money Down. Maybe you don't qualify for a New York VA Mortgage Loan, so why not take a look at the New York USDA Home Loans with the option with similar qualifications and also the ability of a no money down option. I also offer Conforming Loans also known as New York Conventional Home Loans with some of the most competitive rates you will find. I have access to conventional loan programs with both fix and adjustable rates. Purchasing a home that is over the Conventional Loan Limits? No problem. Are closing costs keeping you from refinancing a mortgage? If so, a No Cost Mortgage or also known as Zero Point Mortgage this mortgage may be for you. With this type of mortgage, you won't need to pay thousands of dollars in upfront fees which can play a huge role in both refinance and purchase transactions. We also have your traditional NY Conventional Cash Out Loans just to have for a rainy day fund, or maybe you need to Consolidate Mortgage Debt. I also have access to jumbo loan programs.  Since  NY Jumbo Mortgage Loans can have higher rates, it’s important to work with someone who has experience. I have access to the most competitive jumbo rates you’ll find. When it comes to home loans there is no one size fits all program, contact me and I will find a loan that works best for you and your situation. Are you already a home owner and want to take advantage of record low rates to save money on your mortgage payments or pull cash out of your home to pay for debts, a child’s education or just have some extra spending money? I can help you too. When you Refinance, just like when you purchase a home, it’s important to know all your options. Little things can make a big difference in paying thousands of dollars for no reason. I have access to some of the most competitive refinance rates in New York. Let me run the numbers to see how much I could save you. If a refinance is not in your best interest I will be sure to tell you. I also offer the New York Harp 2.0 Mortgage Loan  The Making Home Affordable Refinance   (HARP Phase II). This program is a government backed mortgage program that allows most borrowers with existing Fannie Mae and Freddie Mac to refinance their homes even if they owe more than their home is worth, have an adjustable rate mortgage, have been turned down for a refinance loan or loan modification in the past, or just can't afford their mortgage payment anymore.


I will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs. Whether you are Purchasing your dream home, Refinancing, or Consolidating two mortgage loans and some credit card debt, I can help you find the right loan program at a very low rate no matter what your needs are. Unlike many of the larger nationwide mortgage lenders that are out there, all your information will be kept secure and private. My name is trusted throughout the community. Simply give me a call anytime and please do not hesitate also please take a moment to research me online at My Smart Loan. I am sure this will you give confidence that you have chosen a reliable person to work with in mapping out your financial future, or feel free to utilize any of the interactive tools offered throughout my site. Next what you will want to do is take a look at this  Document Checklist right here by clicking on the highlighted text, so you are prepared when starting your home buying process this will allow me to proceed and speed up your loan approval. I look forward to building a lasting relationship with you and making your dreams come true.

 
APPLY TODAY FOR A LOW COST LOW RATE HOME LOAN.
 
 
Find the solution that fits your needs.

Purchasing a Home?

Turn the home of your dreams into reality. Whether you are buying your first home, second home, or vacation property, use this FREE self-help tool to determine exactly what type of purchase loan is best for you.

 

Need to Refinance?

Save money by taking advantage of the lowest rates available. Whether you are looking to lower your rate, lower your monthly payment, or tap into your home's equity, use this FREE self-help tool to determine exactly what type of refinance solution is best for you.

 

Consolidating Debt?

Use your home to help eliminate bad debt and bundle your bills into one easy monthly payment. Whether you need to pay off high-interest credit cards or you just need cash now, use this FREE self-help tool to determine exactly what type of debt consolidation program is best for you.