The 20 Best Mortgage Lenders in New York

When it comes to finding the right mortgage lender in New York, it can be overwhelming to navigate through the countless options available. From large national banks to local credit unions, the choices can vary greatly in terms of rates, fees, and customer service. That's why it's important for individuals to do their research and compare different mortgage lenders in New York to find the best fit for their financial needs.
Whether you're a first-time homebuyer or looking to refinance, there are key factors to consider when choosing a mortgage lender. Some important criteria to keep in mind include interest rates, loan terms, customer reviews, and the overall reputation of the lender. By comparing these aspects, individuals can make an informed decision and find a lender that aligns with their goals and budget.
- Competitive interest rates
- Various loan options
- Excellent customer service
- Transparent fees and terms
- Positive customer reviews
Now, without further ado, here is a list of The 20 Best Mortgage Lenders in New York to help you kickstart your search for the perfect lender.
- 1. R&J Capital Mortgage & Loan Brokers of NY
- 2. FM Home Loans
- 3. GuardHill Financial Corp: Leading Mortgage Provider
- 4. Brian Scott Cohen (NMLS #410025) at Guaranteed Rate Affinity (NMLS #1598647)
- 5. Jumbo Mortgage & Construction Mortgage
- 6. Lending Buddy
- 7. Mortgage Loan | Dream Habitat | Mortgages Loan Officer Lender New York, NY
- 8. Hard Money Lender New York #1 NYC Manhattan Bridge Capital Inc | Fix Flip Loans, Real Estate Loans, Bridge Loans
- 9. Amerifund Home Mortgage
- 10. Movement Mortgage - New York, NY
- 11. R&J Mortgage & Loan Brokers Manhattan NYC
- 12. Amerifund Home Mortgage LLC
- 13. Bank of America Home Loans
- 14. Home Loans Mortgage Lender
- 15. U.S. Bank-Adam Soffer-Mortgage Loan Officer
- 16. Lee Horen-U.S. Bank Mortgage
- 17. Erick Lore - Mortgage Loan Officer
- 18. Manhattan Mortgage Co Inc
- 19. Morris Cohen - Mortgage Loan Officer
- 20. New York Reverse Mortgage Lenders
- Monday: 8:30 AM–8 PM
- Tuesday: 8:30 AM–8 PM
- Wednesday: 8:30 AM–8 PM
- Thursday: 8:30 AM–8 PM
- Friday: 8:30 AM–8 PM
- Saturday: Closed
- Sunday: Closed
1. R&J Capital Mortgage & Loan Brokers of NY
Information and Reviews
Customers have shared positive experiences, highlighting key points such as:
- Professionalism and support throughout the process
- Quick and effective communication from the team
- Smooth and fast closing on loans
- Excellent customer service and respect
With a Rating of 5.0, R&J Capital Mortgage & Loan Brokers of NY is highly recommended by satisfied customers for their outstanding service and expertise. If you are in need of mortgage assistance, give them a call at +1 718-520-7000 or visit their website for more information.
- Monday: 9 AM–6 PM
- Tuesday: 9 AM–6 PM
- Wednesday: 9 AM–6 PM
- Thursday: 9 AM–6 PM
- Friday: 9 AM–6 PM
- Saturday: Closed
- Sunday: Closed
2. FM Home Loans
Information and Reviews
- Customers praise the team for being patient and supportive, making the loan application process manageable and understandable for first-time buyers.
- They appreciate the expert knowledge and hard work of the loan officers, ensuring the best possible results and caring about the clients' needs.
- Clients highlight the exceptional communication skills and availability of the team, making the complex mortgage process easier to navigate.
- Many customers express their intention to return to FM Home Loans for future real estate needs due to their professionalism and competitive rates.
With a perfect rating of 5.0 stars, FM Home Loans stands out for their outstanding customer service and expertise in the mortgage industry. Contact them today for all your mortgage needs!
- Monday: 8 AM–6 PM
- Tuesday: 8 AM–6 PM
- Wednesday: 8 AM–6 PM
- Thursday: 8 AM–6 PM
- Friday: 8 AM–6 PM
- Saturday: Closed
- Sunday: Closed
3. GuardHill Financial Corp: Leading Mortgage Provider
Information and Reviews
- Expertise, resourcefulness, and commitment to clients
- Seamless communication and attention to detail
- Professionalism, information, and care in guiding through the mortgage process
- Agile, efficient, trustworthy, clear, and candid communication
With a rating of 4.8 and 230 reviews, GuardHill Financial Corp has become a trusted name in the mortgage industry.
- Monday: 9 AM–5 PM
- Tuesday: 9 AM–5 PM
- Wednesday: 9 AM–5 PM
- Thursday: 9 AM–5 PM
- Friday: 9 AM–5 PM
- Saturday: Closed
- Sunday: Closed
4. Brian Scott Cohen (NMLS #410025) at Guaranteed Rate Affinity (NMLS #1598647)
Information and Reviews
- Brian and his team made the home purchase process a breeze with outstanding professionalism and clear communication.
- They provided efficient and reliable assistance throughout the loan process, earning strong recommendations.
- Customers highlight Brian's responsiveness, exceptional rate delivery, and reassuring approach, making the mortgage process stress-free.
- The team's timeliness, efficiency, and seamless experience from start to finish earned them high praise and recommendations.
For all your mortgage needs, Brian Scott Cohen at Guaranteed Rate Affinity is the trusted choice in New York.
- Monday: 8 AM–9 PM
- Tuesday: 8 AM–9 PM
- Wednesday: 8 AM–9 PM
- Thursday: 8 AM–9 PM
- Friday: 8 AM–9 PM
- Saturday: 8 AM–9 PM
- Sunday: 8 AM–9 PM
5. Jumbo Mortgage & Construction Mortgage
Information and Reviews
- Tony is an absolute pleasure to work with, offering guidance and support throughout the entire process.
- Always available and genuinely interested in addressing all customer needs.
- Extremely knowledgeable and efficient, closing deals in record time.
- Professional, responsive, and dedicated, making the home purchasing process smooth and stress-free.
If you are looking for a reliable and expert mortgage lender, look no further than Jumbo Mortgage & Construction Mortgage for an outstanding experience.
- Monday: 10 AM–8 PM
- Tuesday: 10 AM–8 PM
- Wednesday: 10 AM–8 PM
- Thursday: 10 AM–8 PM
- Friday: 10 AM–8 PM
- Saturday: Closed
- Sunday: Closed
6. Lending Buddy
Information and Reviews
- Customers praise the smooth process and 5-star service provided by the team which includes individuals like Steve Arniotes, Jean Paul, Danielle, and Steven Singotiko.
- The professionalism and dedication of the team at Lending Buddy shine through in every interaction, making the loan process stress-free and smooth.
- From timely communication to going the extra mile to make customers feel like friends rather than just clients, the team at Lending Buddy ensures that each customer receives personalized and thoughtful attention.
- Whether it's refinancing or securing a home equity loan, customers appreciate the knowledge and expertise of the staff at Lending Buddy who make the entire process quick and painless.
With a 5.0 rating and glowing reviews, it's no wonder that Lending Buddy is the go-to choice for all mortgage-related needs. Contact them today for a seamless and enjoyable financial experience.
- Monday: 9 AM–7 PM
- Tuesday: 9 AM–7 PM
- Wednesday: 9 AM–7 PM
- Thursday: 9 AM–7 PM
- Friday: 9 AM–7 PM
- Saturday: 9 AM–12 PM
- Sunday: Closed
7. Mortgage Loan | Dream Habitat | Mortgages Loan Officer Lender New York, NY
Information and Reviews
- Customers praise the knowledgeable and patient team at Dream Habitat, who make the mortgage process easy and stress-free.
- The competitive rates offered by Dream Habitat coupled with their commitment to transparency instill confidence in clients.
- Many clients highlight the professionalism of Dream Habitat's experts, who address all concerns promptly and exhibit an impressive dedication to customer satisfaction.
- German Sissa and his team are highly recommended for their professionalism and care for their clients, making the home loan process a pleasure.
Whether you are a first-time homebuyer or looking to refinance, Dream Habitat is the go-to choice for a seamless and rewarding mortgage experience.
- Monday: 9 AM–7 PM
- Tuesday: 9 AM–7 PM
- Wednesday: 9 AM–7 PM
- Thursday: 9 AM–7 PM
- Friday: 9 AM–7 PM
- Saturday: Closed
- Sunday: Closed
8. Hard Money Lender New York #1 NYC Manhattan Bridge Capital Inc | Fix Flip Loans, Real Estate Loans, Bridge Loans
Information and Reviews
- Customers appreciate the personalized and special treatment they receive, making them feel like a priority.
- Ghani, a prominent figure at the company, is praised for her attentiveness and genuine care for clients.
- The team at Manhattan Bridge Capital is commended for their professionalism, transparency, and efficient service.
- Clients have noted the easy and fast closing process, making transactions smooth and hassle-free.
If you are in need of a reliable and trustworthy hard money lender in New York, Manhattan Bridge Capital Inc comes highly recommended by satisfied customers.
- Monday: 8:30 AM–6 PM
- Tuesday: 8:30 AM–6 PM
- Wednesday: 8:30 AM–6 PM
- Thursday: 8:30 AM–6 PM
- Friday: 8:30 AM–6 PM
- Saturday: Closed
- Sunday: Closed
9. Amerifund Home Mortgage
Information and Reviews
- Great company!
- Great mortgage co.
- Highly professional staff
Customers appreciate the professionalism and efficiency of Amerifund Home Mortgage. If you're in the market for a mortgage lender you can trust, look no further than Amerifund Home Mortgage.
- Monday: 9 AM–5 PM
- Tuesday: 9 AM–5 PM
- Wednesday: 9 AM–5 PM
- Thursday: 9 AM–5 PM
- Friday: 9 AM–5 PM
- Saturday: Closed
- Sunday: Closed
10. Movement Mortgage - New York, NY
Information and Reviews
Customers have left glowing reviews for Movement Mortgage, highlighting the following key points:
- Professional and knowledgeable team
- Excellent guidance and support throughout the home buying process
- Efficient document preparation leading to early closings
- Highly recommended for a seamless home buying experience
The team at Movement Mortgage, like Rob Slifer, has received great praise for their dedication and expertise. They make sure that customers are well-prepared and informed every step of the way. With a Rating of 5.0, it's clear that Movement Mortgage is a trusted choice for all your mortgage needs.
- Monday: 8:30 AM–8 PM
- Tuesday: 8:30 AM–8 PM
- Wednesday: 8:30 AM–8 PM
- Thursday: 8:30 AM–8 PM
- Friday: 8:30 AM–8 PM
- Saturday: Closed
- Sunday: Closed
11. R&J Mortgage & Loan Brokers Manhattan NYC
Information and Reviews
- Professional and knowledgeable staff
- Excellent communication throughout the process
- Efficient and timely service
Customers appreciate the dedication and expertise of the team at R&J Mortgage & Loan Brokers Manhattan NYC, making it a go-to destination for all mortgage needs.
- Monday: 8 AM–6 PM
- Tuesday: 8 AM–6 PM
- Wednesday: 8 AM–6 PM
- Thursday: 8 AM–6 PM
- Friday: 8 AM–6 PM
- Saturday: 8 AM–6 PM
- Sunday: 8 AM–6 PM
12. Amerifund Home Mortgage LLC
Information and Reviews
- The team is wonderful, knowledgeable, thorough, detail-oriented, and provides phenomenal service.
- Eris Saari simplifies the home buying process with great communication and efficiency.
- Alan and his team show creativity and the right access to ensure the perfect timing for house transactions.
- There are warnings about potential issues, such as lies about being direct lenders, large upfront fees, and challenges in getting refunds.
If you are looking for a reliable mortgage lender with exceptional service, Amerifund Home Mortgage LLC is a great choice.
13. Bank of America Home Loans
Information and Reviews
With a solid Rating of 4.0 stars, customers have shared their positive experiences with the company. Some key points from the reviews include:
- Happy good Evening
- My family who's Ben there for me. Are memories mean the most because it is all we got!
- Positive rating with no further comments shared
- Negative rating with no further comments shared
- Positive rating with no further comments shared
Their commitment to providing excellent service and support is evident in the feedback from satisfied customers. Whether you're a first-time homebuyer or looking to refinance, Bank of America Home Loans is there to assist you every step of the way.
- Monday: 7 AM–6 PM
- Tuesday: 7 AM–6 PM
- Wednesday: 7 AM–6 PM
- Thursday: 7 AM–6 PM
- Friday: 7 AM–6 PM
- Saturday: 7 AM–6 PM
- Sunday: 7 AM–6 PM
14. Home Loans Mortgage Lender
Information and Reviews
Customer reviews highlight the following key points:
- Excellent customer service
- Efficient and timely process
- Competitive rates
Whether you are a first-time homebuyer or looking to refinance, Home Loans Mortgage Lender is dedicated to helping you every step of the way. Contact them today to discuss your mortgage needs and get started on the path to owning your dream home.
15. U.S. Bank-Adam Soffer-Mortgage Loan Officer
Information and Reviews
- Professional and personalized service tailored to individual needs.
- Expert guidance throughout the entire mortgage process.
- Efficient and reliable service that exceeds expectations.
Customers praise the team for their dedication, responsiveness, and professionalism. The team at U.S. Bank-Adam Soffer-Mortgage Loan Officer is committed to helping clients achieve their homeownership dreams.
16. Lee Horen-U.S. Bank Mortgage
Information and Reviews
Customer reviews highlight the following key points:
- Exceptional customer service and attention to detail
- Competitive rates and loan options
- Efficient and smooth loan approval process
Experience the difference that Lee Horen-U.S. Bank Mortgage can make in your home financing journey. Visit their website or contact them today to learn more about the services they offer.
17. Erick Lore - Mortgage Loan Officer
Information and Reviews
Customers have praised the business for several reasons:
- Professionalism and expertise in navigating the mortgage process
- Excellent customer service and responsiveness
- Competitive rates and flexible loan options
Whether you are a first-time homebuyer or looking to refinance, Erick Lore - Mortgage Loan Officer is committed to guiding you every step of the way. Visit their website for more information or give them a call to schedule a consultation.
18. Manhattan Mortgage Co Inc
Information and Reviews
Their team of experienced professionals is dedicated to helping clients navigate the mortgage process with ease and confidence. Whether you are a first-time homebuyer or looking to refinance, Manhattan Mortgage Co Inc offers a range of services tailored to meet your individual needs.
Customers rave about the personalized attention they receive and the seamless experience from start to finish. Here are some key points from their satisfied customers:
- Efficient and responsive communication throughout the entire process.
- Competitive rates and a variety of loan options to choose from.
- Knowledgeable staff who go above and beyond to ensure customer satisfaction.
- Smooth and stress-free closing process.
Experience the difference with Manhattan Mortgage Co Inc and let them help you achieve your homeownership goals. Contact them today to get started on your mortgage journey!
19. Morris Cohen - Mortgage Loan Officer
Information and Reviews
The company offers a range of services, including loan pre-approval, refinancing, and mortgage advice tailored to individual needs. Customers appreciate the attentive and knowledgeable staff who guide them through the lending process with ease.
- Professional and personalized service
- Knowledgeable staff assisting throughout the process
- Tailored mortgage solutions for every client
For a seamless and stress-free mortgage experience, look no further than Morris Cohen - Mortgage Loan Officer. Contact them today to start your journey towards homeownership.
- Monday: Open 24 hours
- Tuesday: Open 24 hours
- Wednesday: Open 24 hours
- Thursday: Open 24 hours
- Friday: Open 24 hours
- Saturday: Open 24 hours
- Sunday: Open 24 hours
20. New York Reverse Mortgage Lenders
Information and Reviews
Customers have left positive reviews for New York Reverse Mortgage Lenders highlighting the following key points:
- Professional and knowledgeable staff
- Efficient and quick processing of applications
- Great rates and terms offered
If you are considering a reverse mortgage, look no further than New York Reverse Mortgage Lenders for a reliable and seamless experience.
Map of Mortgage Lenders in New York
Looking to buy a home in New York? Finding the right mortgage lender is crucial in securing the best financing for your dream home. With numerous options available, it can be overwhelming to choose the right one. Our comprehensive map lists all the top mortgage lenders in New York to help streamline your search and make the process easier for you.
What factors should I consider when choosing a mortgage lender in New York?
When selecting a mortgage lender in New York, there are several key factors to keep in mind to ensure you make the best choice for your financial situation. You should consider the lender's interest rates, loan options, fees, reputation, customer service, and the overall loan process.
It is essential to compare interest rates from various lenders to find the best deal. Additionally, examine the types of loans they offer and determine if they have programs that suit your needs. You should also inquire about any additional fees involved in the loan process.
Research the lender's reputation by reading reviews, checking their ratings with the Better Business Bureau, and asking for referrals from friends or family members. Lastly, evaluate their customer service to ensure they will be responsive and helpful throughout the loan process.
How can I improve my chances of getting approved for a mortgage in New York?
To enhance your chances of being approved for a mortgage in New York, there are several steps you can take to strengthen your financial profile. Firstly, ensure your credit score is in good standing by paying bills on time, reducing debt, and checking for any errors on your credit report.
Additionally, save for a down payment to show lenders you are financially responsible and committed to purchasing a home. A larger down payment can also help you secure better loan terms. Be prepared to provide all necessary financial documentation to lenders to prove your income, assets, and employment stability.
Lastly, avoid making any major purchases or changes to your financial situation leading up to applying for a mortgage. Lenders want to see stability and consistency in your financial history to approve your loan application.
What are the types of loans offered by mortgage lenders in New York?
Mortgage lenders in New York offer a variety of loan options to accommodate different financial needs and situations. Some common types of loans include conventional loans, FHA loans, VA loans, and jumbo loans.
Conventional loans are not insured or guaranteed by the federal government and typically have stricter requirements, including higher credit scores and down payments. FHA loans are backed by the Federal Housing Administration and often require lower down payments and credit scores.
VA loans are available to eligible veterans, service members, and their families and offer competitive terms and no down payment options. Jumbo loans are for higher loan amounts that exceed the conforming loan limits set by Fannie Mae and Freddie Mac.
What is the difference between prequalification and preapproval for a mortgage in New York?
Before starting your home search in New York, it's essential to understand the difference between being prequalified and preapproved for a mortgage. Prequalification is an informal estimate of how much you may be able to borrow based on self-reported financial information and a soft credit check.
Preapproval, on the other hand, is a more formal process where a lender evaluates your financial information, pulls your credit report, and determines the specific loan amount you are approved for. Being preapproved shows sellers you are a serious buyer and can help strengthen your offer.
While prequalification can give you an idea of what you can afford, preapproval carries more weight in the homebuying process and can help you stand out in a competitive market.

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