New York Mortgage Services
Expert mortgage broker serving 80+ towns across 5 New York counties. From Westchester suburbs to Long Island beaches, Buffalo to Rochester — all loan programs available including FHA, VA, Jumbo, and 203(k) Renovation loans. Local expertise, competitive rates, and fast pre-approvals statewide.
Browse by County
Explore mortgage services across New York's diverse counties — from Metro-North suburbs to Long Island beaches to upstate affordability.
Westchester County
40+ municipalities
Premier NYC suburbs with excellent schools, Metro-North access, and luxury estates.
Median Price Range: $450K - $3M+
Rockland County
15+ municipalities
Northwest suburbs offering affordability, nature, and NYC access via George Washington Bridge.
Median Price Range: $425K - $1.2M
Suffolk County
20+ municipalities
Long Island's eastern county with beach towns, wine country, and the Hamptons.
Median Price Range: $400K - $5M+
Erie County
10+ municipalities
Buffalo metro area offering affordability, waterfront living, and strong community.
Median Price Range: $175K - $450K
Monroe County
10+ municipalities
Rochester metro with excellent universities, tech jobs, and family-friendly suburbs.
Median Price Range: $185K - $500K
Popular New York Markets
Explore mortgage services in New York's most sought-after communities, from Westchester luxury to Long Island beaches to upstate affordability.
Scarsdale
Westchester County
Median: $1.8M
Bronxville
Westchester County
Median: $1.5M
Rye
Westchester County
Median: $1.6M
Nyack
Rockland County
Median: $575K
Pearl River
Rockland County
Median: $525K
Huntington
Suffolk County
Median: $650K
Smithtown
Suffolk County
Median: $625K
East Hampton
Suffolk County
Median: $2.5M
Amherst
Erie County
Median: $275K
Clarence
Erie County
Median: $300K
Pittsford
Monroe County
Median: $350K
Brighton
Monroe County
Median: $285K
All Loan Programs Available in New York
From first-time homebuyers to luxury estate purchases, we offer 14 loan programs to match every budget and scenario across New York State.
Why Buy a Home in New York?
New York State offers unmatched diversity, from world-class Westchester suburbs to Long Island beaches to affordable upstate cities. Here's why homebuyers choose the Empire State:
Elite Education
New York boasts some of the nation's best school districts. Westchester's Scarsdale, Bronxville, and Chappaqua rank in the top 1% nationally. Suffolk County offers Cold Spring Harbor and Three Village. Upstate features Pittsford and Brighton (Rochester), Williamsville (Buffalo). Over 30 districts rank in the top 100 nationally.
NYC Access
Work in Manhattan, live in New York. Westchester offers 30-50 minute Metro-North commutes from Scarsdale, Bronxville, and White Plains. Rockland provides GWB access (40-60 min). Long Island Railroad serves Suffolk County (60-90 min to Penn Station). Live suburban, work in the city.
Price Diversity
Find your perfect home at any price point. Buffalo and Rochester offer starter homes from $175K-$300K. Mid-market buyers have options from $400K-$650K in Rockland and central Suffolk. Luxury buyers enjoy Westchester estates ($1.5M-$3M+) and Hamptons oceanfront ($2.5M-$50M+). Every budget accommodated.
Lifestyle Variety
Unmatched lifestyle diversity. Westchester combines suburban safety with cultural access. Long Island offers beach communities and wine country. Rockland provides hiking and nature. Buffalo features waterfront living and affordability. Rochester combines university culture with tech jobs. Choose your ideal New York lifestyle.
Strong Appreciation
Westchester County historically appreciates 3-6% annually, especially in top school districts like Scarsdale and Bronxville. Suffolk County's Hamptons see even stronger appreciation (5-10% in premium areas). Upstate cities offer affordability with 2-4% appreciation. New York real estate is a proven long-term investment.
Infrastructure & Amenities
World-class infrastructure throughout New York. Metro-North, LIRR, and extensive highway systems. Excellent healthcare (top hospitals in NYC metro). Cultural attractions (museums, theaters, music). State parks and beaches. Strong local economies with Fortune 500 headquarters. Safe communities with excellent services.
New York Mortgage FAQs
What counties in New York do you serve?
We serve 80+ municipalities across five counties: Westchester County (40+ towns - NYC suburbs), Rockland County (15+ towns - northwest suburbs), Suffolk County (20+ towns - Long Island), Erie County (10+ towns - Buffalo metro), and Monroe County (10+ towns - Rochester metro). Our coverage spans from luxury estates in Scarsdale and the Hamptons to affordable family homes in Buffalo and Rochester.
What loan programs are available in New York?
All 14 loan programs are available throughout New York: Conventional (3% down), FHA (3.5% down), VA ($0 down for veterans), USDA ($0 down in eligible areas), Jumbo (for luxury properties), 203(k) Renovation, HomeReady, Home Possible, Refinance, HELOC, Reverse Mortgage, HomeFundIt, All In One, and HomeStyle Renovation loans.
What is the median home price in New York?
New York home prices vary dramatically by region. Westchester County ranges from $450K to $3M+ (Scarsdale averages $1.8M). Rockland County ranges from $425K to $1.2M. Suffolk County (Long Island) ranges from $400K to $5M+ (Hamptons). Erie County (Buffalo) ranges from $175K to $450K. Monroe County (Rochester) ranges from $185K to $500K. We specialize in all price ranges with appropriate loan programs for each market.
How long does it take to commute from Westchester County to NYC?
Westchester County offers excellent NYC commutes via Metro-North Railroad. Towns like Scarsdale, Bronxville, and Rye offer 30-40 minute express trains to Grand Central Terminal. White Plains and Tarrytown range from 40-50 minutes. The Metro-North Harlem, Hudson, and New Haven lines provide frequent service throughout the day, making Westchester ideal for Manhattan commuters seeking suburban living.
What are the best school districts in New York?
New York has exceptional school districts across all regions. Westchester County boasts Scarsdale, Bronxville, Rye, Edgemont (Greenburgh), and Chappaqua (all nationally ranked top 100). Suffolk County features Cold Spring Harbor, Three Village (Stony Brook), and Jericho. Erie County has Williamsville and Clarence. Monroe County offers Pittsford and Brighton. Many districts rank in the top 5% nationally for academics, college prep, and extracurriculars.
Do I need a larger down payment for homes in Westchester County?
No, Westchester County follows the same down payment requirements as other areas. FHA loans require 3.5% down, Conventional loans as low as 3%, VA and USDA loans offer $0 down for eligible buyers. However, given Westchester's higher home prices ($450K-$3M+), many buyers opt for 10-20% down to avoid PMI and secure better rates. We work with buyers at all price points from first-time buyers to luxury estate purchases.
What is the property tax situation in New York?
New York property taxes vary by county and municipality. Westchester County ranges from 1.5% to 2.8% (Scarsdale averages 2.1%). Rockland County averages 2.2-2.8%. Suffolk County ranges from 1.8-2.5%. Erie and Monroe Counties are lower at 2.5-3.5%. While NY has higher property taxes than many states, this is offset by exceptional schools, infrastructure, and services. We factor property taxes into your debt-to-income calculations during pre-approval.
Can you help with jumbo loans for luxury homes in Westchester or the Hamptons?
Absolutely! We specialize in jumbo mortgages for New York's luxury markets. Westchester County towns like Scarsdale ($1.8M median), Bronxville ($1.5M), and Rye ($1.6M) frequently require jumbo loans. Suffolk County's Hamptons (East Hampton $2.5M+ median) are premium markets we serve regularly. Jumbo loans typically require 10-20% down, credit scores of 700+, and additional cash reserves, but offer competitive rates for well-qualified borrowers.
How quickly can I get pre-approved for a New York mortgage?
Most buyers receive pre-approval within 24-48 hours. We offer fast pre-approvals with competitive rates across all New York markets. Our pre-approval process includes a thorough review of your credit, income, and assets to provide you with a strong offer when competing in New York's competitive real estate markets, especially in Westchester County and Long Island where multiple offers are common.
What makes New York a good place to buy a home?
New York offers exceptional quality of life across diverse markets: Westchester combines top-ranked schools with 30-50 minute NYC commutes. Rockland offers affordability with nature access. Suffolk County provides beach lifestyle and wine country. Buffalo (Erie County) offers low cost of living with waterfront access and strong community. Rochester (Monroe County) combines university culture with tech jobs and family-friendly suburbs. New York provides options from $175K starter homes to $5M+ estates, all with strong property appreciation and excellent amenities.
Ready to Buy Your New York Home?
Get pre-approved today and start your journey to homeownership in Westchester, Rockland, Suffolk, Erie, or Monroe County. Expert guidance, competitive rates, and fast approvals across all 80+ towns.
Licensed mortgage broker serving New York since 2010 • All loan programs available • Fast 24-48 hour pre-approvals