Trusted Mortgage Advisors
Mortgage guidance you can trust, from application to close.
Whether you're purchasing your first home or refinancing the one you have, our licensed advisors help you find the right loan — clear terms, straightforward advice, every step of the way.
Serving homebuyers across New York.
Loan Options
A loan for every kind of homebuyer
Conventional Loans
A strong fit for middle-income buyers with stable income and good credit who want affordable financing with a low down payment.
Commercial Loans
For business owners with a good credit record who want to finance the purchase or improvement of property used for their own business.
Reverse Loans
For homeowners 62 and older who want to supplement retirement income, make home repairs, or cover medical expenses.
FHA Loans
Government-backed financing that helps low- to moderate-income families who struggle to qualify with private lenders become homeowners.
VA Loans
For veterans, current service members, and surviving spouses — competitive rates and more flexible credit requirements.
Rehab Mortgages
For buyers with stable income and good credit who want to upgrade their current home or buy a property that needs repairs.
Investment Property Loans
For individuals or groups of investors looking to add another property to their portfolio.
Non-QM Loans
Flexible mortgage options for the self-employed, foreign nationals, investors, and borrowers with credit issues.
HELOC
A revolving line of credit secured by the equity in your home.
Why Dream Habitat
Why choose our mortgage team
We get the job done
We provide our customers with the best loan options available with minimal hassle and impressive turnaround times.
We listen to our customers
We'll walk you through the mortgage process and stay accessible at every step to answer your questions.
We know the industry
We use our broad industry network to connect you with the best professional partners, services, and products.
How It Works
From application to closing
- 01
Prequalification
Apply for prequalification and get a letter stating roughly how much you're likely to be approved for.
- 02
Application
Submit a formal loan application to your lender.
- 03
Credit Check
Your lender reviews your credit history to determine your creditworthiness.
- 04
Appraisal
Your lender orders an appraisal to confirm the property's value.
- 05
Closing
Sign your mortgage documents and close on your new home.
Mortgage Home Loans in NY
Let us walk you through the homeownership process
We'll find the perfect mortgage for you.
FAQ
Frequently asked questions
A mortgage loan is secured by real estate. Your lender agrees to loan you money to purchase a property, and you pledge that property as collateral — if you default, the lender can foreclose and sell it to recover the debt.
Refinancing replaces your existing home loan with a new one. Homeowners typically refinance to lock in a lower interest rate, shorten their loan term, or convert home equity into cash through a cash-out refinance.
The word comes from the Old French "morgage" — literally, "dead pledge."
A loan is any borrowed sum repaid over time, usually with interest. A mortgage is a specific type of loan used to buy real estate or land.
Lenders look at four things: your credit score, your debt-to-income ratio, your income and employment history, and your down payment and savings reserves. Conventional loans typically require a credit score of 620+ and a debt-to-income ratio under 43%.
Your credit score, down payment, loan term, and existing monthly debts all factor in — a higher credit score and larger down payment generally mean a lower rate, and it pays to compare more than one lender.
Beyond the loan amount, you'll pay closing costs such as appraisal, title insurance, and origination fees. Most mortgages are then repaid over 15 to 30 years through monthly payments of principal, interest, and taxes.