Tailored Mortgage Solutions for New York Homeowners
Maple Tree Funding is a mortgage broker in NY that works with dozens of lenders to offer a wide selection of mortgage programs for both purchasing and refinancing. This allows us to work closely with you to find the best NY mortgage for your needs, developing an individualized plan and providing a level of personalized attention you just won’t find at most nationwide banks.
Conventional New York Mortgages
Fixed-Rate Mortgages
Fixed-Rate Mortgages are the type of home loan that many potential homeowners envision when they contemplate a mortgage. While the terms of these loans are pretty straightforward, there are some pros and cons to consider.
Adjustable-Rate Mortgages (ARMs)
Adjustable-Rate Mortgages (ARMs) start out with a fixed interest rate and then after a certain period of time, the interest rate—and subsequently, your mortgage payment—fluctuates based on published financial indexes.
Conforming Home Mortgage Loans
Conforming Home Mortgage Loans meet certain guidelines set forth by Fannie Mae and Freddie Mac. We’ll help you understand these guidelines and why Non-Conforming Mortgages and Jumbo Mortgages are sometimes utilized, depending on financial needs.
Government Home Mortgages Available in NY
There are also different types of Government Mortgages available. For any of these mortgage programs, one of the first steps towards home ownership will be learning whether or not you qualify, and if you don’t, what to fix in your credit report so that you do.
FHA Loans
These are loans insured by the Federal Housing Administration (FHA), and they offer several attractive benefits to those who qualify. Learn more about available Albany & Saratoga area FHA Loans.
VA Loans
These are loans that typically offer more favorable terms than conventional mortgages as the United States Department of Veterans Affairs (VA) guarantees a portion of the loan.
USDA Loans
These types of home loans are offered by the United States Department of Agriculture (USDA) and are designed to help buyers purchase homes in designated rural areas.
Bad Credit Mortgages
These loans are available for those with less than perfect credit.
Get the Assistance You Need to Obtain a New York Mortgage
If you’re looking for a trusted mortgage broker in NY, look no further than Maple Tree Funding. We’ll work with you to determine how much you can spend on a home and which types of NY mortgages might be available to you based on your financial circumstances and where you plan to purchase a home.
Start the Process
Ready to get the mortgage process started today? Begin your NY mortgage application process here.
What You'll Need
Preparing to apply for a mortgage soon? We've got you covered there, too! Review the documents you'll need to get the process started when the time comes.
Have a Question?
Give us a call today at 518-782-1202 or contact us online to learn more about the NY mortgages we offer or start the process of obtaining the home loan that’s right for you!