Find the Right Mortgage for You
Whether you’re buying your first home, upgrading, investing, or looking to lower your monthly payment — Jet Direct Mortgage has a loan program designed for your situation.
Conventional Home Loan
Good Credit Down Payment FlexibleIdeal for buyers with solid credit and stable income. Conventional loans offer competitive rates, no mortgage insurance with 20% down, and a wide range of term options from 10 to 30 years.
Learn MoreFHA Home Loan
3.5% Down Credit FlexibleGovernment-backed FHA loans are a strong option for first-time buyers or those rebuilding credit. Qualify with a score as low as 580 and put as little as 3.5% down on your new home.
Learn MoreVA Home Loan
0% Down No PMIExclusively for active-duty service members, veterans, and eligible surviving spouses. VA loans require no down payment, no private mortgage insurance, and offer some of the lowest rates available.
Learn MoreFHA 203(k) Renovation Loan
Rehab Included One LoanPurchase a fixer-upper and finance both the purchase price and renovation costs in a single FHA loan. Perfect for buyers who want to build equity immediately through home improvements.
Learn MoreJumbo Loan
Above Conforming LimitsPurchasing a luxury or high-value property that exceeds conventional loan limits? Jet Direct’s jumbo loan programs provide flexible financing with competitive rates for premium real estate purchases.
Learn MoreFirst Time Home Buyer
Down Payment Assistance Guided ProcessBuying your first home? Our dedicated first-time homebuyer programs offer down payment assistance options, reduced MI rates, and a hands-on team to guide you every step of the way.
Learn MoreHECM for Purchase
No Monthly Payment* Senior BenefitUse a Home Equity Conversion Mortgage to purchase a new primary residence with no required monthly mortgage payments. A smart financial strategy for seniors looking to right-size their home.
Learn MoreRefinancing can lower your monthly payment, shorten your loan term, eliminate mortgage insurance, or put cash in your pocket. Choose the option that fits your goal.
Conventional Refinance
Remove PMI Lower Your RateRefinance your existing conventional or FHA loan into a conventional mortgage. A great path to eliminate PMI, reduce your interest rate, or access your home equity through a cash-out refinance.
Learn MoreFHA Streamline Refinance
No Appraisal Required Reduced DocumentationAlready have an FHA loan? The FHA Streamline Refinance lets you lower your rate with minimal documentation, no income verification in many cases, and no new appraisal needed.
Learn MoreVA IRRRL Refinance
Low Fees No AppraisalThe VA Interest Rate Reduction Refinance Loan (IRRRL) is the fastest way for veterans to lower their existing VA loan rate. Minimal paperwork, no income verification, and no out-of-pocket costs in most cases.
Learn MoreHELOC – Home Equity Line of Credit
Revolving Credit Draw as NeededTap into your home’s equity with a flexible revolving line of credit. Use funds for home improvements, debt consolidation, education, or any major expense — draw what you need, when you need it.
Learn MoreHECM Reverse Mortgage Refinance
Eliminate Payment* Increase ProceedsAlready have a reverse mortgage? Refinance your HECM to access more equity as your home value grows, secure better loan terms, or convert an existing mortgage into a reverse mortgage.
Learn MoreReverse Mortgages — Financial Freedom in Retirement
A HECM (Home Equity Conversion Mortgage) allows eligible homeowners 62 and older to convert a portion of their home equity into tax-free cash — with no required monthly mortgage payments as long as you live in the home. Jet Direct Mortgage also operates under DBA Senior Reverse Network, with dedicated specialists to guide you through every step.
HECM Reverse Mortgage
Age 62+ Required No Monthly Payments*Convert your home equity into a lump sum, monthly payments, or a flexible line of credit. You retain ownership and continue living in your home — the loan becomes due only when you sell, move, or pass away.
Learn MoreHECM for Purchase
Age 62+ Required Downsize or UpsizePurchase a new primary residence using a reverse mortgage. Combine a one-time down payment with HECM proceeds to buy the home you want — without taking on monthly mortgage payments.
Learn More*Borrowers must continue to pay property taxes, homeowner’s insurance, and maintain the home. Subject to HUD guidelines.
Bringing People Home Since 2004
Jet Direct Mortgage is a licensed direct lender — not a broker — which means we control the lending process from application to closing. That translates into faster approvals, fewer fees, and a smoother experience for you.
We serve homebuyers and homeowners across New York, New Jersey, Florida, Connecticut, and 20+ additional states. Our team of experienced loan officers delivers personalized guidance, competitive rates, and the unmatched service our clients have come to count on for over 20 years.
“From humble beginnings to where we stand today, our journey has been defined by unwavering dedication, relentless innovation, and a steadfast commitment to our customers & core values.” — Mike Spano, Founder
✅ Honesty
Transparent pricing and clear communication throughout your loan process — no surprises at the closing table.
🌟 Unmatched Service
From initial inquiry to closing day, our loan officers are available day and night to answer your questions.
🧠 Expertise
Decades of mortgage experience across purchase loans, refinancing, Non-QM programs, and reverse mortgages.
☮️ Peace of Mind
We handle the complexity so you can focus on what matters — finding and settling into your new home.
How to Get Your Mortgage with Jet Direct
We’ve streamlined the home loan process so you can go from application to closing with confidence and clarity — often in as little as 30 days.
Apply Online or Call Us
Complete our secure online application in minutes or speak directly with a licensed loan officer at 1-800-700-4JET.
Get Pre-Approved
We review your application, pull credit, and issue a pre-approval letter — often within 24 hours — so you can shop with confidence.
Choose Your Loan
Your loan officer presents the best loan options for your situation, explains the terms clearly, and locks your rate.
Processing & Underwriting
We handle documentation, order the appraisal, and work through underwriting — keeping you updated every step of the way.
Close & Move In
Sign your closing documents, get your keys, and officially become a homeowner. We’ll be here for your next loan too.
A Loan Program for Every Situation
No two borrowers are the same. Jet Direct Mortgage is proud to offer lending solutions for a wide range of financial situations and life circumstances.
First-Time Home Buyers
Navigating the homebuying process for the first time? We’ll walk you through every step and identify down payment assistance programs available in your area.
Self-Employed Borrowers
Traditional W-2 loans don’t always fit. Our bank statement, P&L, and Non-QM programs are designed for entrepreneurs and independent contractors.
Military Veterans & Active Duty
We honor your service with VA loans featuring 0% down, no PMI, and competitive rates — plus the VA IRRRL for veterans looking to refinance.
Real Estate Investors
Scale your rental portfolio with DSCR loans that qualify based on property cash flow — not your personal income or tax returns.
Seniors 62+
Access your home equity through an FHA-insured HECM reverse mortgage. Eliminate your monthly mortgage payment and improve cash flow in retirement.
Non-U.S. Citizens
Our ITIN home loan program allows non-citizens with an Individual Taxpayer Identification Number to purchase a home in the United States.
Fixer-Upper Buyers
Purchase a home that needs work and finance the renovations in a single loan using the FHA 203(k) rehabilitation program.
Luxury Home Buyers
Purchasing a high-value property above conforming limits? Our jumbo loan programs offer competitive rates for premium real estate.
What Our Clients Are Saying
Our greatest achievement is hearing from the families we’ve helped get home. Read some of their stories below.
They always have the best rates, lowest fees and are always available to answer your questions. I won’t let my family or friends buy a home without consulting them.
From initial phone call to my mortgage closing was less than 45 days! The staff was amazing. Such an easy process — they got me a great low rate and cash in my pocket.
As first-time homebuyers, Patrice made everything feel simple and stress-free. She was incredibly knowledgeable, patient, and always one step ahead. We could not be more impressed.
She went into full mom mode — explained and explained until we knew what to expect. Everyone says buying a home is dreadful, but not here. When people love what they do, things are easy.
Thanks to Patrice, I was able to own my first home at 20 years old. She helped me close within 40 days. I’ve now referred her to 6 people and will continue to do so. I am a homeowner because of her.
Contract to closing in 35 days — we don’t know how she pulled it off. Our monthly mortgage was significantly less than estimated. Her knowledge and financial advice surpassed our expectations.
Mortgage Questions, Answered
Get straightforward answers to the questions we hear most from homebuyers, refinancers, and first-time borrowers.
Knowledge That Empowers Homebuyers
Stay informed with the latest mortgage news, tips, and guides from the Jet Direct team.
This Simple Mortgage Hack Could Save You Thousands
One often-overlooked strategy that long-time homeowners use to dramatically reduce their total interest paid.
Read More →Jet Direct Marks 20 Years of Helping Long Island Families
Celebrating two decades of bringing homeownership dreams to life across New York and beyond.
Read More →Budget-Friendly Gardening Tips for Homeowners
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