Mortgage Company in East Harlem, NY 10029
How to Pick the Best East Harlem, NY Mortgage Lender to Meet Your Needs
Are you thinking about buying a new house in East Harlem, NY and you’re looking for a mortgage lender so you can get prequalified for a loan? Do you already own a home and you’re searching for the best mortgage refinance companies so you can take advantage of the record-low interest rates? Either way, if you’re looking for a mortgage company in the Manhattan, NY area, contact Jet Direct Mortgage. Our team of licensed and experienced brokers has been helping the local community secure the financing they need for rates that they can afford for decades. If you’re searching for mortgage companies in New York County that will make the financing process go as smoothly as possible, contact the team at Jet Direct Mortgage!
How to Choose the Best Mortgage Lender in Manhattan, NY
Ready to Start the Mortgage Process?
Finding a mortgage company in East Harlem, NY isn’t all that hard; a quick search for “mortgage companies near me”, “best mortgage company near me”, or even “best online mortgage lenders” will certainly reveal plenty of options to choose from. While it’s true that there’s no shortage of mortgage companies that service the New York County area, choosing the best mortgage lender to meet your needs can seem like a daunting task.
How do you narrow down the options and find the right lender for you? To help you choose the right mortgage company that will meet your specific needs, here’s a look at some handy tips to consider.
Ask Your Real Estate Agent
If you’re already working with a real estate agent, ask him or her to refer you to a reputable New York County mortgage lender. An experienced realtor will be well-versed in the financing process and should be able to direct you to reputable mortgage companies; moreover, your agent should be able to tell you which mortgage lenders you should steer clear of.
Ask Your Network
If you aren’t working with an agent yet and you want to get preapproved for a loan before you reach out to one, ask your social network if they can recommend mortgage companies. If you know friends, family members, or even co-workers who have recently purchased or refinanced a house in East Harlem, NY, ask them if they would recommend the mortgage lender they worked with. You can count on your network to offer honest insight. For example, if your buddy wasn’t happy with his experience with a mortgage company, it’s a safe bet that he’ll let you know; likewise, if your sibling, cousin, or any other family member had a great experienced with the mortgage companies they worked with, it’s likely that they’ll provide you with the details.
Read Online Reviews
You can also check online reviews to find the best mortgage companies near you. Check the websites of Manhattan, NY mortgage companies for testimonials. You can also use resources like Angie’s List, Home Advisor, and Zillow to find reviews of different mortgage lenders in the area. You can find overviews of mortgage companies that service your local area on these sites, including their background and credentials, as well as reviews from real clients that have first-hand experience working with East Harlem NY mortgage companies.
Consider Experience
It’s true that a new mortgage lender may have a lot of knowledge in financing; however, there is something to be said for experience. Reviewing documents, assessing interest rates, speaking with banks, and everything else that goes into securing a home mortgage can take a lot of time and requires a good bit of knowledge and first-hand experience. Chances are you’re going to have better results when you work with a mortgage lender that is well-established in the East Harlem, NY community and has a proven track record of success. When you’re researching mortgage companies near me, be sure to check out how long each lender has been in business and inquire about the type of experience they have had.
Look at Proximity
While a mortgage lender’s location won’t impact his or her experience, it may affect your overall experience. When applying for financing, meeting deadlines is extremely important. When you have questions or you need assistance (which you probably will at some point), you’ll want to know that you will be able to get in touch with your mortgage lender. For these reasons, you might want to take a mortgage company’s location into consideration. It’s much more likely that you’ll have a better outcome when your lender is situated in your time zone or even better, in the same zip code.
Consider Loan Options
Lastly, when you’re looking for a mortgage lender who will best suit your needs, it’s important to find someone who offers and has experience in the specific type of home loan you are interested in. There are several different types of mortgages available; conventional, FHA, USDA, VA, and FHA 203k Rehabilitation are just some of the different options. For example, if you’re a veteran, you may be interested in finding out if you qualify for a VA home loan, so you’ll want to choose a mortgage company that has experience with this specialized type of financing.
Schedule Consultations
Before you choose a New York County mortgage lender, it’s a good idea to schedule consultations with a handful of different companies. Pick at least three lenders that appear to offer the qualifications that will meet your needs and schedule an appointment to meet with a broker from each mortgage company. Find out what type of documentation you should bring with you during your appointment with each broker so they can run numbers and offer you an overview of the rates that you may qualify for. Additionally, you should ask some key questions that are pertinent to securing a loan. After you’ve finished the consultation process, compare the rates each mortgage company offered, as well as the overall impression each lender made.
Looking for the Best Mortgage Lender in Manhattan, NY? Contact Jet Direct Mortgage Today!
If you’re ready to secure financing for a new home and you’re starting the process of looking for “mortgage companies near me”, be sure you get in touch with Jet Direct Mortgage. Our team of licensed brokers have years of experience with various types of loans and has successfully helped dozens of New York County residents get into the homes of their dreams at rates that they can afford. To schedule an appointment for a consultation or to learn more about our mortgage company, please call 1.800.700.4JET or visit https://www.jetdirectmortgage.com/ and fill out our online contact form. However you get in touch with us, one of our knowledgeable and friendly associates will be happy to assist you with all of your needs.
Some information about East Harlem, NY
East Harlem, also known as Spanish Harlem or El Barrio, is a neighborhood of Upper Manhattan, New York City, roughly encompassing the area north of the Upper East Side and bounded by 96th Street to the south, Fifth Avenue to the west, and the East and Harlem Rivers to the east and north. Despite its name, it is generally not considered to be a part of Harlem proper, but it is one of the neighborhoods included in Greater Harlem.
The area which became East Harlem was rural for most of the 19th century, but residential settlements northeast of Third Avenue and East 110th Street had developed by the 1860s. The construction of the elevated transit line to Harlem in 1879 and 1880, and the building of the Lexington Avenue subway in 1919, urbanized the area, precipitating the construction of apartment buildings and brownstones. The extension of cable cars up Lexington Avenue into East Harlem was stymied by the incline created by Duffy’s Hill at 103rd Street, one of the steepest grades in Manhattan. East Harlem was first populated by poor German, Irish, Scandinavian, and Eastern European Jewish immigrants, with the Jewish population standing at 90,000 around 1917. In the 1870s, Italian immigrants joined the mix after a contractor building trolley tracks on First Avenue imported Italian laborers as strikebreakers. The workers’ shantytown along the East River at 106th Street was the beginning of an Italian neighborhood, with 4,000 having arrived by the mid-1880s. As more immigrants arrived, it expanded north to East 115th Street and west to Third Avenue.
East Harlem consisted of pockets of ethnically-sorted settlements – Italian, German, Irish, and Jewish – which were beginning to press up against each other, with the spaces still between them occupied by “gasworks, stockyards and tar and garbage dumps”. In 1895, the Union Settlement Association, one of the oldest settlement houses in New York City, began providing services in the area, offering the immigrant and low-income residents a range of community-based programs, including boys and girls clubs, a sewing school and adult education classes.
Southern Italians and Sicilians, with a moderate number of Northern Italians, soon predominated, especially in the area east of Lexington Avenue between 96th and 116th Streets and east of Madison Avenue between 116th and 125th Streets, with each street featuring people from different regions of Italy. The neighborhood became known as “Italian Harlem”, the Italian American hub of Manhattan; it was the first part of Manhattan to be referred to as “Little Italy”. The first Italians arrived in East Harlem in 1878, from Polla in the province of Salerno, and settled in the vicinity of 115th Street.