Mortgage Company Gravesend, NY
How to Find the Best Online Mortgage Lenders in Brooklyn, NY
If you’re looking for a mortgage lender in Kings County, you’re going to find that there are a lot of different providers to choose from, but if you want to be sure that you’re working with the best mortgage company near you, then there’s only once place to go: Jet Direct Mortgage. For decades, our team of fully licensed brokers has been helping the Gravesend, NY community get the financing they need at rates that they can afford. Because we’re locally owned and operated, we have a thorough understanding of the Kings County housing and financing market and since we offer a variety of products and since our fees are so fair and affordable, we’re the first choice that prospective buyers and existing homeowners choose when they’re in need of the services of a mortgage lender. Whether you’re a first-time homebuyer who is looking for a mortgage company that can help you get a low down-payment loan, or you’re an existing homeowner who is in search of the best mortgage refinance companies, if you’re located in the Brooklyn, NY area, contact the team at Jet Direct Mortgage, one of the area’s leading mortgage companies.
Tips to Help You Find the Best Online Mortgage Lenders
It used to be that if you wanted to secure financing to purchase a house or refinance an existing home, you’d have to meet with a broker at a brick-and-mortar mortgage company. Thanks to the Internet, securing financing has gotten a whole lot simpler. Online mortgage companies have not only made shopping and applying for home loans easier, but they’ve made the process a lot faster, too. While you still may need to go through some of the traditional steps (like getting your credit score and providing proof of income and employment), using an online mortgage company is certainly a lot more convenient.
If you’re looking secure financing, you want to be sure that you choose the best online mortgage lenders. How can you do that? The following tips will help you find the best Kings County mortgage companies that offer online services.
Search for Mortgage Companies that Offer the Products You Need
If you were using a traditional brick-and-mortar lender, the first thing you’d want to do is find a mortgage company that offers products that suit your needs, and the same is true with an online broker. For example, if you don’t have a lot to put down on a house, a fixed-rate loan from the Federal Housing Administration (FHA) may be the right option for you, or if you’re a veteran, you may want to explore a mortgage loan that is sponsored by the US Department of Veteran Affairs (a VA loan). Do some research to see which types of loans would best meet your specific needs and then search for online mortgage lenders that offer the specific products you’re interested in exploring and that service the Gravesend, NY area.
Check Review Sites
Review sites are an easy way to find the best online mortgage lenders that service the Brooklyn, NY region. Trulia, Zillow, Angie’s List, and the Better Business Bureau are all reputable sites that offer detailed overviews and customer reviews of online mortgage companies. Just visit one (or a few) of these sites and search “best online mortgage companies near me” and you’ll get multiple results. Read through the results to see what products different lenders offer and to find out about their credentials. Check the reviews that customers who have used Kings County online mortgage companies have shared on these sites, too.
Test Out the Preapproval Process
Once you’ve found a few different mortgage lenders that serve the Brooklyn area, give them a test run so you can get a first-hand look at the preapproval process and see how it works. Going through the pre-approval process with an online lender is similar to what you can expect with a brick-and-mortar mortgage company in hat you’ll have to give the lender permission to pull up and assess your credit report and your financial records, which will allow you to get written offers for home loan amounts and interest rates.
In order to apply for preapproval with an online lender, you’ll need to have the same information and documents that you would need to provide when you apply for a mortgage, so make sure you gather that information and the necessary documents before you try getting preapproved. Examples of info and paperwork you will need to include:
- Your Social Security number
- Records of taxes that you’ve most recently filed
- Information about your employer
- Pay stubs that highlight your year-to-date income, as well as your net and gross monthly income
- The amount you have set aside to put down and the source(s) of your down payment funds
- Financial account details, including your bank and investment accounts
- Any outstanding debts that you are carrying
By applying for and comparing preapproval offers from different mortgage companies that offer online services, you’ll not only have an opportunity to see what each lender’s process is like, but you’ll also have the chance to assess terms and rates. Make sure to apply for preapprovals with different companies in the same time period so that you can do an accurate comparison, as rates and terms change on a regular basis. The best online mortgage lenders allow you to keep tabs of the entire process, from start to finish. Some key features to be on the lookout for include capabilities that allow you to upload and download the necessary documents, order appraisals, providing your signature electronically, and the ability to handle closing online.
Looking for the Best Online Mortgage Lenders in Gravesend, NY?
While the above-mentioned tips will certainly help you find a reputable mortgage lender that offers online services in Kings County if you want to save yourself some time, check out Jet Direct Mortgage. As one of the premier Brooklyn, NY mortgage companies, we offer a variety of products, excellent customer service, a proven track record of success, and of course, online capabilities. To find out more about how we can assist you with your home financing needs, give us a call at 855-553-4732, or visit https://jetdirectmortgage.com/ and click on the “apply” tab to start the preapproval process so you can find out for yourself why we’re considered one of the best online mortgage lenders in Gravesend, NY.
Some information about Gravesend, NY
Gravesend is a neighborhood in the south-central section of the New York City borough of Brooklyn, on the southwestern edge of Long Island in the U.S. state of New York. It is bounded on the south by Coney Island, on the west by Bath Beach, on the north by Bensonhurst, and on the east by Homecrest and Sheepshead Bay.
The island and its environs were first inhabited by bands of Lenape, an Algonquian-speaking tribe that occupied territory along both sides of Long Island Sound, and through coastal areas through present-day New Jersey and down to Delaware. The first known European believed to set foot in the area that would become Gravesend was Henry Hudson, whose ship, the Half Moon, landed at Coney Island in the fall of 1609. The Dutch claimed this land as part of their New Netherland Colony.
Gravesend is notable as the only colonial town founded by a woman, Lady Deborah Moody. In 1643, governor general Willem Kieft granted her and a group of English settlers a land patent on December 19, 1645. Moody, along with John Tilton and wife Mary Pearsall Tilton, came to Gravesend after choosing excommunication, following religious persecution in Lynn, Massachusetts. Moody and Mary Tilton had been tried because of their Anabaptist beliefs, accused of spreading religious dissent in the Puritan colony. Kieft was recruiting settlers to secure this land that his forces had taken from the Lenape. Some clashes continued, and the town organization was not completed until 1645. The signed town charter and grant was one of the first to ever be awarded to a woman in the New World. John Tilton became the first town clerk of Gravesend and owned part of what later would become Coney Island. Moody, the Tiltons, and other early English settlers were known to have paid the Lenape for their land. Another prominent early settler was Anthony Janszoon van Salee.
The Town of Gravesend encompassed 7,000 acres (2,800 ha) in southern Kings County, including the entire island of Coney Island. This was originally used as the town’s common lands on the Atlantic Ocean. It was divided, as was the town itself, into 41 parcels for the original patentees. When the town was first laid out, almost half of the area was made up of salt marsh wetlands and sandhill dunes along the shore of Gravesend Bay. It was one of the earliest planned communities in America. It consisted of a 16-acre (6.5 ha) square surrounded by a 20-foot-high wooden palisade. The town was bisected by two main roads, Gravesend Road (now McDonald Avenue) running from north to south, and Gravesend Neck Road, running from east to west. These roads divided the town into four quadrants, which were subdivided into ten plots of land each. This grid of the original town can still be seen on maps and aerial photographs of the area. At the center of town, where the two main roads met, a town hall was constructed where town meetings were held once a month.