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Mortgage Company Howard Beach, NY
Mortgage Company in Howard Beach, NY 11414
Searching for the “Best Mortgage Company Near Me”? What to Look for in a Queens County Mortgage Lender
When Howard Beach, NY house hunters and homeowners need the services of the best online mortgage lenders, there’s only one company they call: Jet Direct Mortgage. For decades, our team of licensed brokers has been helping the Queens community get the financing they need at the best rates possible; in fact, that’s why we’re considered one of the area’s leading mortgage companies. Whether you need a mortgage lenders to assist you with purchasing your first home or you are interested in taking advantage of the incredibly low-interest rates and are looking for the best mortgage refinance companies, if you’re located in Queens County, contact a company that you can rely on to get you the best results possible: Jet Direct Mortgage.
What to Look for When Searching for the “Best Mortgage Company Near Me”
Are you looking to buy your first house? Perhaps you’re downsizing or need more space and want to put your existing house up on the market? Maybe you want to get a lower rate on the mortgages, or perhaps you’re thinking about taking advantage of a Home Equity Conversion Mortgage (HECM). Whatever your particular case may be, if you’re looking for a Queens County mortgage company, there’s no doubt that you want to choose the best lender to meet your needs.
Thanks to the Internet, finding a mortgage company in Howard Beach, NY is easier than ever before; just search for “mortgage companies near me”, “the best mortgage company near me”, or any other similar query and you’ll find several companies to choose from. But how do you narrow down the options and select the right mortgage company for your particular needs? By scheduling consultations with a few different mortgage companies and comparing each one.
Here’s a look at a few important factors that you can take into consideration when you’re comparing mortgage companies that will help you choose the best broker in Queens, NY.
Fees and Rates
Every Queens County mortgage company you meet with will provide you with an overview of the fees and rates that you can expect to pay if you were to secure a home loan with them (this is known as a “loan estimate”). When you’re comparing loan estimates, take a look at the different fees, including the annual percentage rate (APR) of the loan, the mortgage rate (the interest rate charged on the mortgage), origination fees (the fee a lender charges to process a loan), underwriting fees (the fee for assessing a loan), and the total amount that you’ll need to bring to closing. These key areas are where rates and fees are most likely going to differ from mortgage lender to mortgage lender, and they can make a huge difference in the amount of money you’ll pay in the near future and over the life of your loan.
Kinds of Loans
In addition to comparing fees and rates, you should also consider the type of products that each Queens, NY mortgage lender you meet with offers. There are several different types of loans, including:
- Conventional loans
- FHA loans
- HFA 203k Rehabilitation loans
- VA home loans
- SONYMA loans
- USDA home loans
- Jumbo loans
- HECM for purchase loans
Different loans are intended for different purposes. For example, if your credit score isn’t the best, you may be interested in finding out if you qualify for an FHA loan, or if you’re thinking about taking out a Home Equity Conversion Mortgage (HECM, or a reverse mortgage loan), of course, you’ll want to be sure that the mortgage lender you choose offers the products you’re looking for. Make sure you ask each lender you meet with before you decide which company to choose.
Eligibility Requirements
Just because a mortgage lender offers the products you need and a good rate, that doesn’t mean that you’re going to qualify for a loan. Make sure you take the time to find out about eligibility requirements when you’re meeting with different mortgage companies in Queens, NY. Eligibility requirements vary from loan to loan and from lender to lender and are largely based on your credit score, so be sure to find out what type of score you’ll need to have in order to qualify for the loan you’re interested in at a rate that you can afford, as well as the down payment you’ll be expected to make.
Service
Just as important as the rates, fees, products, and eligibility requirements that a mortgage company offers is the customer service they provide. A mortgage lender is going to be helping you with one of the biggest financial decisions you’ll ever make, so it makes sense that you’ll want to choose someone who you feel comfortable working with. They should put your needs first, be friendly and helpful, and be available when you need them.
To find out about the type of customer service you can expect, look for online reviews of the Queens County mortgage companies you’re thinking about meeting with, and of course, pay attention to the way the companies you meet wit]h interact with you during your consultations. If you find a slew of bad reviews, don’t even bother booking an appointment with a mortgage lender. If a mortgage company’s reviews are great but you just don’t feel comfortable when you meet in-person, consider that a red flag and cross them off your list.
Looking for the Best Mortgage Company Near You? Contact Jet Direct Mortgage Today!
When you’re looking for the “best mortgage company near me” in Howard Beach, NY, make sure you get in touch with Jet Direct Mortgage. As one of Queens’s leading mortgage companies, we’ve been helping the local community secure the financing they need for years. Offering a variety of products, fair and affordable rates, and fees, and impeccable customer service, when you choose us as your mortgage lender, we’re confident that your needs will be met and your expectations will be exceeded.
To learn more about the loan products we offer or to schedule an appointment for an in-person consultation, call 855-553-4732 or head to https://www.jetdirectmortgage.com/ and complete our online contact form. The team at Jet Direct Mortgage is looking forward to satisfying your financing needs.
Some information about Howard Beach, NY
Howard Beach is a neighborhood in the southwestern portion of the New York City borough of Queens. It is bordered to the north by the Belt Parkway and Conduit Avenue in Ozone Park, to the south by Jamaica Bay in Broad Channel, to the east by 102nd-104th Streets in South Ozone Park, and to the west by 75th Street in East New York, Brooklyn. The area consists mostly of low-rise single-family houses.
Howard Beach was established in 1897 by William J. Howard, a Brooklyn glove manufacturer who operated a 150-acre (0.61 km²) goat farm on meadow land near Aqueduct Racetrack as a source of skin for kid gloves. In 1897, he bought more land and filled it in and the following year, built 18 cottages and opened a hotel near the water, which he operated until it was destroyed by fire in October 1907. He gradually bought more land and formed the Howard Estates Development Company in 1909. He dredged and filled the land until he was able to accumulate 500 acres (2 km²) by 1914. He laid out several streets, water mains and gas mains, and built 35 houses that were priced in the $2,500-$5,000 range.
The Long Island Rail Road established a station named Ramblersville in 1905 and a Post Office by the same name opened soon thereafter. A casino, beach, and fishing pier were added in 1915 and the name of the neighborhood was changed to Howard Beach on April 6, 1916. Development continued and ownership was expanded to a group of investors who sold lots for about $690 each starting in 1922. Development, however, was limited to the areas east of Cross Bay Boulevard near the LIRR station now known as Bernard Coleman Memorial Square (then Lilly Place). The rest of Howard Beach consisted of empty marsh land except for the area to the south of Coleman Square, centered around Russell St. and 102nd St., which consisted of many small fishing bungalows that dotted alongside Hawtree Creek and Jamaica Bay. This area of Howard Beach would retain the name “Ramblersville.” Despite its close proximity to the Howard Beach station at Coleman Square, the LIRR would establish a station a quarter of a mile south down the line at Hamilton Beach in 1919.
After World War II, Queens and Long Island went through a major suburban building boom leading to the marsh land west of Cross Bay Boulevard to be filled in. This led to the development of many Cape-Cod and High-Ranch style houses on 50 and 60 x 100 lots. This area was developed as “Rockwood Park” to the north and “Spring Park” to the south, together comprising what would be known as “New Howard Beach”, while the area east of the boulevard became known as “Old Howard Beach.” In the early 1950s farm land north of Rockwood Park was developed with the building of many red-bricked two-story garden style cooperative apartments along with some six-story co-op and condo apartment buildings. A number of private two-family houses were also built in this neighborhood, which was named Lindenwood. The various neighborhoods continued to be developed through the 1960s and 1970s as Cross Bay Boulevard became the area’s main shopping district. During the 1990s and 2000s, there was further high-scale development as many of the area’s old houses were torn down and replaced with upscale million-dollar mini-mansions.
Learn more about Howard Beach.