Mortgage Company Oakland Gardens, NY
Mortgage Company in Oakland Gardens, NY 11364
Searching for the “Best Mortgage Company Near Me”? What to Look for in a Queens County Mortgage Lender
When Oakland Gardens, 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 Oakland Gardens, 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.
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.
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 Oakland Gardens, 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 Oakland Gardens, NY
Bayside is a neighborhood in the New York City borough of Queens. It is bounded by Whitestone to the northwest, the Long Island Sound and Little Neck Bay to the northeast, Douglaston to the east, Bellerose to the south, and Fresh Meadows to the west. CNN Money ranked Bayside as one of the most expensive housing markets nationally when analyzing comparable detached homes throughout the United States. Despite its large housing stock of free-standing homes, it nationally ranks high to very high in population density.
Bayside’s history dates back to 2000 B.C. when the Matinecock Native American tribe first settled there. Around 1637, the Dutch West India Company encouraged Dutch farmers to settle on land grants in New Amsterdam, which was the name of New York then. William Lawrence, of England, built the first permanent building, a stone farmhouse, when he settled Bayside in 1644. Twenty years later, England took control of New Amsterdam, renamed it the Province of New York, and English people began settling the area. When Queens County was officially established in 1683, the Town of Flushing was one of the original five towns of Queens County, and today’s Bayside was within the Town of Flushing. During the American Revolutionary War, whaleboatmen from Connecticut raided the Bayside-Little Neck area, and Town of Flushing was occupied by the British military.
The first known written occurrence of the name Bayside was in a deed dated 1798, written as Bay Side.
During the 19th century, Bayside was primarily farmland, where wealthy people from Manhattan would visit it as a rural resort. The Bayside House, owned by Joseph Crocheron, was well-known for its clambakes. The Bayside House burned down in 1906, but Crocheron’s name lives on as the namesake of the 45-acre (18 ha) Crocheron Park.