Mortgage Company Utopia, NY

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Adam Gurley

Peter Pescatore and his team were all class acts. They made buying my home stress-free. I will be recommending them to everyone!

John Michael

Working with Pete, Jeff and Lauren was great. They helped me through the process and made it a great experience for us. I will recommend Jet to all our friends.
Cristin Savino

As a first time home buyer I was very nervous about the whole home buying process. Peter Pescatore and his team were very helpful, polite, and extremely professional throughout the entire process. And, best of all, they got me a better rate then I was hoping for! They made buying my first home completely stress-free. I highly recommend using Jet Direct for any of your home buying needs!

Cristin Savino

As a first time home buyer I was very nervous about the whole home buying process. Peter Pescatore and his team were very helpful, polite, and extremely professional throughout the entire process. And, best of all, they got me a better rate then I was hoping for! They made buying my first home completely stress-free. I highly recommend using Jet Direct for any of your home buying needs!
Vanessa Horowitz

Sal was a pleasure to work with. He was personable, patient and informative. I would highly recommend Sal.

Surimaribo24

Thank you jet mortgage Team. Enid -Michelle-Irene and the team are simply the best, with the speed and being on top of everything. they treat their clients like a king . dont look anywhere else if you're looking for a mortgage this is the one and last stop. they are PRO and will get you the best rates .words can't express how thankful we are. thank you for getting us into our first home.
Rachel Nieves

What a pleasure it was working with Peter, Jeff and Lauren. They are very knowledge in their field. The explained every step of the way what was happening and what we were to expect. We must have emailed them a million times and they never were upset at us for doing so. Not only did we use them to get our mortgage, but they can help years later to modify your mortgage and try to bring down your rates. We could have never of sold and bought our new home without them. I highly recommend them.

Paul Teri

As first time home buyers, we were grateful to work with Sal Petrozzino! Not only is he personable, but he was always available to answer any questions we had along the way - didn't matter if it was nights or weekends. His guidance and expertise helped us to make the best possible decisions as we worked to close on our new home.
Elizabeth Munoz

It was a pleasure working with Jet Direct. All my questions were answered promptly. I will refer them to family and friends. Thank you to Jet Direct for making it a smooth process!

Margo Urquijo

Jet Direct was the best to work. We loved Enid so much. She was beyond helpful and made us feel so confident in the process. We will be recommending Enid and Jet Direct to any of our friends or family. So thankful for all you have done for my husband and I.
Rachel Klein

They made ma feel like family, they took me every step of the way . Thank you!

Mortgage Company in Utopia, NY 11366

Tips to Help You Prepare for Meeting with Mortgage Companies Near You in Utopia, NY

Whether you’re ready to buy your first house and you’re looking for reputable mortgage companies or you’re already a homeowner and you’re researching the best mortgage refinance companies, if you’re located in Utopia, NY and you need assistance with home financing, contact Jet Direct Mortgage. For decades, we have been considered one of the best online mortgage lenders in the Queens area and have helped countless area residents secure the financing that they need at rates that they can afford. If you’re searching for “mortgage companies near me” in Queens County and you want the smoothest experience possible, be sure you reach out to Jet Direct Mortgage.

Tips to Consider Before Meeting with Mortgage Companies Near You in Queens, NY

Finding the perfect property that meets all of your needs is only a part of the house-hunting process. Just as important is securing financing, and that’s a part that many first-time homebuyers overlook or just jump into. In fact, before you even start looking for houses, the first thing you should do is meet with a mortgage company. Why? Because doing so will allow you to explore different financing options and get prequalified for a mortgage, and being prequalified not only lets you know how much you can comfortably afford to spend, but it also shows sellers that you’re serious about making an offer.

If you’ve never met with a mortgage lender before, you might be feeling a bit overwhelmed. Not to worry! Here are some tips to keep in mind before you meet with mortgage companies near you that will calm your nerves and help prepare you for the process.

Investigate Your Credit Score

Long before you start researching “mortgage companies near me”, you should take the time to investigate your credit score. Your credit score is one of the most important factors that will determine whether or not you are eligible for a home loan, and if so, how much of a loan you will be able to take out and at what interest rate.

If your credit score is low, lenders will consider you a high-risk, and that could make the interest rate on a home loan a lot higher; that is, if you qualify for a loan at all. A higher credit score signifies that you’re less of a risk, which increases your chances of not only securing financing but will also help you qualify for a lower interest rate. Since your credit score plays such an important part in the financing process, it’s a good idea to take a look at yours well in advance of your first meeting with a mortgage company. You are eligible for one free credit report from the three major credit bureaus – Experian, Equifax, and TransUnion – once a year.

Take a look at your credit score. If it’s on the low side (generally, those who have a credit score of 580 or lower will have a hard time getting approved for a mortgage), assess your credit report and see where you can make improvements that would help to bring your up score and increase your chances of qualifying for a low-interest mortgage. For example, you may be able to pay down high-interest debts, such as credit cards or student loans, which will help to improve your debt-to-income ratio and give you access to more money that you can use to put towards a down payment.

Get Your Paperwork in Order

When you meet with mortgage companies near you, you’ll need to provide them with key details about your income and your credit. Before you meet with a Queens County mortgage company, make sure you get the necessary paperwork in order. You’ll need to bring the following to your appointment:

A valid state-issued ID
Your Social Security number
Copies of your W-2s
Recent pay stubs (that show your gross and net monthly income, as well as your year-to-date income
Employer contact information (past and present)
Bank and asset statements
Documentation that shows any other income you bring in

It’s a good idea to inquire about the specific documents you’ll need to bring with you before your appointment, as the information may vary from mortgage lender to mortgage lender.

Schedule Consultations

Get the names of reputable mortgage companies in Queens, NY. You can either ask people that you know who has recently worked with a mortgage lender if they can make recommendations, or you can search the Internet for “mortgage companies near me”. Schedule consultations with at least three different lenders (remember to ask what you will need to bring to your appointment ahead of time so that you are prepared and can ensure that things will go as smoothly as possible).

During each consultation, you’ll want to ask key questions about securing financing, as well as general information about each mortgage company. Examples of questions you might want to ask include:

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How long have you been in business?
How many clients have you helped secure financing?
What type of loan options do you offer?
How long does the average turnaround time for a preapproval, appraisal, and closing take?
What fees will I be responsible for at closing and can any of these fees be rolled into the mortgage?
What are the requirements for a down payment?
Do you have references that I can contact?
What’s the best way to communicate with you?

Add anything else that you think is pertinent to your list of questions and jot down the answers that each mortgage lender you meet with provides. Also, during the consultation process, make sure that you pay attention to the manner in which each lender presents him- or herself. Do they take their time or are they rushed? Do they offer detailed responses to your inquiries or do they just gloss over them? What’s their personality like? A mortgage lender is going to be assisting you with one of the biggest purchases you’ll ever make, so you want to be sure that you choose someone you are comfortable with.

Compare Rates and Experience

After you’ve met with each prospective mortgage company, compare the rates each one provided you with. It’s also important to consider the overall experience you had during the consultation process. Obviously, you’ll want to choose the lender who offered rates the best rates, but if the rates are very similar or even exact, let the experience you had guide you in choosing with Utopia, NY mortgage company you should choose.

Ready to Schedule a Consultation with the Best Mortgage Company Near You?

If you’re ready to start the process of getting preapproved for a home loan and you’re located in Queens, NY, when you’re looking for “mortgage companies near me”, make sure you include Jet Direct Mortgage on your list of lenders to meet with. Offering decades of experience, several flexible options, and a proven track record of success, we’re considered one of the best mortgage companies in the Utopia, NY area. To schedule an appointment for a consultation with one of our experienced brokers, please call 855-553-4732 or submit our online contact form at https://www.jetdirectmortgage.com/ today! At Jet Direct Mortgage, we’re looking forward to helping you get the financing you need for the home of your dreams.

Some information about Utopia, NY

Fresh Meadows is a neighborhood in the northeastern section of the New York City borough of Queens. Fresh Meadows used to be part of the broader town of Flushing and is bordered to the north by the Horace Harding Expressway; to the west by Pomonok, St. John’s University and the sub-neighborhoods of Hillcrest and Utopia; to the east by Cunningham Park and the Clearview Expressway; and to the south by the Grand Central Parkway.

The name “Fresh Meadows” dates back to before the American Revolution. Fresh Meadows was part of the Town of Flushing, which had large areas of salt meadows, such as the original “Flushing Meadows”. The wetlands in the hilly ground south and east of the village of Flushing, however, were fed by freshwater springs, and thus were “fresh meadows”. Fresh Meadows Road (which today follows the same route under a number of names, including Fresh Meadows Lane and part of Utopia Parkway) traversed the area, and served as the route from the landing place at Whitestone to the village of Jamaica. In The Evening Post in 1805, farm owner James Smith advertised the sale of his 60-acre farm “on the road to Fresh Meadows and Flushing”.

During the American Revolution, British troops marched through the area. General Benedict Arnold and his troops stayed at farms along was the way. General Arnold drilled his troops in the area, on the current location of M.S. 216. In order to help move military supplies from British ships using the Whitestone Landing, and the troops encamped further east, a new road was built to connect the Fresh Meadows Road with Hempstead. This road began at what is now the intersection of Utopia Parkway and 73rd Avenue, near a local landmark along the Fresh Meadows Road: the remnants of a large tree that had burned after being struck by lightning, and that was known as the “Black Stump”. The road took its name from this feature, and was called “Black Stump Road.”

During the 19th century, a farming community known as Black Stump developed in the area. The Black Stump School was built before 1871. The school was expanded in 1900, and a second story was added in 1905. The remains of the Black Stump School were demolished in 1941 in order to build present-day Utopia Playground, located at 73rd Avenue and Utopia Parkway.

Learn more about Utopia.

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Map of Utopia, NY

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