Mortgage Brokers in East Patchogue, NY

Buying a home shouldn't be complicated. Our network of trusted mortgage brokers helps you find the best rates and terms.

✓ No credit impact • ✓ 100% free • ✓ Takes 2 minutes

How It Works

Getting matched with the right lender is simple and fast

Tell Us About You

Quick 2-minute form. No impact on your credit score.

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Our platform searches hundreds of trusted lenders for you.

Choose Your Loan

Review personalized offers and select the best one.

Why Choose SwipeSolutions in East Patchogue?

Built By Humans Who Get It

We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.

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Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.

Mortgage Brokers in East Patchogue: What You Need to Know

Local lending landscape and New York regulations

714 New York Average Credit Score Ranked #20 in the U.S.

17.1% Subprime Borrowers Residents with credit below 670

New York Lending Regulations

New York has some of the strongest consumer protections with a 16% civil usury limit and complete ban on payday lending.

Maximum APR: 16% civil, 25% criminal

Payday Loans: ✕ Banned

Consumer Protections: Department of Financial Services strict oversight

East Patchogue Mortgage Brokers FAQ

Common questions from East Patchogue residents

Yes! East Patchogue residents can qualify for mortgage brokers even with credit scores below 600. Our lending partners consider your whole financial picture, not just your credit score. Many East Patchogue borrowers get approved within minutes.

Most East Patchogue applicants receive a decision within 2-5 minutes. If approved, funds can be deposited as soon as the next business day. Some lenders offer same-day funding for qualified New York borrowers.

Our network includes lenders who work with credit scores as low as 500. Better rates are available for scores above 580, but East Patchogue residents with any credit history are encouraged to check their options with no impact to their score.

Yes, absolutely! Our service is 100% free for East Patchogue borrowers. We're compensated by lenders when we successfully match them with qualified applicants. You'll never pay a fee to use our platform.

Frequently Asked Questions About Mortgage Brokers in East Patchogue

How do I find a good mortgage broker in East Patchogue?

Look for East Patchogue mortgage brokers with strong reviews, multiple lender relationships, and experience with your type of loan. Our network connects you with vetted, licensed professionals who work with dozens of lenders to find you the best rates and terms.

What credit score do I need to buy a home in New York?

In New York, minimum credit requirements vary by loan type: FHA loans accept scores as low as 580 (or 500 with 10% down), conventional loans typically require 620+, and VA/USDA loans have their own guidelines. Our brokers can help you find programs that match your credit profile.

How much do mortgage brokers charge?

Most East Patchogue mortgage brokers earn their fee from the lender (typically 1-2% of the loan amount), so there's often no direct cost to you. Some brokers may charge a flat fee. Always ask about fees upfront - our partners are transparent about their compensation.

Should I use a mortgage broker or go directly to a bank?

Mortgage brokers can save you time and money by shopping multiple lenders on your behalf. While banks only offer their own products, brokers have access to dozens of lenders and can often find better rates or terms. This is especially valuable if you have unique circumstances.

How long does the mortgage process take?

The typical mortgage process takes 30-45 days from application to closing. Getting pre-approved takes just a few days. East Patchogue homebuyers who have their documents ready and respond quickly to requests often close even faster.