Mortgage Brokers in Yorktown, 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

50,000+

People Matched

$25M+

In Approved Loans

4.8★

From Real Users

2 Min

Average Time

Check Your Mortgage Brokers Options in Yorktown

How It Works

Getting matched with the right lender is simple and fast

1

Tell Us About You

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

2

We Compare Options

Our platform searches hundreds of trusted lenders for you.

3

Choose Your Loan

Review personalized offers and select the best one.

Why Choose SwipeSolutions in Yorktown?

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.

AI That Works For You

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 Yorktown: 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

Yorktown Mortgage Brokers FAQ

Common questions from Yorktown residents

Yes! Yorktown 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 Yorktown borrowers get approved within minutes.
Most Yorktown 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 Yorktown 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 Yorktown borrowers. We're compensated by lenders when we successfully match them with qualified applicants. You'll never pay a fee to use our platform.

Also serving nearby New York cities:

Ready to Find Your Loan in Yorktown?

Join 50,000+ borrowers who found hope and financial solutions.

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

Mortgage Brokers for Yorktown Residents

With a population of thousands of, Yorktown is one of New York's growing cities. Our lending network serves all Yorktown zip codes including all local zip codes.

Frequently Asked Questions About Mortgage Brokers in Yorktown

How do I find a good mortgage broker in Yorktown?

Look for Yorktown 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 Yorktown 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. Yorktown homebuyers who have their documents ready and respond quickly to requests often close even faster.

Last Updated: Jan 2026