Branch Manager / Loan Originator - NMLS# 1740248
FHA home loans are popular among New York first-time homebuyers due to low down payment and credit requirements.
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A conventional(fixed-rate mortgage) is a popular type of home financing in New York because it offers predictability for your budget.
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Jumbo home loans are most appropriate for a segment of high-income earners who make between $250,000-$500,000 a year.
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Mortgage RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Kei The Mortgage Guy to receive a personalized rate for your specific situation.
New York
Refinance RatesAll mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Kei The Mortgage Guy to receive a personalized rate for your specific situation.
I was more then impressed and satisfied with how Kei guided me along the entire process of purchasing my home. From getting me qualified all the way to my closing he was easily the most organized and prepared out of everyone involved. From the beginning he always set realistic expectations and still got me a much better deal then i was expecting. I will be recommending his services to everyone i can. Honest, professional, and always easy to get in touch with.
When the walls was closing in and i only had a peephole to look through (KEI)came in and saved my life my world he was my superman ..... I cant thank him enough and the team he worked with the struggle was real and we made it through i recommend KEI again and again cause he gets the job done....
I couldnt be happier with the service i got from Kei , he worked completely hard and didnt make me feel that things were not getting done. Thanks to him i get to move my family into a new home!
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
5%
1%
5%
Principal & Interest $1421
Monthly Taxes $1421
Monthly HOA $1421
Monthly Insurance $1421
*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. Click here to see the loan limits in your area.
5%
1%
5%
Principal & Interest $1421
Monthly Taxes $1421
Monthly HOA $1421
Monthly Insurance $1421
Monthly Mortgage Insurance $0
*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
0%
1%
4.5%
Principal & Interest $1421
Monthly Taxes $1421
Monthly HOA $1421
Monthly Insurance $1421
Purchase Price $1421
VA Funding Fee $1421
Amount Financed $1421
*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
