Kei The Mortgage Guy

Kei The Mortgage Guy

New York Mortgage Expert

Team Lead | Loan Officer - NMLS# 1740248

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Popular New York Home Loans Which loan is right for YOU?

First Time Homebuyers New York

FHA Home Loans New York New York

FHA home loans are popular among New York first-time homebuyers due to low down payment and credit requirements.

FHA Loans
Conventional Home Loans New York

Conventional Home Loans New York New York

A conventional(fixed-rate mortgage) is a popular type of home financing in New York because it offers predictability for your budget.

Conventional Loans
Jumbo Mortgages New York

Jumbo Mortgages New York New York

Jumbo home loans are most appropriate for a segment of high-income earners who make between $250,000-$500,000 a year.

Jumbo Loans

Current

New York

Mortgage Rates

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All 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.

Current

New York

Refinance Rates

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All 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.

  • Kei helped me successfully purchase my first home using an FHA loan. He was extremely informed about best loan options available and how to minimize my closing costs while keeping the best rate! Would absolutely recommend to anyone buying a home!! Zach Mulkern - February 14, 2022
  • Kei was very informative and easy to work with! Thanks for everything Brian - February 2, 2022
  • Kei made my first-time home buying process so easy! Him and his team were so reliable, knowledgeable, and helpful every step of the way. I would highly recommend him! Kathleen Palumbo - October 2, 2021
  • I highly recommend Kei although Im very familiar with buying process as an investor new Construction was new to me and Kei was able to guide me thru process. For all my Home Lending Needs I will go straight to Kei!!! Raul - August 15, 2021
  • Buying a home can be very stressful but thankfully kei made it very easy to understand, and to prepare for. Anytime I was confused or felt overwhelmed with information he was always able to give me a call and explain everything clearly. He locked me in at an Unbelievable rate and even showed up at… Christian Wright - December 28, 2020

More from Zillow

Rating ∙ Reviews on Zillow

m/d/Y

Loan Type
Loan Purpose
Loan Program

Mortgage services provided by - New York New York

Rating ∙ Reviews on Zillow

m/d/Y

Loan Type
Loan Purpose
Loan Program

Mortgage services provided by - New York New York

Mortgage Calculators

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.

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5%

1%

5%

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$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $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.

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. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

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%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

$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.

Curious about refinancing your home in New York? Rates are historically low and now may be the right time to start saving money every month!

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%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*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.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*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.

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Kei The Mortgage Guy

399 Knollwood Rd. Suite 320
White Plains, New York 10603
(845) 238-7673
NMLS# 1740248
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