Long Island Mortgage Company Serving NY & PA

First Time Home Buyer

We have some great, affordable First Time Home Buyer Programs 2024 available!

Stop your family and friends from throwing away hard-earned money by "renting" every month. Why rent when we can help them own! You probably know someone who can actually own a home for close to what they pay in rent! After all, there are so many flexible, innovative first time home buyer loan programs 2024 available in New York and Pennsylvania. Today, there's almost no reason they shouldn't at least try to buy!

VA Loan

Government Backed Loans!

Popular among first time home buyers because these programs do not use credit score, and do not require much credit history. These loans generally have lower down payment requirements, making them a possible solution for Veterans and their spouses. VA mortgages are guaranteed by the Department of Veteran's Affairs. VA loans feature 0% down payment, allowing qualified Veterans the convenience of 100% financing.

Bad Credit Home Loans

If you’ve experienced credit problems you’re not alone. And while you’re probably eager to start rebuilding it today, many lenders won’t give you a chance. Let us help.

Finance your home in New York or Pennsylvania and start rebuilding your credit today with help of our experienced loan officers and bad credit loan.

No-Income Verification Mortgage (Non-QM Loans)

When you can't prove your income or when you're self-employed our team of knowledgeable loan officers can help you get a great loan regardless of proof of income.

We don't see this as an obstacle at all. We can show you why.

Home Purchase

Let Us Help You Turn Your Dream Home Into Reality!

Congratulations! You've found the perfect home. Or have you just started looking for your dream home? Either way, we can help. It's time to choose the home loan that's right for you; but how? At Artisan Mortgage, we give you the tools to make the decision easier. We tailor our Fixed, Adjustable and Combination Rate loans to fit your needs, and offer a variety of terms for most products.

FHA 203k Home Renovation Loan

Financing Available for Home Repairs and Upgrades!

Today's smart homeowners understand the value and benefits of remodeling projects of any kind! Home financing may be sensible way to invest in your home and increase its value over the long haul.

Give us a call today to see how much you qualify for FHA 203k – home renovation loan.

Refinance Solutions

Artisan Mortgage offers a wide variety of New York and Pennsylvania refinancing programs including both fixed rate mortgages and adjustable rate loans. We also have government backed FHA loans and VA mortgages for eligible military veterans, active duty service men and women and their families. Refinancing products exist for most types of residential properties including condo loans and investment property mortgages for rental properties.

FHA Loans

If you're looking for the most attractive mortgage that requires little or no down payment, our experts can help you with the most favorable of terms.

FHA mortgages are insured by the Federal Housing Administration and an FHA loan usually features a down payment of 3%.

Reverse Mortgage

Take Charge of Your Financial Freedom!

A reverse mortgage is a unique home loan which enables senior citizens to recapture a portion of the equity in your home and use this equity in any way you so desire without having to make any monthly payments. If you are not 62 years of age or older, do you know someone who is, and would be interested in learning about a reverse mortgage? If the answer is yes, please give them our contact information, and we will be happy to assist them.

Traditional Mortgage Programs

Artisan has a full spectrum of traditional-type programs at the best available rates. Many offer smaller down-payment options and lower closing costs than typical.

• Purchase loans for residential, investment, and commercial properties. These include conventional, FHA, VA, USDA, fixed or variable rate loans, balloon, and more.

• FHA 203k, home construction and land loans to build that brand-new home, a dreamed-of vacation villa, or your own office building.

• Home equity or refinance loans to take cash out for home improvements or other expenses, consolidate debt, lower your interest rate or payment, or use your equity to purchase another home "non contingent".

Non-Traditional Mortgage Programs

The industry is experiencing a shake up, but there are still excellent loans to be had. One of our strengths is originating home loans for buyers who don't qualify for traditional products.

• Purchase or home equity loan for those with imperfect credit or past bankruptcy

• Low-documentation or stated-income mortgages for the self employed

• Reverse mortgage to allow homeowners age 62 or older to remain in their homes and receive their equity in monthly payments.

If you don't qualify "today" for a home loan, we'll work with you to help set you on a path to ensure you'll qualify tomorrow. We'll look at the long term, and that's something most brokers just don't do.

Personal Service. Professional Results

We believe in promoting home ownership with fair terms. We are a resource for families seeking to realize the dream of home ownership. Whether you're a first time home buyer in Valley Stream, refinancing your existing mortgage in West Babylon, or just seeking information on FHA 203k home improvement loans in Queens, Brooklyn, Staten Island or Manhattan, NY we are your one-stop source.

We, at Artisan Mortgage represent various lending institutions to fund your home loan. Therefore, whatever your needs, our professional representatives can match you with a suitable home loan program whether you're in Hempstead, Bay Shore or Brookhaven. We help people regain control over their finances by putting more of their hard earned money back in their pocket. We do this by providing solutions that lower monthly payments, pay off high interest debts, or provide cash for needed expenses.

Finding a mortgage for your home or your investment across Long Island, Nassau or Suffolk County can be a confusing experience, especially with so many options to choose from.

Our loan officers will guide you through the qualifying process whether you're in Pittsburgh, buying home in Harrisburg or refinancing in Allentown, PA do the shopping for you and explain all your options thereby assisting you in making a fully informed decision.

And, if your credit has been less than perfect or your income is difficult to verify, for all first time homebuyers we can help you experience the dream of home ownership with a special Bad Credit Home Loan across Queens, Brooklyn, Staten Island or Manhattan, NY developed just for you.

Why Do so Many Choose Artisan?

Whether you're in Great Neck, Commack or Garden City, NY you get a dedicated mortgage broker that is hands on throughout the process. We are Long Island, NY loan origination company that's has years of experience in getting mortgage loans closed quickly and correctly across NY & PA States.

We offer a thorough pre-underwrite of your loan file ahead of submission. When you want your loan done correctly the first time utilize our knowledge to avoid potential issues and problems before they occur.

That's how easy we make it for you to purchase a home in Buffalo, get a FHA loan in Rochester or refinance in Syracuse, NY regardless of your needs or financial situation.

Our knowledgeable and experienced loan officers will explore your financing options and help you find the right loan with:

• Hard to Prove Income

  We offer certain home loans that don’t require traditional income documentation.

• Bankruptcy & Foreclosure

  If you have had a bankruptcy or foreclosure in the past, we will work hard to find a loan for you.

• Too Much Debt

  We have flexible underwriting without rigid formulas and percentages. Especially in today’s real estate market, debt levels are on the rise.

• Your Credit Score

  You are more than just a credit score – we review your entire credit profile.