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Mortgage Company Frequently Asked Questions

To help you make the right decisions when financing your new home, it is important to ask your lender the right questions. For your convenience, Artisan has compiled a comprehensive list of questions frequently asked by new homebuyers during the loan process.

Please take a moment to learn more about Artisan Mortgage in general by reading the list of frequently asked questions below.

  1. Why use Artisan Mortgage?
  2. Our mission
  3. Your partner in service
  4. How Artisan Mortgage can help you?
  5. Do I need to have good credit to get a loan?
  6. I really want to own my own home, but I'm not sure I can afford it. Where do I start?
  7. What documents will I need to provide when I apply for a loan?
  8. Will I pay more for my loan if I get it through a broker?  


Why Use Artisan Mortgage?


Great Rates and Low Closing Costs

Artisan Mortgage offers the lowest possible rates on loans with ultra low closing costs and never any 'miscellaneous' hidden expenses.

It's an old formula, but it works: we work on a high volume of mortgage loans, with low overhead. By centralizing our operations and using the latest technology, we can cut costs significantly. As a result, you take advantage of great rates on high-quality loans at a big cost savings.

Making It Easy

The process is convenient! You can complete a loan application on-line, or one of our loan representatives will send an application packet for next-day delivery. Throughout the process, we will stay in close contact via the internet, overnight mail, telephone and fax. You can always be in touch with our loan representative.

At Your Service

As a service organization, our only measure of performance is customer satisfaction. That's why we go out of our way to ensure that you are completely satisfied with our financial solutions.

Our Mission

Rising Above Your Expectations

We are committed to exceeding your needs and expectations through innovative thinking, planning, dedication and the timely delivery of products and services that are unequaled in value.

Your Partner In Service

Committed To Your Success

The loan representatives at Artisan Mortgage have the experience to help you coordinate both short- and long-term financial goals. We take the time getting to know you and understand the details of your situation. Then we assist you in making a strategic decision with an appropriate mortgage product. This unique partnership ensures that you get maximum value from the real estate you own.

Personal Service

You get more than just a mortgage when you work with us. You benefit from a personalized, comprehensive plan that can truly strengthen your financial position.

Quality Solutions

As a volume lender, we offer a wide selection of competitively priced mortgage products. Artisan Mortgage will help you make the right choice for your unique situation and save you money, both at closing and over the life of your loan.

How Artisan Mortgage Can Help You?

Connections That Work For You

We have developed long-term relationships with numerous wholesale national investors. This helps us provide you a variety of competitively priced loan products. We offer loan programs for your primary residence, a second or vacation home, or an investment property.

Whatever your needs are, Artisan Mortgage can help.

Delivering What You Need

Our loan representatives are knowledgeable about the many loan programs we offer. Their goal is to analyze your situation and determine the program that best meets your needs. Our loan products and services are updated regularly to meet changing market conditions and our borrower requirements.

Save Time And Frustration, Give Yourself An Advantage

Choosing a home only to find out you can't afford it can be upsetting -- emotionally and financially. That's why it pays to be approved before you look for a home. You will gain a number of important advantages, and in today's competitive market, you need every advantage you can get. We offer you pre-approval that can save you time and frustration as you shop for your new home.

Do I need to have good FICO credit score to get a loan?

No, Artisan Mortgage specializes in helping consumers with all types of credit find a mortgage loan to meet their needs. We search our nationwide network of professionals and put you in contact with the one best suited to help you find the right type of home financing. Our mortgage professionals will help you work through your past problems and move towards a brighter future.

I really want to own my own home, but I'm not sure I can afford it. Where do I start?

Lots of people don't even consider buying a home because they're afraid they can't afford it. But for most people, homeownership is within reach - especially with some of the special programs for first-time home buyers. In fact, for many, homeownership is just as affordable as renting - in some cases even more affordable. The best place to start is with a Artisan Mortgage recommended broker. It's free, there's no obligation, and a broker can help you explore all the options of homeownership.

What documents will I need to provide when I apply for a loan?

Be prepared to provide verification of income, including your pay stub and tax returns for the previous two years. You will also need to provide bank account numbers and details about your long-term debt, including credit cards, auto loans, child support, etc. If you are self-employed, you may need to provide financial statements for your business. Lenders want detailed information. For example, the origin of your down payment will be queried.

Will I pay more for my loan if I get it through a Artisan Mortgage broker?

Not necessarily, though the broker does perform a service for which he or she receives a fee. When a broker processes the paperwork on a loan, it costs less for the lender to make the loan. Therefore, lenders often discount loans to brokers. Here's an example of how it might work: Say a borrower finds a loan on their own at a rate of 7.5 percent with two points. A broker gets the same loan for 7.5 percent, but pays only one point. The broker may then add one point to cover his or her fee, but the cost to the borrower is the same - 7.5 percent with 2 points. The borrower pays no additional cost and benefits from the broker's service. By state law, the broker's fee and the discount the lender offers the broker must be disclosed to the borrower.

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Specialties

  • Home Purchase and Refinance Loans
  • FHA, VA, USDA and Conventional Loans
  • Fixed and Adjustable Rate ARM
  • FHA 203k Rehab
  • First Time Home Buyer Loans
  • Reverse Mortgages
  • Home Affordable Refinance Programs (HARP)
  • Home Equity Loan
  • Bad Credit Programs
  • Construction & Renovation

Accreditation & Awards

  • A+ Rating with Beter Business Bureau (BBB)
  • Over 19 years of experience
  • Voted The Best Mortgage Company on Long Island
  • New York Association of Mortgage Brokers NYAMB
  • National Association of Mortgage Brokers NAMB