Manhattan, NY Mortgage Broker: We Are Here to Help You Buy, Refinance or Improve Your Home

When you make the decision to build or buy a home, or to improve the home you now own, we can help. We offer a wide variety of competitive Manhattan NY home loans, mortgage rates and terms to fit your needs, and to use for a variety of purposes.

First Time Home Buyer Programs

We offer an array of programs for those purchasing their first home. The programs provide qualified borrowers with money saving benefits and low down payment options.

Fixed-Rate Loans

A variety of repayment terms are available. Both the interest rate and the monthly payments stay the same during the life of the loan. They are quoted based on the term of the loan requested.

Adjustable-Rate Loans

The interest rate varies over the life of the loan based on current market. The loan agreement sets the date on which the rate and monthly payments can change. There is a limit on the amount the rate can increase or decrease.

Balloon Loans

They have a fixed rate. A variety of amortization terms are available. There is a lump sum (balloon) payment due at maturity.

FHA 203k Home Renovation & Construction Loans

These loans have specific conditions from the Federal Housing Administration and generally have lower interest rates. FHA 203k home loan program in Manhattan NY also permits a higher loan credit availability against the property value. It has the FHA guarantee, facilitating home acquisition and financing up to specific limits. Subject to credit approval.

Home Equity Line of Credit Loans

HELOCs are adjustable loans with an extended repayment term for owner occupied dwellings. Application is made for a maximum credit limit that is revolving/reusable. Funds are accessed through a dedicated checking account. Accounts are billed interest due each month. The total loan-to-value (first and second lien) maximum is 80%.

Fixed-Rate Home Equity Loans

A variety of repayment terms are available.

Real Estate Investor Loans

Available for tenant-occupied residential dwellings. Fixed, Balloon, and Adjustable terms are offered.

Specialty Loans

We offer loans that reduce the amount of paperwork needed to complete a loan. These types of loans are particularly beneficial for self-employed borrowers.

Naturally, you need to evaluate whether the costs for refinancing mortgage in Manhattan New York make sense for your particular situation. At Artisan, we help you understand your options.

First, we will listen to your needs. We talk you through important points, such as how long you plan to stay in your home, and how much it's going to cost you to refinance. Then, we will take you through our easy application process. We customize a financial plan to fit your goals.

We want to know our customers, what their expectations are from their banking relationship, and surpass those expectations whenever possible. You'll find our Artisan representatives professional, knowledgeable and friendly.

Artisan strives to be the outstanding financial institution in the communities it serves by providing: a high level of personalized service and attention to our customers, competitive loan products and a challenging and rewarding work environment for our staff of professional mortgage brokers.

Our mortgage loan consultants are available to offer more than you thought possible. With many Manhattan NY home loan programs available, you will not only maximize the amount you are able to borrow but you will also get the best interest rate possible.

Construction/Permanent Financing

Available if you need payments made to contractors during construction of your new home. Use of an experienced contractor is required. Up to four disbursements are allowed during construction. We generally finance up to 80% of value under this adjustable-rate program.

Vacant Lot Loans

The purchase of a future home site may be financed. We generally finance up to 75% of value under this balloon loan program.

Bridge Loans

Borrow money on equity against current home to finance new home; good for relocation.

Equity Savings Program

Equity Savings Program is designed to help you plan for your family's financial well being in years to come. You make additional payments against the principal portion of your mortgage loan, saving you thousands of dollars.

Commercial Loans

Artisan recognize existing needs of entrepreneurs to build and fund business ventures. A business loan is offered to help meet those commercial needs within the association's area of expertise.