Staten Island, NY Mortgage Broker: Explore Our Home Loan Solutions for Buying, Renovating or Refinancing Your Home

Whether you are looking for a 30 year fixed, adjustable, or a 100% financing, we will find the best options for you. We offer home loan programs that are designed for any type of credit - even if you've had some problems in the past and programs that allow for cash-out to use any way you'd like.

Artisan Mortgage Company will help you manage the purchase and equity of your most important asset, your home.

We are in the business of helping people achieve their dreams. Whether it be a young family purchasing their first home, or a mature family refinancing to send their children to college; at the end of the day, our hard work and effort, makes that possible. We look forward to serving your mortgage needs both now and in the future.

Home Equity Loans

Home equity loans through a second mortgage have continued to increase in popularity and demand ever since their creation. As homeowners in Staten Island NY learn about home equity options they are discovering how to access the value stored in their house without having to sell their house. We understand that no two homeowners are alike. Some homeowners would rather not touch their 1st mortgages, while others lack the equity to refinance their house. We are committed to helping homeowners with customized home equity programs. As experts we have developed an innovative selection of second mortgage products that will help you maximize your home equity.

Interest Only Loan Programs

Although there are several types of interest only loans, most of them are similar in nature (ie: pay interest only) with a wide variety of interest rate change options. An interest only loan payment is easy to calculate; simply multiply the loan balance by the interest rate and divide by 12. Most interest only loans are based on the LIBOR index. All interest only loans have pre-set rate limits and caps in place. Interest Only loans (referred to as I/O’s) are a great choice for consumers who want to manage their principle balance by making additional payments at their convenience.

Fixed and Variable Rate Loans

Many homeowners and home shoppers look for financing based just on the lowest rate, but rate is only one part to consider. Fixed-rate have a fixed interest rate and monthly payments throughout the life of the loan, thus the name. The amount you pay will never change, no matter how the prime rate (from which interest rates are established) changes. Adjustable-rate mortgages are not set in stone and the monthly payment and interest rate may change at different times based on the prime rate. If the prime rate goes up or down, so will your the interest you pay and your monthly payments. Our loan officers will help you through all of the options and will match you with the Staten Island NY home loan that best suits your current situation and end goals.

No Income Verification

Because of the great need of diverse borrowers, a no income verification programs has become very commonplace.

Many borrower's are self employed, commissioned, or receive tip income, which can be difficult to verify. No income verification loans are available at a surprisingly low rate. Generally, a borrower must prove that they are a legal business if self employed and provide proof such as a professional license. These type of loans rely heavily on a credit rating in lieu of documentation. Ask our loan professional for a rate quote for this product.

As the value of your home increases and as you pay off your mortgage you build equity that you can use through a second mortgage or refinancing in Staten Island NY. Since interest rates fluctuate often, it is very important to look into the terms of your mortgage loan. It is very common and acceptable to refinance several times over the life of your mortgage. 

Choosing a first mortgage refinance can save you money through a better rate or monthly payment, however it can also be used to consolidate credit card debt or to cash-out the money you’ve earned in your home. Refinancing is just updating or restructuring the existing financing on your home.

Refinancing with a new loan can reduce your payment and pay off years sooner - while a payment stays the same. Some reasons to consider a mortgage refinance: Save you hundreds of dollars every month. Enable you to pay off your home years sooner. Help put your home's equity to work for you.

Client Reviews

You did an outstanding job with our loan process. I don’t know if you are aware of this, but we closed in 12 business days from the first time we spoke. I was impressed because you did exactly what you told me you would do. You were thorough in your description of the loan process and left no stone unturned. You did a great job in keeping in constant contact with me throughout the loan process and assured me that you could meet my financial goals through your loan product. You made my customer experience exactly what it should be, trouble free. I look forward to refinancing in a couple of years with Artisan Mortgage.

Less Than Perfect Credit?

We realize that nobody’s perfect. We specialize in helping homeowners who have had credit problems get a Staten Island NY home loan that typically saves them hundreds of dollars a month off their total bills. We find the loan that best suits your financial needs whether your credit is perfect or less than perfect. The difference with us is that we look at the whole picture and design a loan solution to fit your unique situation. Even if you have been turned down by other companies, we may still be able to help you get a lower rate, get cash out, or consolidate debt. We pride ourselves on making every effort to help those that need it most. The way we see it, you’re a homeowner already and that is an amazing accomplishment. Remember, millions of people have turned their credit problems around…you can too.

With a wide array of loan programs in our portfolio, we can help you find the program that will add value to your house without adding cash flow concerns.