Business Details
37 Years
experience
Trusted Mortgage Brokers in Smithtown, NY | All Island Mortgage
Founded in 1989, All Island Mortgage & Funding has established itself as a trusted family-owned mortgage brokerage serving clients across 17 states. Our team of seasoned professionals specializes in reverse mortgage financing and holds FHA/VA approval, ensuring access to government-backed loan programs. As members of the National Reverse Mortgage Lenders Association, we maintain rigorous industry standards while providing personalized service through dedicated loan specialists. Our expertise spans conventional and specialized financing solutions, including debt consolidation, college funding, and commercial loans.We prioritize individual client needs regardless of loan size or credit profile, offering flexible options like same-day approvals and in-home closings. With decades of collective experience, we combine local market knowledge with national lending networks to deliver efficient, transparent mortgage solutions tailored to each client's unique financial situation.
Services
Reverse Mortgages
Forward Mortgages
Purchase/Refinancing
Commercial Loans
FHA Loans
VA Loans
Debt Consolidation
College Financing
Investment Homes
Mixed Use Properties
Details
- Year established: 1989
Highlights and features
- We have over 35 years of mortgage brokerage experience
- Our team assigns personal loan specialists for each client
- We specialize in reverse mortgage financing solutions
- We are FHA and VA approved lenders
- We serve clients across 17 states with tailored financing
Associations and certifications
- National Reverse Mortgage Lenders Association
Services
Reverse Mortgages
Our reverse mortgage specialists help senior homeowners convert home equity into cash while maintaining residency. This solution provides financial flexibility for retirement needs without requiring monthly mortgage payments. We guide clients through FHA-approved programs that ensure regulatory compliance and long-term financial security.
FHA Loans
We facilitate FHA-insured loans requiring minimal down payments for qualified borrowers. These mortgages offer competitive rates and flexible credit requirements, ideal for first-time homebuyers or those rebuilding credit histories. Our team ensures compliance with HUD regulations throughout the loan process.
Commercial Loans
Our commercial lending solutions cover investment properties, mixed-use buildings, and business premises. We offer tailored financing options with specialized underwriting for entrepreneurs and business owners seeking property acquisitions or refinancing opportunities across multiple states.
Debt Consolidation
We provide mortgage-based debt consolidation programs to simplify multiple obligations into single monthly payments. This service helps clients manage high-interest debts through home equity solutions, offering potential tax advantages and improved cash flow management.
VA Loans
Our VA loan program specialists assist military veterans in securing zero-down-payment mortgages with favorable terms. We honor service members' sacrifices by facilitating Department of Veterans Affairs-guaranteed loans that maximize benefits while ensuring straightforward qualification processes.
Questions
What mortgage loan types do you offer?
We offer fixed-rate, adjustable-rate, FHA, VA, reverse mortgages, commercial loans, and specialized programs like debt consolidation and college financing solutions.
Are you FHA/VA approved lenders?
Yes, we are FHA-approved and VA-guaranteed mortgage brokers, providing access to government-backed loan programs with favorable terms for qualified borrowers.
How does the mortgage application process work?
Start with pre-qualification to determine borrowing capacity, then submit documentation for pre-approval. Our loan specialists guide you through underwriting, appraisal, and closing processes.
Do you offer reverse mortgage options?
Yes, we specialize in reverse mortgage solutions for seniors, allowing homeowners to convert equity into tax-free cash while maintaining property ownership.
What areas do you serve?
We operate in New York, New Jersey, Florida, California, Texas, and 12 additional states with licensed mortgage brokerage services.
Can I get same-day mortgage approval?
Qualified applicants may receive same-day approvals through our streamlined underwriting process for select loan programs.
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