Business Details
Your Trusted Mortgage Partner in Melville, NY
At Nmbnow, we are committed to transforming homeownership dreams into reality through our transparent, personalized, and empowering mortgage experience. Founded on principles of integrity and customer-centric service, we have built our reputation as the fastest-growing mortgage company in the nation by prioritizing education, transparency, and unwavering support. Our team of seasoned professionals brings decades of combined expertise in navigating complex mortgage landscapes, offering tailored financing solutions that align with diverse financial goals.As a trusted advisor, we guide clients through every step of their homeownership journey, leveraging our industry knowledge and innovative digital tools to simplify processes. Our culture of collaboration and excellence attracts top talent, ensuring clients receive authoritative guidance backed by rigorous compliance and ethical standards. With nationwide branch coverage and a focus on community-driven lending programs like Lending to Heroes, we combine boutique-level service with national scalability to deliver reliable, client-focused outcomes.
Services
Purchase Loans
Refinance Loans
FHA Loans
VA Loans
Jumbo Loans
USDA Loans
Reverse Mortgages
New Construction Loans
Non-QM Loans
First Time Home Buyer Loans
Highlights and features
- We offer 20+ years of mortgage industry expertise with dedicated loan officers
- Our patented BuyNOW platform accelerates home purchase approvals
- We provide state-specific mortgage programs for unique local markets
- Our team maintains 98% client satisfaction ratings across 18,500+ reviews
- We operate with full fee transparency including no application fees
What people say
Quick response times
Patient first-time guidance
Transparent fee structure
Competitive rates
Efficient closing process
Services
Purchase Loans
Our purchase loan programs help buyers achieve homeownership with flexible down payment options starting at 3%. We offer conventional, FHA, VA, and USDA loan products with competitive rates. Our digital platform enables pre-approval in minutes while dedicated loan officers provide personalized guidance throughout the process. Special programs exist for first-time buyers and military families.
Refinance Loans
Refinance solutions help homeowners reduce monthly payments, access equity, or adjust loan terms. We offer rate-and-term, cash-out, and streamline refinance options with expedited processing. Our team analyzes current market conditions and individual financial situations to determine optimal refinance strategies while maintaining full cost transparency.
VA Loans
Specialized mortgage programs for veterans, active-duty personnel, and eligible spouses featuring 100% financing with no down payment requirements. Our VA-approved lenders guide clients through the unique benefits of these loans, including competitive rates and waived mortgage insurance requirements while honoring service members' housing needs.
FHA Loans
FHA-insured loans designed for low-to-moderate income borrowers with minimum 580 credit scores. We offer 3.5% down payment options and flexible qualification standards. Our counselors educate clients on FHA 203k renovation loans that combine purchase and improvement financing while maintaining affordable monthly payments.
Jumbo Loans
Non-conforming loan solutions for high-value properties exceeding conventional loan limits. We provide financing up to $3 million with competitive rates and flexible underwriting standards. Our specialists work with luxury homebuyers to structure optimal loan terms while maintaining compliance with evolving regulatory requirements for premium real estate transactions.
People
Richard Steinberg
Founder and Chairman
With over 30 years in mortgage banking, Richard established NMB to revolutionize homeownership access. He drives strategic vision while maintaining focus on customer-first principles.
Michael Brennan
President
Leading daily operations, Michael brings 25+ years of mortgage leadership experience. He oversees national expansion while ensuring service quality across all branches.
Robert Jayne
Chief Production Officer
Managing loan production nationwide, Robert optimizes processes to maintain fast turnaround times. His 20-year mortgage career focuses on operational excellence.
Mary O'Sullivan
Chief Operating Officer
Overseeing organizational strategy, Mary ensures alignment with core values. Her leadership maintains the company's boutique service culture during rapid growth phases.
Jarrett Stanley
Chief Marketing Officer
Driving brand strategy, Jarrett leverages digital innovation to enhance customer experience. He manages national marketing campaigns that emphasize mortgage education.
Questions
What mortgage types do you offer?
We provide conventional, FHA, VA, USDA, jumbo, reverse, and non-QM loans, plus specialized programs for first-time buyers and community servants.
Can I get pre-approved online?
Yes, our digital platform enables pre-approval in minutes with instant decisioning, though final approval requires full documentation review.
Do you charge application fees?
No application, processing, or underwriting fees for standard mortgage products, including our Lending to Heroes program.
How does your BuyNOW platform work?
BuyNOW provides underwritten pre-approvals that strengthen purchase offers through verified financial validation and accelerated closing timelines.
What states do you operate in?
We offer mortgage services in all 50 states with physical branches across New York, New Jersey, Florida, Texas, and North Carolina.
Can I refinance with bad credit?
While minimum credit scores apply, our loan officers evaluate each case individually and may offer specialized programs for credit improvement scenarios.
