Business Details
19 Years
experience
Trusted Mortgage Solutions in New York
Charles Martin Mortgage was founded in late 2007 during the financial crisis with a mission to provide exceptional service and client-oriented solutions. Our team of highly skilled mortgage professionals prioritizes clear communication and personalized guidance throughout the entire mortgage process. With decades of combined experience, we specialize in residential, commercial, and investor mortgage products tailored to meet diverse client needs. Our commitment to perseverance and problem-solving has helped clients secure financing when other lenders could not deliver.We maintain strong relationships with multiple lending partners to offer competitive rates and customized solutions. Our culture emphasizes transparency, attention to detail, and treating clients like family rather than transactions. Over 15 years of operation have solidified our reputation as a trusted partner in New York and New Jersey markets. We consistently exceed client expectations by combining industry expertise with a human-centered approach to mortgage services.
Services
Residential Mortgages
Commercial Mortgages
Investor Loans
Refinancing
Cash-Out Equity
Details
- Year established: 2007
Highlights and features
- We offer 16+ years of mortgage industry experience with personalized service
- Our team maintains direct relationships with multiple wholesale lenders
- We provide 7-day availability and transparent communication throughout the process
- Specialized expertise in complex mortgage scenarios and investment properties
- Proven track record of closing transactions within 3 weeks of application
What people say
Professional and detail-oriented
Smooth transaction process
Quick response times
Treated like family
Competitive rates
Services
Residential Mortgages
We specialize in residential mortgage solutions for primary residences, second homes, and vacation properties. Our experienced team guides clients through every step from pre-qualification to closing. With access to multiple lending partners, we offer competitive rates and flexible terms tailored to individual financial situations while maintaining New York and New Jersey market expertise.
Commercial Mortgages
Our commercial mortgage services cover mixed-use, office, retail, industrial, and manufacturing properties. We connect business owners with specialized lenders offering tailored financing solutions. Our team handles complex commercial transactions with attention to cash flow requirements and investment objectives while maintaining deep regional market knowledge in New York and New Jersey.
Investor Products
We provide specialized mortgage products for real estate investors with multiple properties. Our solutions include cash flow optimization, reduced documentation options, and flexible down payment requirements. Investors benefit from our expertise in portfolio financing and ability to structure loans that maximize returns while meeting specific investment goals across various property types.
Refinancing
Our refinancing services help homeowners lower interest rates, adjust loan terms, remove mortgage insurance, or access home equity. We analyze each client's unique situation to determine optimal refinancing strategies. Clients benefit from our wholesale pricing access and ability to complete refinancing transactions efficiently while maintaining personalized guidance throughout the process.
Cash-Out Equity
We offer cash-out refinance options that convert home equity into usable funds for debt consolidation, home improvements, or investment opportunities. Our team structures these transactions to maintain favorable loan-to-value ratios while maximizing available equity. Clients receive tailored advice on the financial implications of accessing home equity through this financing option.
People
Nicholas Aversa
Founding Partner / MLO
With 15+ years in mortgage banking, Nicholas leads our team with expertise in complex loan structures and client relationship management. His commitment to personalized service has earned industry recognition and client loyalty.
Michael Consolmagno
Mortgage Loan Officer
Michael specializes in residential and investment property financing, known for simplifying complex processes and maintaining 24/7 availability to clients. His client-first approach consistently delivers successful transactions.
Frederick Willecke
Mortgage Loan Officer
Fred brings extensive experience in mortgage underwriting and loan processing, ensuring smooth transactions through meticulous attention to documentation requirements and regulatory compliance standards.
Leonard Bosso
Commercial Loan Consultant
Len specializes in commercial mortgage solutions, leveraging market knowledge to structure financing that aligns with business owners' investment strategies and property requirements.
Tina Bianco
Senior Loan Processor
Tina manages loan processing operations with precision, ensuring timely document preparation and submission while maintaining quality control across all transaction types.
Questions
What mortgage products do you offer?
We provide residential mortgages, commercial loans, investor products, refinancing options, and cash-out equity solutions for properties in New York and New Jersey.
How quickly can you close a mortgage?
Our average closing time is 3 weeks from application, with expedited options available for qualified borrowers needing faster closings.
Do you work with first-time homebuyers?
Yes, we guide first-time buyers through every step of the process while offering specialized programs for new homeowners.
Can you help with investment property financing?
We specialize in investment property loans with flexible documentation options and competitive terms for multi-property investors.
What areas do you service?
We primarily serve New York and New Jersey, with experience handling properties in both urban and suburban markets.
How do you maintain competitive rates?
Our direct relationships with multiple wholesale lenders allow us to shop rates on your behalf without additional fees.
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