Business Details
Your Trusted Mortgage Broker in New York, NY
Amerifund Home Mortgage has been a trusted partner in mortgage lending for over 25 years, combining deep industry expertise with personalized service. Our team of seasoned loan officers includes CPAs, attorneys, and finance professionals who bring extensive experience in underwriting and mortgage lending. We prioritize efficiency and transparency, ensuring clients receive tailored loan solutions that meet their unique financial needs. Our referral-based business model reflects our commitment to customer satisfaction, with many clients returning through recommendations from satisfied homeowners, realtors, and corporate partners. We maintain corporate affinity programs with leading institutions like Goldman Sachs and Fortress Investment Group, offering employees exclusive access to competitive mortgage rates.Our streamlined process, supported by dedicated back-office professionals, ensures seamless application, underwriting, and closing experiences. We invest in hiring top-tier talent, paying above industry standards to retain experts who prioritize client success. Our calculators and educational resources empower borrowers to make informed decisions about their mortgages. With licenses across multiple states, we serve clients nationwide while maintaining a local focus on New Yorks unique market. Our reputation as a reliable, client-centric lender is built on decades of delivering low rates, superior service, and stress-free mortgage solutions.
Services
Mortgage Loans
Jumbo Loans
DSCR Loans
Refinance Services
Corporate Affinity Programs
Highlights and features
- Our team includes CPAs, attorneys, and finance experts with decades of mortgage lending experience.
- We offer exclusive corporate affinity programs with top-tier institutions like Goldman Sachs.
- Dedicated processors and underwriters ensure fast, efficient loan approvals.
- We provide access to competitive wholesale mortgage rates nationwide.
- Our referral-based business model reflects our commitment to client satisfaction.
Associations and certifications
- Licensed Mortgage Banker NYS Department of Financial Services
- Residential Mortgage Lender New Jersey Division of Banking & Insurance
- Mortgage Lender Connecticut Department of Banking
- Mortgage Lender Florida Office of Financial Regulation
- California Department of Business Oversight
- Licensed Lender, Massachusetts Division of Banks
- Licensed Lender, Colorado Division of Banking
- Licensed Lender, Texas Department of Banking
Services
Mortgage Loans
Amerifund offers a full range of mortgage loans tailored to individual financial situations, including fixed-rate, adjustable-rate, and specialty programs. Our experienced loan officers guide clients through the application process, ensuring competitive rates and personalized terms. With access to wholesale lending networks, we secure optimal financing solutions for first-time buyers, investors, and refinancers.
Jumbo Loans
We specialize in jumbo loans exceeding conforming loan limits, ideal for high-value properties in markets like Long Island. Our underwriting experts evaluate unique financial profiles to structure loans that meet non-traditional income requirements. Clients benefit from streamlined approvals and competitive pricing on luxury home purchases or refinances exceeding standard Fannie Mae limits.
DSCR Loans
Designed for real estate investors, DSCR loans focus on property cash flow rather than personal tax returns. We calculate debt service coverage ratios using rental income projections to qualify borrowers. This program suits investors with complex financial portfolios seeking financing for multi-unit or commercial properties without traditional W2 documentation.
Refinance Services
Our refinance options help homeowners reduce monthly payments, shorten loan terms, or access equity through cash-out refinances. We analyze current market rates and client financial goals to determine optimal timing. The process includes rate locks, document preparation, and closing coordination to maximize savings while minimizing disruption.
Corporate Affinity Programs
We partner with major corporations to provide exclusive mortgage benefits for employees, including discounted rates and dedicated loan officers. Companies like Goldman Sachs and PepsiCo utilize our program for relocation and home purchase needs. Employees receive personalized service with a single point of contact, ensuring stress-free transactions aligned with corporate mobility timelines.
Questions
What mortgage programs do you offer?
We provide conventional, jumbo, DSCR, FHA, VA, and refinance loans, along with corporate affinity programs for employees of partner companies.
How does the DSCR loan process work?
DSCR loans use rental income projections divided by proposed mortgage payments to determine eligibility, ideal for investors without traditional income documentation.
Can I get pre-approved before house hunting?
Yes, our pre-qualification process evaluates your financial profile to establish borrowing limits and rate estimates before you begin home shopping.
What states do you operate in?
We are licensed in New York, New Jersey, Connecticut, Florida, California, Massachusetts, Colorado, and Texas, serving clients nationwide.
How do corporate affinity programs benefit employees?
Employees receive exclusive mortgage rates, dedicated loan officers, and streamlined processing tailored to relocation or home purchase timelines.
What documents are needed for a mortgage application?
Typical requirements include proof of income, tax returns, bank statements, and property details, with specifics varying by loan program.
