Business Details
21 Years
experience
Your Trusted Mortgage Partner in Bayport, NY
Founded in 2005, our company was established on the principle of providing innovative mortgage solutions that prioritize client needs. Our team combines decades of banking experience with access to diverse lending channels to deliver exceptional pricing, processing, and funding schedules. We specialize in residential and commercial mortgage programs, serving clients across all 50 states while maintaining licensed operations in New York and Florida. Our mission centers on professionalism, integrity, and matching client goals with tailored financial products.With a lean yet experienced team, we have facilitated hundreds of millions in loan origination within our first 15 months of operation. Our expertise spans land loans, condominium developments, multi-family units, and commercial properties. Headquartered in Bayport, New York, we remain committed to evolving with market demands while upholding our founding values of client-centric service and industry leadership.
Services
Residential Mortgage Loans
Commercial Mortgage Loans
Mortgage Broker Services
Loan Processing
Mortgage Consultation
Details
- Year established: 2005
Highlights and features
- We offer 75+ years of combined mortgage industry experience.
- Our team maintains licensed operations in multiple states.
- We provide access to diverse lending channels nationwide.
- Our process emphasizes transparent communication and timely execution.
- We specialize in complex residential and commercial loan structures.
Associations and certifications
- New York State Department of Financial Services
- Florida Office of Financial Regulation
What people say
Professionalism and expertise
Prompt communication
Simplified loan process
Services
Residential Mortgage Loans
We provide customized residential mortgage solutions for first-time buyers and seasoned investors. Our programs include conventional, FHA, and specialty financing options for primary residences, second homes, and investment properties. With access to multiple lenders, we ensure competitive rates and terms tailored to individual financial situations.
Commercial Mortgage Loans
Our commercial lending division specializes in financing for multifamily properties, retail centers, industrial warehouses, and mixed-use developments. We offer flexible terms for acquisition, refinancing, and construction projects with loan amounts up to $25 million. Our relationships with institutional lenders enable efficient processing for complex commercial transactions.
Mortgage Broker Services
As independent brokers, we connect clients with optimal lending solutions across national banks, regional institutions, and boutique lenders. Our brokerage model eliminates conflicts of interest by focusing solely on client needs rather than proprietary products. This approach ensures access to exclusive rate programs and specialized underwriting criteria.
People
Thomas A. DiGilio
Founder and President
With over 25 years in mortgage banking, Thomas established TMCG to combine institutional expertise with personalized service. He oversees strategic operations and maintains key lender relationships.
Dawn Cappozzola
Operations Manager
Dawn manages daily operations with 15+ years of mortgage industry experience. She ensures seamless loan processing and compliance with state and federal regulations.
Al Diemer
Loan Production Manager
Al leads loan origination efforts, leveraging 20 years of client-facing experience to deliver tailored financing solutions for residential and commercial borrowers.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, and specialty residential loans, plus commercial financing for multifamily, retail, and industrial properties.
Are you licensed in my state?
We hold licenses in New York and Florida, with nationwide commercial lending capabilities through partner institutions.
How does your mortgage process work?
We begin with a consultation to assess financial goals, then match clients with optimal loan programs and guide them through closing.
What sets you apart from other lenders?
Our independent broker model provides access to multiple lenders while maintaining personalized service and competitive pricing.
