Business Details
20 Years
experience
Your Trusted Mortgage Partner in Mineola, NY
Since 2006, Patriot One Mortgage Bankers has been dedicated to providing customized mortgage solutions for home buyers and homeowners across New York. Founded by Susan Khani, a mortgage industry veteran with over 35 years of experience, our team specializes in tailoring loan programs to meet the unique needs of each client, including veterans and those with less-than-perfect credit. We pride ourselves on streamlining the mortgage process through efficient systems and a commitment to exceptional customer service.Our direct-lending model ensures personalized support from application to closing, with staff available daily to address client concerns. With a focus on transparency and education, we empower borrowers to make informed financial decisions that align with their long-term goals. Our reputation, built largely on referrals, reflects our dedication to delivering reliable, client-centric mortgage services.
Services
Home Purchase
Refinance
FHA Loans
VA Loans
Reverse Mortgage
Details
- Year established: 2006
Highlights and features
- We offer 35+ years of mortgage banking expertise tailored to New York's housing market.
- Our team provides personalized loan programs for veterans and borrowers with diverse credit profiles.
- We guarantee efficient loan processing with faster turnaround times than industry averages.
- Our direct-lending model ensures transparent communication and dedicated client support.
- We maintain a 98% customer satisfaction rate based on verified client reviews.
Associations and certifications
- NMLS
What people say
Knowledgeable staff
Streamlined process
Personalized support
Competitive rates
Quick approvals
Services
Home Purchase
We provide comprehensive mortgage solutions for first-time buyers and experienced homeowners. Our loan officers guide clients through property selection, pre-approval, and closing processes. Tailored programs include conventional, FHA, and VA options with competitive rates for qualified borrowers.
Refinance
Our refinancing services help homeowners reduce monthly payments, consolidate debt, or adjust loan terms. We offer rate-and-term refinancing, cash-out options, and specialized programs to eliminate PMI. Expert analysis ensures optimal timing for refinancing decisions.
FHA Loans
We specialize in FHA-insured mortgages requiring low down payments and flexible credit requirements. Our specialists assist borrowers with FHA loan qualifications, property eligibility, and streamline refinance options. Educational resources help clients understand FHA-specific regulations and benefits.
VA Loans
We offer exclusive mortgage programs for eligible veterans and active-duty personnel. Services include VA loan application assistance, certificate of eligibility processing, and specialized refinancing options. Our team ensures compliance with VA-specific appraisal and underwriting standards.
Reverse Mortgage
Our reverse mortgage specialists help seniors access home equity while maintaining ownership. We provide HECM program details, financial counseling referrals, and payment option comparisons. Comprehensive guidance ensures clients understand long-term implications and eligibility requirements.
People
Susan Khani
Founder
Susan Khani established Patriot One Mortgage Bankers after 35 years in the mortgage industry. Her expertise in New York's housing market ensures clients receive strategic financing solutions. Susan's leadership emphasizes ethical lending practices and community-focused service.
Questions
What mortgage options are available for first-time homebuyers?
We offer FHA loans with 3.5% down, conventional loans with 3% down, and specialized programs for veterans. Our loan officers help first-time buyers choose the best option based on credit profile and financial goals.
Can I refinance with bad credit?
Yes, we offer credit-challenged refinance programs. Our team evaluates your specific situation to determine eligibility and works to improve your financial standing through tailored solutions.
How does the mortgage application process work?
Start by submitting basic financial information online. Our team then guides you through document collection, pre-approval, appraisal, and closing. The average process takes 30-45 days with our expedited service.
What are the benefits of working with a direct lender?
As a direct lender, we control the entire process from underwriting to closing. This eliminates third-party delays, ensures consistent communication, and allows for more flexible loan approval decisions.
Do you offer jumbo loans for high-value properties?
Yes, we provide jumbo loan options for properties exceeding conforming loan limits. Our specialists help determine qualification criteria, including credit requirements and debt-to-income ratios for luxury home purchases.
