Business Details
Your Trusted Mortgage Experts in Melville, NY
JM Capital Group is committed to helping clients secure the best mortgage rates through personalized service and extensive industry expertise. With decades of combined experience, our team specializes in navigating complex lending landscapes to deliver tailored solutions for first-time buyers, seasoned investors, and everyone in between. We prioritize client loyalty and transparency, guiding customers through every step of the mortgage processfrom loan origination to closingwith a focus on competitive rates, no upfront fees, and a relaxed, no-pressure environment.Our proven track record includes successfully steering clients through market challenges, including the 2008 housing crisis, while maintaining strong relationships with lenders to ensure optimal outcomes.
Services
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
Refinance
Highlights and features
- We specialize in FHA, VA, jumbo, and non-QM loans for diverse client needs.
- Our team has decades of experience navigating complex mortgage markets.
- We offer no upfront fees and work exclusively for client interests.
- We provide personalized guidance through every step of the lending process.
- Our relationships with lenders ensure access to competitive rates and terms.
Associations and certifications
- National Mortgage Licensing System (NMLS)
- New York State Department of Financial Services
What people say
Terrific job
Best deal
Quick process
Excellent service
Dedicated support
Services
FHA Loans
FHA loans provide accessible financing for first-time buyers with lower credit scores or limited down payments. Our team simplifies the application process, ensuring compliance with federal guidelines while securing favorable terms for clients seeking affordable homeownership opportunities.
Jumbo Loans
Jumbo loans cater to high-value property purchases exceeding conventional loan limits. We connect clients with specialized lenders offering competitive rates and flexible underwriting for luxury homes or investment properties in premium markets.
Reverse Mortgages
Reverse mortgages enable homeowners aged 62+ to convert equity into tax-free income. Our experts explain eligibility requirements, payment options, and long-term implications to help seniors achieve financial stability without monthly mortgage payments.
Non-QM Loans
Non-QM loans serve borrowers with unique financial profiles, such as self-employed individuals or those with credit challenges. We leverage relationships with niche lenders to structure loans based on asset reserves, cash flow, or alternative documentation.
Refinance
Refinancing helps clients reduce interest rates, adjust loan terms, or access home equity. Our process includes rate comparisons, break-even analysis, and streamlined documentation to maximize savings while minimizing closing costs.
People
Michael Gross
President
Michael Gross founded JM Capital Group with a focus on exceptional service and mortgage expertise. With decades of experience, he has guided clients through market crises, prioritizing customer loyalty and transparent lending practices.
John Pammer
Principal
John Pammer brings 15+ years of mortgage consultation experience to JM Capital Group. A top-producing originator, he specializes in client education and Long Island market insights, balancing professional excellence with family commitments.
Questions
What loan types does JM Capital Group specialize in?
We offer FHA, VA, jumbo, reverse, and non-QM loans, along with refinancing options tailored to diverse financial situations.
How do you help clients with bad credit?
Our non-QM loan programs accommodate unique credit profiles, focusing on asset reserves and alternative documentation to secure financing.
Are there upfront fees for your services?
No, we charge no upfront fees—our compensation comes from lenders, ensuring cost-free guidance for clients.
Can you assist first-time homebuyers?
Yes, we specialize in first-time buyer programs with low down payments and flexible qualification criteria.
What areas do you serve?
We primarily serve Melville, Long Island, and surrounding New York regions with local market expertise.
