Start Your MORTGAGE JOURNEY
Discover Your MORTGAGE OPTIONS
Conventional Home Loans
Our conventional home loan options are the ideal middle of the road mortgage for the average family or household.
Investor Property Mortgages
Investing in a rental? Get qualified based on expected monthly rental income. We make property investments easy.
HELOCs
Tap into the power of your home’s equity with a Home Equity Line of Credit (HELOC). Consolidate debt, finance home improvements, and more. Discover our HELOC options today.
Government Home Loans
Our government home loans offer suitable solutions for families and individuals beyond what conventional loans can provide.
Jumbo Home Loans
Our high-end jumbo home loans are the ideal choice for the purchase of high-value property across New York, Pennsylvania, and Florida.
VA Loans
VA Loans are designed to help qualified veterans, active service members, and spouses own a home.
New Home Construction
Our new home construction loans are designed to make your dream home a reality. Click here to see new construction mortgage options.
Bank Statement Loans
Bank Statement Loans allow qualified borrowers to provide their personal or business bank statements in lieu of tax returns to qualify for a mortgage.
Renovation Loans
We offer a variety of personal renovation loan options to suit your specific needs and budget. Click here to learn more.
Your MORTGAGE TEAM
Charles J. Bucciarelli
President
NMLS# 67113
Licensed in New York, Florida, and Pennsylvania
Cell: 585-330-7790
Office: 585-288-2930 ext 101
Email: [email protected]
Click here to apply now
Jason Sheehan
Operations Manager
Licensed Loan Officer
NMLS #1548596
Cell: 585-331-2622
Office: 585-288-2930 ext 201
Email: [email protected]
Click here to apply now
Steve Bucciarelli
Digital Marketing Manager
Licensed Loan Officer
NLMS #2002586
Cell: 585-489-5800
Office: 585-288-2930
Email: [email protected]
Click here to apply now
Mark N. Cataldo
Sr. Loan Officer
Reverse Mortgage Expert
NMLS# 372091
Cell: 585-734-5803
Office: 585-288-2930 ext 103
[email protected]
Click here to apply now
Paulette Petix
Sr. Loan Officer
NMLS # 22919
Cell: 585-208-3036
Office: 585-288-2930
Fax: 585-446-0423
Email:
[email protected]
Click here to apply now
Who should work with a MORTGAGE BROKER?
Who SHOULD
- First-Time Homebuyers: Simplify your first purchase with expert guidance.
- Busy Professionals: Save time with a broker handling the mortgage hunt.
- Unique Financial Situations: If you’re self-employed or have an unconventional income, a broker can help find flexible lending solutions tailored to your situation.
- Rate Shoppers: Access competitive rates through a broad lender network.
- Real Estate Investors: Leverage insights on investment property loans.
Who SHOULD NOT
- DIY Enthusiasts: If you prefer managing your mortgage search independently.
- Bank Loyalists: Those committed to their bank’s mortgage offerings.
- Family Transactions: Buying directly from a family member with agreed terms.
- Specific Lender: If you have a preferred lender and aren’t exploring options.
- Retail Shoppers: Looking for a straightforward loan process with minimal fuss? Direct lending may be ideal for you.
What Our Clients Say...
Common MORTGAGE QUESTIONS
Stepping into the world of mortgages can seem daunting. Whether you’re a newcomer or revisiting, we’re here to guide you through every twist and turn. Dive into our frequently asked questions to begin your journey with confidence.
A mortgage broker is a licensed professional who works as an intermediary between borrowers and lenders, helping individuals secure the best possible mortgage loan based on their financial situation and property preferences.
A mortgage broker can save you time, effort, and potentially money. They have access to a wide variety of loan products and lenders, some of which you may not be aware of. They can negotiate on your behalf and help you navigate the complex mortgage application process, ensuring you secure the best terms and rates possible.
While a direct lender lends money directly to the borrower, a mortgage broker acts as a go-between for borrowers and multiple lenders. This means that a broker can present you with various loan options from different lenders, allowing you to compare and choose the best fit for your needs.
Mortgage brokers typically earn a commission, either from the lender or directly from the borrower, which is usually a percentage of the loan amount. This means that many brokers are motivated to help you secure a mortgage that meets your needs.
Absolutely! In fact, many first-time homebuyers find the expertise of a mortgage broker invaluable. Brokers can demystify the buying process, guide you through every step, and help you understand all the costs involved, ensuring you’re well-prepared for homeownership.
It’s a good idea to have recent pay stubs, bank statements, a credit report, and information about your current debts and assets. This will help the broker get a clear picture of your financial situation and assist in finding the best mortgage solution for you.
Mortgage brokers are bound by strict privacy and confidentiality regulations. They must safeguard your personal and financial information, ensuring it’s used solely for the purpose of securing a mortgage.
Yes. While having a good credit score can make the mortgage process smoother, many brokers have experience working with clients with varying credit histories. They can provide advice on improving your credit or help you find lenders more open to working with borrowers with less-than-perfect credit.
