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New York VA Loans / New York FHA Loans

HCT Bank is the Number 1 Resource Online for New York VA Loans and New York FHA Loans.

With many financial institutions across the nation, and interest rates changing daily, it is difficult for the average borrower to locate the right New York VA or FHA lenders. When working with HCT Bank, we match the details in your application to our portfolios of New York VA and FHA lenders. Then we stay with you, until you have the loan SSD (Signed, Sealed and Delivered).á This is much less of a hassle then trying to shop the banks yourself. Let us do the work for you!!

HCT Bank specializes in the following types of New York mortgages:

FHA 203k loans / Title 1 loans

FHA arm loans /assumable loans

FHA construction loans

FHA government home loans / government loans

FHA home improvement loans

FHA home loans / house loans

FHA hud loans

FHA insured loans

FHA loans

FHA mortgage loans

FHA refinance loans

FHA streamline loans

VA assumable loans

VA construction loans

VA guaranteed loans

VA home improvement loans

VA home loans

VA house loans

VA jumbo loans

VA loans

VA mortgage loans

VA refinance loans

VA streamline loans

 HCT Bank is strategically aligned with Most Major Banks in New York as well as throughout the United States as well as a large number of New York mortgage lenders and mortgage lenders in other states. There are also non-bank "investor pools" that fund loans. Each lender has specific criteria for a "New York borrower profile." They all have money that they want to lend to somebody. You could be that somebody!!

You can shop around yourself. To be fair you would have to get all the loan quotes on the same day. In fact when the Stock market has a volatile session, rates can change during the day, so to compare "Apples with Apples", you would need to locate all the New York lenders who would be willing to lend you money within the 4 hour morning or 4 hour afternoon period. Only then would you be making a true comparison...and that comparison only lasts until the next overall rate change...which is often the next morning.

We take this almost impossible task and find you the four best-for-your-financial-profile New York lenders for your New York home financing. So let us do the find-a-mortgage search for you. We can locate:

1. New York Conventional Loans (80%)

2. New York FHA Guaranteed Loans (97%)

3. RHS (New York first time homebuyers loans 100%)

4. All New York non-conforming loans.

(Non-conforming means that borrower "ratios" do not conform to Fannie Mae guidelines.) This includes 100% non-conforming loans.

Most lenders also have New York mortgage loan programs for New York second home loans, for New York real estate investors, for New York refinance loans / New York home equity loans, for New York debt consolidation loans, and for foreign nationals wishing to purchase homes in New York.

To access our team of mortgage loan specialists, go to our Contact page and email us. We can then provide you with a mortgage evaluation that best fits your situation.

HCT Bank helps you get VA Loans & FHA Loans in New York City, Queens, Brooklyn, Bronx, Staten Island, Manhattan, Buffalo, Rochester, Yonkers, Syracuse, Albany, New Rochelle, Mount Vernon, Schenectady, Utica, White Plains, Niagara Falls, Hempstead, Troy, Binghamton, Freeport, Valley Stream, Long Beach, Rome, North Tonawanda, Jamestown, Elmira, Poughkeepsie, Ithaca, Newburgh, Auburn, Lindenhurst, Port Chester, Saratoga Springs, Glen Cove, Middletown, Watertown, Spring Valley, Harrison, Rockville Centre, Ossining, Kingston, Peekskill, Lockport, Garden City, Lynbrook, Mineola, Plattsburgh, Mamaroneck, Cortland, Lackawanna, Amsterdam, Oswego, Scarsdale, Massapequa Park, Depew, Kenmore, Floral Park, Batavia, Tonawanda, Johnson City, Cohoes, Gloversville, Rye, Olean, Kiryas Joel, Westbury, Glens Falls, Beacon, Geneva, Oneonta, Endicott, Dunkirk, Babylon, Ogdensburg, Patchogue, Fulton, Tarrytown, Canandaigua, Suffern, Massena, Lancaster, Dobbs Ferry, Oneida, Corning, Fredonia, Lake Grove, East Rockaway, West Haverstraw, Haverstraw, Watervliet, Mount Kisco, and Long Island.

Please click on the Banner Below for a rate quote form a licensed lender or mortgage broker in your area.

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