The Best Mortgage Lenders in Hartsdale, NY
Compare verified mortgage lenders serving Hartsdale, New York. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Hartsdale
Featured Mortgage Lenders
Joseph D'Agostino
CrossCountry Mortgage, LLC
CrossCountry Mortgage's Scarsdale branch, led by experienced loan officer Joseph D'Agostino, is highly rated for serving the Hartsdale area with personalized mortgage solutions. With over 15 years of experience, they offer competitive rates and exceptional customer service, specializing in both purchase and refinance loans. Their local expertise in Westchester County real estate markets and commitment to guiding clients through the entire mortgage process makes them a top choice for Hartsdale homebuyers.
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New York Community Bank (Flagstar Bank)
As one of the most established community banks serving Westchester County, New York Community Bank (now part of Flagstar Bank) has deep roots in the Hartsdale area. With their local Greenburgh branch just minutes from Hartsdale, they offer comprehensive mortgage products with the personalized service of a community bank combined with the resources of a larger institution. Their long-standing presence and understanding of local market conditions make them a trusted choice for Hartsdale residents.
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Michael G. Chiapparelli
Mortgage Master of Westchester
Mortgage Master of Westchester, located in nearby White Plains, specializes in serving the entire Westchester County area including Hartsdale. Under Michael Chiapparelli's leadership, this boutique mortgage firm has built an outstanding reputation for providing competitive rates and exceptional personalized service. Their deep knowledge of the local real estate market and commitment to finding the right mortgage solution for each client's unique situation has earned them consistently high ratings and loyal customer referrals throughout the region.
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Frequently Asked Questions
Common questions about mortgage lending in Hartsdale, NY
Are there any special mortgage programs for first-time homebuyers in Hartsdale, NY?
Yes, Hartsdale homebuyers can access New York State programs like the SONYMA Achieving the Dream loan, which offers competitive rates and down payment assistance. Additionally, Westchester County offers the Homes for Heroes program for eligible professionals, which can provide closing cost assistance. It's crucial to work with a lender familiar with these state and county-specific offerings.
How do Hartsdale's property taxes impact my mortgage qualification and monthly payment?
Hartsdale, located in the Town of Greenburgh, has notably high property taxes, which are a significant component of your monthly escrow payment. Lenders will factor this into your debt-to-income ratio, potentially lowering the loan amount you qualify for compared to areas with lower taxes. It's essential to get a precise tax estimate for any property you're considering.
What is the typical down payment needed for a condo or co-op in Hartsdale?
For Hartsdale's popular condominiums, a minimum of 10% down is common, though 20% is often required for the best rates and to avoid private mortgage insurance (PMI). For co-ops, which are also prevalent, requirements can be stricter, with many buildings mandating 20-30% down and having their own board approval process that includes financial scrutiny.
How competitive is the mortgage pre-approval process in Hartsdale's housing market?
Extremely competitive. Given Hartsdale's desirable location and limited inventory, a strong pre-approval from a reputable, local lender is often a minimum requirement for sellers to consider an offer. A pre-approval letter that specifically references Westchester County and demonstrates strong financials can make your offer stand out in a multiple-bid situation.
Are jumbo loans common in Hartsdale, and what are the requirements?
Yes, jumbo loans are very common due to Hartsdale's high home prices, which frequently exceed the conforming loan limits ($1,149,825 for Westchester County in 2024). Requirements are stricter, typically requiring excellent credit (often 740+), a down payment of 20-30%, and significant cash reserves (sometimes 12+ months of mortgage payments) post-closing.
Nearby Cities
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Why Choose a Mortgage Lender in Hartsdale?
Local Market Knowledge
Lenders who understand Hartsdale's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in New York.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Hartsdale and get competitive rates on your home loan.