Top 3 Mortgage Lenders in Shelter Island Heights

As one of New York's largest credit unions with extensive presence across Long Island, Bethpage Federal Credit Union consistently ranks among the top mortgage lenders in the region. They offer highly competitive rates for Shelter Island Heights residents and specialize in waterfront and vacation home financing, which is particularly relevant for the Shelter Island market. Their mortgage advisors have deep knowledge of the local real estate landscape and provide personalized service with the benefits of credit union membership, including lower fees and member-focused pricing.

Teachers Federal Credit Union (now branded as NEFCU) has been serving Long Island communities for decades with exceptional mortgage services. They have specific expertise in financing properties in coastal and island communities like Shelter Island Heights, understanding the unique appraisal and insurance requirements. Their mortgage team provides comprehensive guidance through the entire lending process, with particularly strong ratings for customer service and communication. They offer competitive jumbo loan programs suitable for the higher-value properties common in the Shelter Island area.

Howard Hanna Mortgage Services has established itself as a premier mortgage lender specifically serving the East End of Long Island, including Shelter Island Heights. Their local expertise in vacation homes, waterfront properties, and the unique Shelter Island real estate market makes them exceptionally qualified. They offer personalized service with local underwriters and processors who understand the specific challenges of island property financing. Their strong relationships with local real estate professionals and deep knowledge of seasonal market fluctuations provide significant advantages for Shelter Island borrowers.