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735 Broadway · Newburgh, NY 12550
Phone: (845) 220-2080 · Fax: (845) 220-2082

Residential Mortgage Rates as of 02-17-06
Type
30 yr. fixed
15 yr. fixed		 Rate
6.500
6.125		 Points
.000
.000

Click here for loan calculator

A whole new way to get a mortgage. Working with someone who is already familiar with your financial position can make it much faster and easier to:

  • Determine the program that best meets your needs
  • Collect your financial documentation
  • Complete the application process
Our new affiliation with Vertical Lend has given us the ability to assist you with:
  • New Home Purchase Loans for all credit, income and property types.
  • Low-Cost Refinancing. Refinancing your mortgage can put hundreds of extra dollars in your pocket every month...and even allow you to pay off your loan years earlier!
  • Competitive Rates & closing costs.
  • A Mortgage Pre-Approval before you shop for a home - to make you a more desirable buyer.
  • Debt Consolidation loans for taxes, credit card bills, liens, college tuition, etc. As well as a wide variety of other personal and business loans!
We'll find you the lowest rates available because we deal with over 100 wholesale lenders under one roof! Complete the express application below for pre-qualification of your mortgage.

FHA/VA/SONYMA
First-Time Homebuyer's
100% Financing
Loans Over $2 Million 		No-Equity Loans (125% LTV's)
No Income / No Asset Verification Loans
95% No-Income Loans
Investor/Builders/Developers
Co-Op/Condo Experts



Work with a professional you already know and trust!

Buying a home or refinancing a mortgage is the most significant financial decision most people will ever make.

Now you no longer need to go to a stranger to meet your home financing needs. You can enjoy the comfort and security of working directly with us - professionals you already know and trust!

Let us assist you with a loan that meets your needs.

If you are interested in exploring the possibility of obtaining financing to buy a new home, improve your lifestyle, or grow your business, we can help!

If you would like more information about available lending services, please complete the following form, or visit our contact page, and we will get right back to you.


Express Application

Instructions:
Use this form to request mortgage information. Fields in red are required. When finished click on the send button.

General Information
Borrower Co-Borrower
(If different- Indicate N/A if no co-borrower)
Full Name:
Current Address:
City, State, Zip
County:
Home Phone:
Work Phone:
E-mail:
Social Security #:
Employers:
Position:
Self employed? Yes No YesNo
Length of Employment:
Adjusted Gross Monthly Income:
Date of Birth:
Credit History: excellent
good, but some lates
some credit problems
major credit problems
don't know
 excellent
good, but some lates
some credit problems
major credit problems
don't know


Loan Request
Amount Requested:
Type of loan:
Loan Term:
If purchase, down payment will be coming from: Gift       Savings/Checking
Stock    401K/IRA


Property Information
(This information needs to be filled out for property that is collateral for the loan)
Property Type:
Street Address:
City, State, Zip Code:
County:
Property will be used for: Primary Second/Vacation
Investment
Estimated Value/Purchase Price:
Yearly Taxes:
Yearly Homeowner's Insurance:
Monthly Co-op Maintenance Fees/Condo Homeowner's fees:
Will the taxes be included in the payment? Yes No (if No - must be lower than 80% LTV)


Refinance Only
Purpose of Refinance:
Year Purchased:
Original Price:


Do you want to roll in the closing costs? Yes No
Mortgage Balances
Amount: Rate: Term:
First:
Second:
Other:

Additional Information - Please Describe

By submitting this on-line application, the borrower authorizes Vertical Lend to check such things as credit, business and employment status and histories.
       



Spencers of Jamaica, Inc.
Loan Calculator

Enter your loan amount (without any commas or dollar sign), your monthly interest rate, how often you will make payments (monthly or bi-weekly), and the term of your loan in years. The Calculator will show you your approximate monthly payment and the total amount of interest you will pay over the course of your loan. Note: these figures are not exact due to rounding, but should give you a good idea of your payment and interest.
Loan Amount:
Interest Rate: %
Loan Length (Term): Years
Payment frequency:
Show Amortization table? Yes No
       

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