Business Details
Your Trusted Mortgage Partner in Rochester, NY
At Moneyline New York, we treat each customer as an individual, not a number. Our approach combines common sense with personalized service to help clients obtain the best loan possible. We represent a wide range of A-rated lenders, from traditional banks to specialized hardship lenders, and work with over 100 investors to secure competitive rates. Our expertise spans 30-year mortgages, jumbo loans, VA programs, and commercial financing, accommodating diverse needs from full documentation to no-documentation scenarios. With local market knowledge and a hybrid model of cutting-edge technology and traditional customer service, we streamline the loan process while maintaining transparency. Our team guides clients from initial consultation through closing, offering secure mobile tools and in-person support.We specialize in first-time homebuyer assistance, refinancing options to eliminate PMI, and cash-out refinancing. Our 25+ lender network and 400,000+ funded loans demonstrate our commitment to finding tailored solutions. We operate in Rochester, Buffalo, New York City, and surrounding regions, prioritizing community relationships over automated systems. Our 4.9-star certified reviews reflect our dedication to fast processing, even for complex cases, and our 10-day average funding timeline underscores our efficiency. We believe in empowering clients with educational resources, including mortgage calculators and term explanations, to make informed decisions.
Services
Fixed Rate Mortgage
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Refinance
Highlights and features
- We offer personalized loan solutions tailored to individual financial situations.
- Our 25+ lender network provides access to 100s of competitive loan programs.
- We combine cutting-edge technology with traditional customer service methods.
- Our team has local expertise in New York's real estate markets.
- We process loans in as little as 10 days with flexible documentation options.
Associations and certifications
- NMLS Consumer Access
- Registered Mortgage Broker NYS Dept. of Financial Services
What people say
Best rates
Fast processing
Excellent service
Knowledgeable team
Easy application
Services
Fixed Rate Mortgage
Our fixed-rate mortgages provide consistent monthly payments with locked-in interest rates for loan terms ranging from 10 to 30 years. This service suits borrowers seeking long-term financial predictability and protection against market fluctuations. We offer competitive rates for conventional, jumbo, and investment property loans.
FHA Home Loan
FHA-insured loans require lower down payments and credit scores starting at 600, making homeownership accessible to first-time buyers. We guide clients through the qualification process and connect them with approved lenders offering favorable terms for primary residences.
VA Home Loan
We specialize in VA-guaranteed loans for eligible military members and veterans, featuring zero down payment options and competitive rates. Our team handles the unique documentation requirements to streamline the process for service members.
Jumbo Home Loan
For high-value properties exceeding conventional loan limits, we offer jumbo mortgages with flexible underwriting standards. Our lenders provide tailored solutions for luxury homes and investment properties across New York's premium real estate markets.
Refinance
Our refinance options help homeowners secure better rates, eliminate PMI, or access equity through cash-out refinancing. We analyze current loan terms and market conditions to determine optimal timing for rate-and-term adjustments.
Questions
What mortgage options do you offer?
We offer fixed-rate, FHA, VA, jumbo, and commercial mortgages, plus refinance options including cash-out and PMI elimination programs.
How quickly can you process a loan?
Our average funding time is 10 days, with expedited processing available for qualified applicants using our hybrid technology system.
Do you work with first-time homebuyers?
Yes, we specialize in first-time buyer programs with low down payment options and credit score flexibility starting at 600.
What areas do you serve?
We operate throughout New York State, including Rochester, Buffalo, New York City, Long Island, and the Hudson Valley regions.
Can you help with bad credit mortgages?
We work with lenders offering programs for credit scores as low as 600 and can connect clients with hardship lenders when needed.
How do I start the application process?
Begin with our online pre-approval tool or contact us directly for personalized guidance through our secure mobile document system.
