Business Details
Your Trusted Mortgage Broker in Bay Shore, NY
Artisan Mortgage is a premier mortgage brokerage firm serving New York and Pennsylvania, dedicated to connecting clients with tailored home financing solutions. With over two decades of industry experience, we maintain relationships with leading lenders and offer access to hundreds of mortgage programs at competitive rates. Our commitment to ethical practices and personalized service ensures clients receive transparent guidance from prequalification through rate locking. Headquartered in Bay Shore, NY, and operating a Pennsylvania branch in Hershey, we specialize in conventional loans, FHA/VA programs, refinancing, and non-traditional mortgage options.Our team of certified professionals, including President Jim Barry (CMC), prioritizes client needs through a streamlined process, wholesale pricing, and a 20-year track record of BBB A+ ratings and industry accolades. We serve diverse financial situations, including first-time buyers, self-employed individuals, and those with credit challenges, while maintaining licensing through New York and Pennsylvania regulatory bodies.
Services
Home Purchase Loans
Refinance Solutions
FHA Loans
VA Loans
Bad Credit Home Loans
Non-QM Loans
Reverse Mortgages
FHA 203k Renovation
Jumbo Loans
Government Mortgages
Highlights and features
- 20+ years of mortgage industry expertise with certified professionals
- A+ BBB rating and multiple industry integrity designations
- Personalized service with dedicated loan officer communication
- Access to 100+ mortgage programs from national lending partners
- Specialized solutions for non-traditional income verification cases
Associations and certifications
- Better Business Bureau (BBB)
- National Association of Mortgage Brokers (NAMB)
- New York Association of Mortgage Brokers (NYAMB)
- Association of Independent Mortgage Experts (AIME)
What people say
Professional and responsive team
Simplified complex mortgage process
Competitive rates and terms
Exceptional post-closing support
Knowledgeable loan officers
Services
Home Purchase Loans
Tailored financing solutions for first-time and repeat homebuyers across NY and PA. Our conventional and government-backed programs offer down payment options from 0% (VA) to 3% (FHA) with flexible credit requirements. Experienced loan officers guide clients through property selection to closing, specializing in Long Island and Pennsylvania markets.
Refinance Solutions
Comprehensive refinancing options to reduce monthly payments, shorten loan terms, or access home equity. Services include rate-and-term refinancing, cash-out options, and streamline programs for existing VA/FHA loans. Our team analyzes current mortgage terms to identify savings opportunities up to 20% in interest costs.
FHA Loans
Federal Housing Administration insured mortgages requiring 3.5% down with lenient credit standards. Ideal for first-time buyers or those with limited credit history, these loans feature competitive rates and allow gift funds for down payment. We specialize in standard FHA 203(b) loans and 203(k) renovation programs.
Non-QM Loans
Non-qualified mortgage products for self-employed individuals and unique income scenarios. These bank statement loans, asset depletion programs, and portfolio loans bypass traditional documentation requirements while maintaining responsible lending standards. Available for primary residences, investment properties, and second homes.
Reverse Mortgages
HECM-insured reverse mortgages for homeowners aged 62+. Convert home equity into tax-free income without monthly payments. Funds can supplement retirement income, cover healthcare costs, or eliminate existing mortgage obligations. Our counselors explain program requirements and lifetime tenure payment options.
People
Jim Barry
President/CEO
Certified Mortgage Consultant with 20+ years in mortgage banking and real estate investment. Leads Artisan Mortgage's strategic direction while maintaining hands-on client involvement. Holds NAMB's Lending Integrity Designation and serves on multiple mortgage association boards.
Dion Goolman
Senior Vice President
Pennsylvania branch manager with expertise in state-specific mortgage programs. Specializes in helping first-time buyers navigate Pennsylvania Housing Finance Agency (PHFA) loans and down payment assistance programs while maintaining compliance with state lending regulations.
Debra A. Chiappetta
Senior Mortgage Consultant
Licensed New York mortgage professional with focus on Long Island real estate market. Assists clients with jumbo loans, co-op financing, and complex property transactions. Maintains annual continuing education certifications through New York State Department of Financial Services.
Nathaniel Pratt
Senior Loan Originator
20-year residential lending veteran specializing in credit rehabilitation mortgages. Helps clients rebuild post-bankruptcy or foreclosure through specialized loan programs. Provides financial counseling to improve credit profiles before mortgage applications.
Randi Hodella
Mortgage Loan Originator
Experienced in all mortgage transaction types from first-time purchases to luxury property acquisitions. Focuses on educating clients about loan terms and market conditions. Maintains active participation in New York mortgage broker training seminars.
Questions
What mortgage programs do you offer for first-time homebuyers?
We provide FHA loans with 3.5% down, USDA rural development loans with zero down payment, and conventional 97% LTV programs. Our counselors explain each option's benefits and eligibility requirements.
Can you help clients with non-traditional income verification?
Yes, our Non-QM loan programs accept bank statements, asset depletion models, and alternative documentation for self-employed borrowers and those with commission-based income structures.
Do you offer reverse mortgage counseling?
We provide HECM counseling and financial analysis to determine if reverse mortgages suit clients' retirement plans, including explaining associated fees and long-term implications.
What areas do you service?
We operate throughout New York (including Long Island, Westchester, and Upstate) and Pennsylvania (Philadelphia metro, Pittsburgh, and Harrisburg areas) with local office support.
How does your pre-approval process work?
Our pre-approval requires income documentation, credit authorization, and asset verification. We issue a formal letter within 24 hours detailing loan amount, rate, and estimated closing costs.
What sets Artisan Mortgage apart from other brokers?
We combine 20+ years of local market expertise with access to 100+ loan products, maintaining direct lender relationships to negotiate better terms while providing personalized service.