Welcome to the New York State Office

Statewide Mortgage Assistance is a mortgage broker specializing in mortgages, refinance, mortgages refinance, mortgage refinancing, debt consolidation, debt negotiation, second mortgages, steps to take out a second mortgages loan, advice on 2nd mortgages, 2nd mortgage negotiations, commercial mortgage broker services, and refinance home mortgage. Statewide is a leader among independent mortgage brokers.

Mortgages, Mortgage Brokers, and Refinance
A mortgage broker does not finance or refinance mortgages. For many people, buying a home means taking on the biggest financial obligation of their lives. It can be exciting - and scary. Few people have the cash to purchase a house outright. Usually, it's necessary to borrow money, either from a bank, a lender, a government program such as Fannie Mae or Freddie Mac, or some other lending institution.

Yet all of them have different rules, lending rates, and ways of calculating closing costs. It may be easier to refinance in New York than in Vermont or Connecticut. The application process itself can be intimidating, especially if you have poor credit, bad credit, or no credit history at all. Certain lenders may not even approve loans for credit-impaired borrowers.

So how do you find lenders who will?
Or what if you own a home and want to take advantage of lower interest (APR, or annual percentage rate)? Refinancing is an excellent way to lower monthly payments and consolidate credit card debt. But who will guide you in evaluating contract terms and deciding the best time to refinance or take out a second mortgage?

That is where the expertise of a professional mortgage broker can save you time and money.

Statewide Mortgage Assistance Company - Professional Mortgage Broker
As an independent commercial broker, we are in the business of helping clients find lenders and lending plans that serve their unique needs. Located in Saratoga Springs, NY, in the greater capital region, we are experienced in residential mortgage loans in the states of New York, Vermont, and Connecticut. But we also have access to a wide referral network of licensed brokers throughout all fifty states.

How can we help?
First and second mortgages, mortgage refinancing and negotiation, and consumer debt consolidation through 2nd mortgages are our specialty. The idea behind refinancing a home is to replace your current loan with one that has more favorable terms. Refinances can also replace fixed-rate loans with adjustable-rate mortgages (ARM).

When refinancing, you can borrow enough to pay off the mortgage balance you owe. If you have home equity built up, you might be able to borrow an additional amount through a "cash-out" refinancing to pay off other debts such as an auto loan or credit cards.

These are just some of the issues a broker can help you deal with when taking out a 1st or 2nd mortgage. For more information, just call Statewide at 1-800-530-9772.

Mortgage Calculator

45 Park Place
Saratoga Springs, NY 12866
Ph: (800) 530-9772
Fax: (518) 684-9333