A Hauppauge mortgage broker who actually answers the phone.
Coltrain Mortgage is headquartered right in Hauppauge, at the center of Suffolk County - not a call center, not an app. A local team that compares wholesale lenders on your behalf instead of pitching one bank's rate sheet.
- 20+ years serving Long Island
- 900+ Google reviews
- Access to multiple wholesale lenders, not just one bank
Talk to a Local Loan Officer
No obligation - based right here in Hauppauge.
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No cost, no obligation. A member of our team will follow up directly.
Why work with a Hauppauge-based broker
A mortgage broker isn't tied to one bank's products - Coltrain compares offers across a network of wholesale lenders to find the fit for your situation, then manages the process from application through closing. Being based in Hauppauge means we know the local market, the local appraisers, and the local closing attorneys.
More Loan Options
Access to multiple wholesale lenders means more programs and more competitive pricing than a single bank can offer.
Local Market Knowledge
Suffolk and Nassau County real estate, taxes, and closing processes, understood firsthand - not read off a script.
One Point of Contact
Personalized support from application through closing, with a real person who picks up the phone.
Every stage, every program
First-Time & Repeat Buyers
Conventional, FHA, and VA financing for every stage of home buying.
Rate, Term & Cash-Out
Lower your payment, shorten your term, or pull cash out - see refinance options.
HELOCs & Home Equity Loans
Tap into your equity with a HELOC or fixed-rate home equity loan.
Not sure where to start?
Working with Coltrain, answered
What's the difference between a mortgage broker and a bank?+
A bank can only offer its own loan products. A broker like Coltrain compares offers across multiple wholesale lenders to find better pricing or a program fit that a single bank might not have. See our full comparison.
Do I need to visit the Hauppauge office in person?+
No - most of the process can be handled remotely, but the office is there if you'd rather meet in person.
What areas does Coltrain serve?+
Primarily Long Island - Suffolk County and Nassau County - along with the rest of New York, New Jersey, Florida, and Pennsylvania depending on the loan officer.
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Let's talk about your mortgage.
A quick conversation with a local loan officer beats guessing from a rate table.