Looking for a mortgage broker near you on Long Island?
Coltrain Mortgage has spent over 20 years helping Suffolk and Nassau County families find the right home loan - with local loan officers, wholesale lender access, and none of the one-size-fits-all approach of a bank.
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A local loan officer replies directly - usually within one business day.
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A Coltrain loan officer will personally reach out shortly. Have a question right now? Call (631) 851-4420.
Why working with a local mortgage broker matters
Property taxes vary by town
Suffolk and Nassau tax rates swing widely town to town - and directly affect your monthly payment and approval.
Multiple lenders, not one bank
A broker shops your loan across wholesale lenders. A bank can only offer you its own products.
Every scenario is different
First-time buyer, investor, self-employed, or refinancing - we tailor financing instead of forcing one template.
A real person, not a call center
Long Island transactions involve a lot of moving parts - you get a local loan officer who actually answers.
Not sure a broker is right for you? See how we compare to a bank.
Wherever you are in the process, we've got you
First-Time Buyers
Low down payment options and guidance through every step, from pre-qualification to closing.
Moving Up or Downsizing
We coordinate timing between your sale and purchase so you're never caught without financing.
Real Estate Investors
Investment property loans and DSCR/Non-QM options for buyers who don't fit a traditional W-2 profile.
Refinancing Homeowners
Lower your rate, remove PMI, or tap your equity through cash-out refinance or HELOC.
Local, across Suffolk and Nassau County
A sample of the towns we serve most often - but if it's on Long Island, we cover it.
- Hauppauge
- Smithtown
- Stony Brook
- Setauket
- Port Jefferson
- Commack
- Huntington
- Kings Park
- Ronkonkoma
- Islip
- Babylon
- Patchogue
- Garden City
- Mineola
- Hicksville
- Plainview
- Syosset
- Levittown
- Massapequa
- Merrick
- Wantagh
- Great Neck
- Rockville Centre
- Long Beach
Looking for the full list? See every Suffolk County or Nassau County town we cover.
From application to closing
Get pre-qualified
A quick conversation tells you what you qualify for before you start touring homes.
Find your home
Shop with confidence - and a same-day pre-qualification letter to back up your offer.
We handle underwriting
Your loan officer manages documentation and keeps you updated at every step.
Close on your terms
Sign, get your keys, and move forward - as fast as 21 days for straightforward files.
One bank's rate, or every wholesale lender's rate?
A bank can only offer you its own products, at its own rate. A mortgage broker works with multiple wholesale lenders and shops your loan across all of them - so you see more options, not just one institution's answer. That's the whole reason Coltrain Mortgage exists as a broker instead of a bank.
Mortgage broker questions, answered
What does a mortgage broker do?+
A mortgage broker shops your loan across multiple wholesale lenders to find the best rate and terms for your specific situation, rather than offering only one bank's own products. We handle the comparison, the paperwork, and the communication between you, the lender, and everyone else involved in your transaction.
Why use a broker instead of a bank?+
A bank can only offer its own loan products at its own rate. A broker compares offers across many wholesale lenders, which often means better pricing and more flexible qualification options - especially for buyers who don't fit a standard profile.
How do I get pre-qualified?+
A quick conversation with a Coltrain loan officer - usually the same day - is enough to get you a pre-qualification letter showing what you qualify for, so you can shop with confidence and make competitive offers.
Can brokers help with investment properties?+
Yes. We offer investment property loans including DSCR and other Non-QM programs for buyers who qualify based on the property's rental income rather than personal W-2 income.
Can brokers assist with refinancing or home equity?+
Yes - we handle rate-and-term refinances, cash-out refinances, and HELOC/home equity loans for current Long Island homeowners looking to lower their payment, remove PMI, or access their equity.
Other areas and topics we cover
Ready to talk to a local loan officer?
No pressure, no obligation - just a clear answer, close to home.