Nassau County's local mortgage broker, from Great Neck to Long Beach.
Coltrain Mortgage has helped thousands of Nassau County families secure the right home loan for over 20 years - with wholesale lender access and loan officers who understand Nassau's property taxes, school districts, and co-op rules.
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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.
What makes Nassau County different
Property taxes run high
Nassau has some of the highest property taxes in the country, and an active reassessment cycle - we factor your real number in early.
School districts shape price
Nassau's hyper-local school district boundaries can swing home values block to block - and affect your approval math.
Co-ops need the right lender
Great Neck, Port Washington, and Long Beach all have significant co-op inventory with their own lending rules.
Homes move fast
Close to NYC and in high demand - same-day pre-qualification helps you compete with cash offers.
See what your Nassau assessment means for your approval.
Every loan program, shopped against wholesale rates
Conventional Home Loans
Competitive rates and flexible terms, with as little as 3% down for qualified buyers.
FHA Loans
3.5% down and more flexible credit qualifying - a common path for first-time Nassau County buyers.
VA Loans
$0 down programs and exclusive benefits for eligible Veterans and active-duty service members.
Co-op Financing
Lenders experienced with Nassau's co-op boards, reserve requirements, and approval process.
Jumbo Loans
Larger loan amounts for high-value Nassau County properties beyond conforming limits.
Home Equity & HELOC
Finance renovations, repairs, or debt consolidation using the equity you've already built.
Every community across Nassau County
From the North Shore to the South Shore - if it's in Nassau County, we cover it.
- Hempstead
- Garden City
- Rockville Centre
- Freeport
- Baldwin
- Valley Stream
- Lynbrook
- Franklin Square
- Elmont
- New Hyde Park
- Mineola
- Westbury
- Hicksville
- Levittown
- Bethpage
- Farmingdale
- Massapequa
- Massapequa Park
- Wantagh
- Seaford
- Merrick
- Bellmore
- North Bellmore
- East Meadow
- Uniondale
- Oceanside
- Island Park
- Long Beach
- Lido Beach
- Great Neck
- Manhasset
- Port Washington
- Roslyn
- Albertson
- Williston Park
- Glen Cove
- Sea Cliff
- Locust Valley
- Glen Head
- Oyster Bay
- Syosset
- Woodbury
- Jericho
- Plainview
- Old Westbury
- Cedarhurst
- Lawrence
- Woodmere
Don't see your town? We cover every community across Nassau County - call us and we'll confirm right away.
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 - with no surprises on tax or assessment costs.
A reassessment notice isn't automatically bad news.
Nassau County's ongoing reassessment cycle means your property tax bill can shift meaningfully from year to year - and thousands of homeowners file grievances annually to challenge their assessed value. Whatever your number looks like, it factors directly into your debt-to-income ratio (DTI) and therefore your mortgage pre-qualification amount. We calculate your real, current tax number before you make an offer, so the figure on your pre-qualification letter is one you can actually count on.
Nassau County mortgages, answered
How does Nassau's property tax reassessment affect my mortgage approval?+
Nassau County reassesses property values on an ongoing cycle, and many homeowners file grievances to challenge their assessment. Since your tax bill factors directly into your debt-to-income ratio, we pull your current, real tax number before pre-qualification instead of relying on an outdated figure - so what you're approved for doesn't shift later.
Are Nassau County co-ops harder to finance?+
Yes - co-ops in areas like Great Neck, Port Washington, and Long Beach have specific board approval processes, reserve requirements, and owner-occupancy rules. We work with lenders experienced in Nassau's co-op market, so approval doesn't stall on paperwork most brokers haven't seen before.
How fast can I get pre-qualified in Nassau's competitive market?+
Nassau homes close to NYC often receive offers within days of listing. Coltrain Mortgage provides same-day pre-qualifications and priority underwriting so you can compete with cash offers and move quickly - and for buyers who want an edge, we also offer fully underwritten pre-qualifications, which carry more weight with sellers than a standard pre-qualification letter.
What first-time homebuyer programs are available in Nassau County?+
Nassau County first-time buyers may qualify for FHA loans (3.5% down), Conventional 3%-down first-time buyer programs, VA loans for eligible Veterans, and local down-payment grants that vary by municipality. We help you compare every option so you land on the lowest realistic payment for your Nassau County home.
Other areas and programs we cover
Ready to get pre-qualified in Nassau County?
No pressure, no obligation - just a clear answer from a local loan officer.