A New York mortgage broker serving every corner of the state.
Coltrain Mortgage proudly serves homeowners across New York State - from Long Island and NYC to Westchester, Rockland, and Upstate - with wholesale mortgage rates, fast approvals, and 20+ years of experience.
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A local loan officer replies directly - usually within one business day.
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Why New Yorkers choose Coltrain, wherever they're buying
Licensed in 4 states
Registered in New York, New Jersey, Pennsylvania, and Florida - one broker who can follow you across state lines.
Every property type
Condos, co-ops, multi-family, and investment properties - not just single-family homes.
Wholesale rates statewide
We shop multiple lenders no matter which region of New York you're buying in.
Same-day communication
Fast pre-qualifications and a loan officer who actually answers, not a call center.
Buying somewhere specific? See if we have a dedicated local page.
Every loan program, shopped against wholesale rates
Conventional 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 New York buyers.
VA Loans
$0 down programs and exclusive benefits for eligible Veterans and active-duty service members.
USDA Loans
Rural development loans for eligible areas of Upstate and rural New York.
Jumbo Loans
Larger loan amounts for high-value properties beyond conforming loan limits.
Refinancing
Lower your rate, remove PMI, or pull cash out through a refinance.
Every region across New York State
From Long Island to Upstate - wherever you're buying in New York, we're licensed to help.
- Long Island (Nassau & Suffolk)
- Queens
- Brooklyn
- The Bronx
- Manhattan (select programs)
- Staten Island
- Westchester
- Rockland
- Upstate New York
Buying on Long Island specifically? See our dedicated Suffolk County or Nassau County pages.
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 - wherever in New York you're closing.
One broker, licensed everywhere you might buy.
Coltrain Mortgage is a Registered Mortgage Broker with the NYS Department of Financial Services (NMLS #10640), and also licensed in New Jersey, Pennsylvania, and Florida. If your search spans state lines - or you're relocating out of New York - you don't need to start over with a new broker.
New York mortgages, answered
Do you only work with Long Island buyers?+
No - while Coltrain Mortgage is based in Hauppauge, we're licensed to serve homebuyers across all of New York State, plus New Jersey, Pennsylvania, and Florida. Long Island is where we started, not where we stop.
Do you offer USDA loans in New York?+
Yes, for eligible rural areas of Upstate and rural New York. USDA eligibility is based on property location, so ask your loan officer to confirm whether a specific address qualifies.
Can you help buyers in NYC boroughs like Brooklyn or the Bronx?+
Yes. We serve Queens, Brooklyn, the Bronx, Staten Island, and select programs in Manhattan, in addition to Long Island, Westchester, Rockland, and Upstate New York.
How fast can I get pre-qualified?+
Most buyers get a pre-qualification letter the same day after a quick conversation with a Coltrain loan officer, so you can shop with confidence no matter where in New York you're looking.
Local pages for specific areas
Ready to get pre-qualified anywhere in New York?
No pressure, no obligation - just a clear answer from a local loan officer.