Queens' local mortgage broker, from Astoria to the Rockaways.
Coltrain Mortgage helps Queens buyers navigate co-ops, condos, and multi-families with wholesale lender access and loan officers who understand NYC's mortgage and transfer taxes - not just Long Island's.
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A local loan officer replies directly - usually within one business day.
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What makes Queens different
Co-ops, condos & multi-families
Queens has the widest mix of property types in the area - we handle board packages, condo approvals, and 2-4 unit financing.
NYC mortgage & transfer taxes
As a NYC borough, Queens buyers face the NYC mortgage recording tax and, on higher-priced homes, the NY mansion tax - we help you budget for both upfront.
Bidding moves fast
Queens is one of the most competitive markets we serve - same-day pre-qualification helps you compete with cash offers.
Self-employed & ITIN buyers
Bank-statement and other alternative-documentation programs for Queens' many self-employed and small-business-owner buyers.
See how NYC's mortgage taxes factor into your Queens purchase.
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 Queens buyers.
VA Loans
$0 down programs and exclusive benefits for eligible Veterans and active-duty service members.
Co-op Financing
Lenders experienced with Queens co-op boards, reserve requirements, and approval packages.
Condo Financing
Financing for Queens' growing condo market, including new-development and warrantable condo approvals.
Non-QM Loans
Bank-statement and asset-based programs for buyers who don't fit a traditional W-2 profile.
Every neighborhood across Queens
From Astoria to the Rockaways - if it's in Queens, we cover it.
- Astoria
- Long Island City
- Sunnyside
- Woodside
- Jackson Heights
- Elmhurst
- Corona
- Flushing
- Murray Hill
- Bayside
- Douglaston
- Little Neck
- Whitestone
- College Point
- Forest Hills
- Rego Park
- Kew Gardens
- Richmond Hill
- Jamaica
- Hollis
- Queens Village
- St. Albans
- Springfield Gardens
- Rosedale
- Howard Beach
- Ozone Park
- South Ozone Park
- Maspeth
- Middle Village
- Glendale
- Ridgewood
- Fresh Meadows
- Bayswater
- Far Rockaway
- Rockaway Beach
- Broad Channel
Don't see your neighborhood? We cover every corner of Queens - 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 co-op/condo board packages, and keeps you updated at every step.
Close on your terms
Sign, get your keys, and move forward - with no surprises on NYC's extra mortgage taxes.
Queens closing costs look different from Long Island's.
Because Queens is a NYC borough, buyers here face costs that don't apply on Long Island: the NYC mortgage recording tax (on top of the standard New York State tax), and for homes at $1 million or more, the NY State “mansion tax.” Both factor into how much cash you need at closing - and we walk you through the real numbers for your specific price point before you make an offer, not after.
Queens mortgages, answered
Do you finance co-ops in Queens?+
Yes. Co-ops are common across Queens, especially in Forest Hills, Astoria, and Rego Park, and each building's board has its own approval package, reserve requirements, and debt-to-income rules. We work with lenders experienced in Queens co-op approvals so your board package gets handled correctly the first time.
What is the NYC Mortgage Recording Tax, and does it apply in Queens?+
Yes - as a NYC borough, Queens mortgages are subject to the New York City mortgage recording tax in addition to the standard New York State tax. The exact rate depends on your loan amount and property type. We calculate your real closing costs upfront so there are no surprises at the closing table.
How fast can I get pre-qualified in Queens' competitive market?+
Queens is one of the most competitive markets we serve. 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.
Do you offer loans for self-employed or ITIN buyers in Queens?+
Yes. Our Non-QM programs include bank-statement and asset-based options for self-employed buyers who don't fit a traditional W-2 profile, which is common among Queens' small-business-owner and immigrant homebuyer communities. Ask your loan officer which alternative-documentation program fits your situation.
Other areas and topics we cover
Ready to get pre-qualified in Queens?
No pressure, no obligation - just a clear answer from a local loan officer.