Coltrain Mortgage NMLS #10640
Steven Gerstein
Coltrain Mortgage

Steven Gerstein

Licensed Mortgage Originator

Mortgage Broker — Long Island Home Loan Specialist. Helping first-time buyers, move-up buyers, and real estate investors find the right mortgage with clear guidance and a smooth path to closing.

NMLS #55701

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NMLS #55701 · Coltrain Funding Group LLC, DBA Coltrain Mortgage (NMLS #10640)
My job is to make the mortgage process feel less overwhelming and a whole lot more manageable — whether you're buying your first home, moving up, refinancing, or expanding your real estate investment portfolio.

About Me

From fixed rate mortgages to innovative financing options, my extensive knowledge allows me to anticipate market trends, ensuring that you receive the most up-to-date advice. Whether you're a first-time buyer, upgrading to a larger home, or downsizing for retirement, I take the time to understand your unique circumstances. By analyzing your financial health, credit score, and long-term objectives, I tailor mortgage options that fit like a custom-made suit. Navigating the homebuying process or looking to take advantage of a strategic refinance, we find the best plan/program/payment that best the client's ultimate goals and objectives. "I have not worked a day in the mortgage business" as I love making a positive impact on people's lives. When you choose me as your mortgage planner, you're not just a client—you're a partner in this exciting journey. Let's build a partnership together!

What I Bring to the Table

Broker AdvantageI work with a wide network of wholesale lenders, allowing me to shop for competitive rates and loan options tailored to your situation.
Clear CommunicationYou'll always know where things stand. I keep borrowers and agents informed every step of the way.
Solutions for Every BuyerFrom low-down-payment programs for first-time buyers to smart financing strategies for seasoned investors.
Local Market KnowledgeUnderstanding the Long Island market helps structure financing strategies that compete.
Ready to Apply?

Start your mortgage application today and take the next step toward homeownership.