Your Local Quintessential Mortgage Loan Officer

Nick Bonanno

Loan Officer
3 International Dr., Suite 205, Rye Brook, NY 10573
NMLS #2024202
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I’ll be with you every step of the way

Nick is a Loan Officer with Quintessential Mortgage Group who is committed to helping clients reach the closing table with confidence and clarity.

He focuses on clear communication and personalized service from the first conversation through final closing, taking the time to understand each client’s unique financial situation and goals. His approach is approachable, informative, and solution-driven so borrowers always feel supported throughout the process.

With access to both traditional and non-traditional lending options, Nick works with a wide range of clients, including first-time homebuyers, move-up buyers, investors, and self-employed borrowers. This flexibility allows him to create strategies that truly fit each client’s needs.

At his core, Nick values relationships built on trust, reliability, and consistency, staying with his clients every step of the way until they have their keys in hand.

Nick Bonanno's Testimonials

Working with Quintessential Mortgage Group made the entire home buying process far less stressful than I expected. My loan officer was knowledgeable, responsive, and always willing to explain things clearly. I felt supported from start to finish and would highly recommend them to anyone looking for a lender.
Mia Scarsdale, NY
The team at Quintessential Mortgage Group truly goes above and beyond for their clients. My loan officer communicated consistently, answered every question, and kept things moving smoothly. I couldn’t have asked for a better experience.
Alicia Somers, NY
From our first call to closing day, Quintessential Mortgage Group provided exceptional service. My loan officer took the time to understand my financial situation and find the best option for me. I felt confident and well cared for throughout the entire process.
Joe Rye Brook, NY
Choosing Quintessential Mortgage Group was one of the best decisions I made during my home purchase. My loan officer was professional, attentive, and always available when I needed them. I would absolutely work with them again in the future.
Alex White Plains, NY

Guides and resources

Homebuying Guide

Step-by-step process to getting the keys to your new home.

Mortgage Calculators

Step-by-step process to getting the keys to your new home.

Refinance Guide

Step-by-step process to getting the keys to your new home.

How much will my mortgage payment be?  

The Fed dropped its benchmark interest rate.

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Learn More

Buying Now Means Saving Later

What does this mean for you? Mortgage rates typically move in the same direction, although they aren’t tied directly to the Fed decision.

If you want to buy a home or refinance, understand your mortgage choices with a pre-approval. Getting ready now means you can move quickly when you find the perfect home or the rate that makes a refi work for you.

  • Get pre-approved for a purchase
  • Get pre-approved for a refinance
  • Calculate equity for a cash-out refi

Want to learn more about our expert take on lower rates?

Learn More

Inspiration for your home loan journey

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Your Mortgage Expert

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with Quintessential  Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. We want to make sure you receive a competitive rate, and a fast, simple experience. Why? Our goal is to be your m

Navigating the mortgage loan process is exciting – and easy – with the right home financing partner. When you work with Quintessential  Mortgage, you’ll collaborate closely with a licensed mortgage loan officer. 

Frequently asked questions

How Much Home Can I Afford?

Follow the 28/36 rule

Try to keep housing costs under 28% of your gross income and total debt under 36%. It’s not a hard rule, but it’s a solid guide when deciding your price range.

What Documents Do You Need to Get Preapproved for a Mortgage?

Buying a home should be exciting, and getting preapproved is just about clearly telling your financial story. When your documents are ready upfront, everything moves faster with fewer surprises and stronger offers. Having your income, assets, and credit info organized gives lenders a clear picture and saves you a ton of time and stress. The more prepared you are, the more confident you’ll feel when it’s time to make an offer.

What is a good credit score?

A good credit score typically starts at 620 for conventional loans, while FHA and VA loans may accept scores as low as 500, though higher scores offer better terms. A strong credit score can help you secure lower interest rates, saving you significant money over the life of a home loan.

What is real estate investing?

Real estate investing means buying property to earn income, either from rent, resale, or both.

What are the main ways people invest?

Long-term rentals
Buy and rent on yearly leases for steady monthly income and long-term value.

Short-term rentals
Vacation rentals like Airbnb that can earn more during busy seasons but fluctuate.

Fix and flip
Buy, renovate, and sell for profit. Faster money, but higher risk and costs.

House hacking
Live in one unit of a multi-family property and rent the others to cover your mortgage.

What loans do real estate investors use?

Conventional loans
Good for long-term rentals with 15–25% down and fixed or adjustable rates.

DSCR loans
Based on how much rent the property makes, not your income.

Fix-and-flip loans
Short-term loans for buying and renovating properties quickly.

Bridge loans
Temporary loans to buy before selling another property.