All mortgages and mortgage lenders are not the same. Quintessential Mortgage Group will work with you to help you choose the right type of mortgage for your financial needs. Our goal is to help you buy your dream home easily and affordably.

Some popular mortgage options
we can help you with are:

Fixed rate loans, which are the most common loans, have a set principal and interest payment that never changes. Fixed rate mortgages can be 10, 15, and 30 years in length. You can pay off the loan at any time during without penalty. Fixed rate loans are a good choice for buyers who wanting to guarantee their mortgage payments will never change, as well as for buyers planning to stay in their homes for more than 5 years.

VA Loans are special federally guaranteed loans available to veterans, active service members, and surviving spouses. VA loans generally require no down payment and have no penalty mortgage insurance.

Jumbo loans are conventional mortgages financing larger amounts. Depending upon how much you need to finance in a mortgage, you might need a jumbo mortgage.

Adjustable rate mortgages or ARMs are loans whose interest rates can vary during the loan’s term. ARMs usually have a lower fixed interest rate for a set initial period but then can adjust based on market conditions. ARMs are often a good choice for buyers of more expensive homes since the initial period will have lower affordable payments. They are also good options for buyers planning to stay in their homes for a short period of time.

FHA loans are insured against default by the Federal Housing Authority (FHA). Available for purchasing single family and multi-family (up to 4 unit) homes, FHA loans have low minimum down payments, reasonable credit expectations and flexible income requirements. FHA loans are often a good choice for first time buyers who may not qualify for a conventional mortgage.

Portfolio loans, which are also called non QM loans, are other loans which are available to homebuyers and homeowners based on their need. Quintessential Mortgage can help you determine if one of these loans are the right option for you.

This is a single-close loan that starts as a construction loan where money is drawn as needed to pay building costs, then converts to a permanent mortgage upon the completion of the home.

Get PreQualified

Getting pre-qualified for a mortgage is a great way to understand the type of home you can buy. It also shows real estate agents and sellers you’re ready to make the deal.


I’m ready to Apply

You found the right home. Maybe your offer is accepted.
The next step is applying for the mortgage.
Let’s get started!


Call Us today! (914) 368-7122