Business Details
30 Years
experience
Your Trusted Mortgage Broker in New York State
Founded in 1996, Valley Mortgage has established itself as a trusted mortgage broker serving the Hudson Valley and Metropolitan New York areas. Our team of experienced mortgage consultants prioritizes personalized service, offering a comprehensive range of loan products through partnerships with local, regional, and national lenders. As a registered mortgage broker with the New York State Department of Financial Services, we specialize in FHA loans, RHS Guaranteed Loans, conventional financing, and specialized programs for unique real estate needs.Our approach focuses on listening to clients' financial goals, leveraging cutting-edge technology for real-time market insights, and maintaining deep community ties through active participation in local business associations. With decades of combined experience, we provide transparent guidance through every stage of the mortgage process, from initial consultation to closing, ensuring clients receive tailored solutions that meet their specific needs.
Services
Conventional Loans
FHA Loans
RHS Guaranteed Loans
Construction Loans
Commercial Financing
Rehab Loans
Variable Rate Mortgages
First-Time Homebuyer Programs
Details
- Year established: 1996
Highlights and features
- We offer 27+ years of mortgage industry experience since 1996
- Our consultants provide personalized loan product comparisons and market insights
- We maintain partnerships with multiple lending institutions for diverse options
- Our team holds professional designations from state and federal agencies
- We combine local market knowledge with advanced mortgage technology
Associations and certifications
- New York State Department of Financial Services
Services
Conventional Loans
We offer conventional fixed and variable rate mortgages with terms from 10 to 30 years. These loans suit borrowers seeking competitive rates with financing up to 97% for qualified first-time homebuyers. Our consultants help clients choose between conforming and jumbo loan options based on their financial profile and property needs.
FHA Loans
Our FHA-insured loan program assists borrowers needing maximum financing for median-priced homes. This option works well for qualified applicants with lower down payment capabilities while maintaining HUD standards. We guide clients through the specific requirements for these government-backed mortgage solutions.
RHS Guaranteed Loans
We facilitate 100% financing options through RHS Guaranteed Loan programs. These loans benefit borrowers meeting income requirements who need full coverage for purchase price, closing costs, and prepaids. Our team specializes in helping eligible applicants qualify for these specialized rural development mortgage products.
Construction Loans
Our construction loan program provides financing for custom home building projects. We connect borrowers with third-party lenders offering funds for land acquisition and construction phases. This service includes guidance on documentation requirements and timeline considerations for building dream homes from the ground up.
Commercial Financing
We offer commercial financing solutions for properties with mixed-use or dedicated business purposes. Our consultants analyze each case to determine appropriate financing structures, working with lenders who specialize in commercial real estate transactions while explaining the unique criteria for these complex mortgage products.
People
Seth Rapport
Owner / Mortgage Loan Originator
Seth Rapport brings extensive mortgage industry experience to Valley Mortgage. As owner and loan originator, he specializes in connecting clients with appropriate financing solutions while maintaining a strong focus on ethical lending practices and customer education.
Jamie Burton Colon
Mortgage Loan Originator
Jamie Burton Colon serves as a dedicated mortgage loan originator at Valley Mortgage. With deep knowledge of mortgage products and lending requirements, she provides personalized guidance to help clients navigate the complex mortgage process effectively.
Questions
What mortgage loan options do you offer?
We offer conventional fixed/variable rate loans, FHA-insured mortgages, RHS Guaranteed Loans, construction financing, rehab loans, and commercial property mortgages through our network of third-party lenders.
How does your mortgage process work?
Our process begins with understanding your financial situation, followed by loan product education, application assistance, and guidance through underwriting and closing procedures with real-time market updates.
What credit score do I need for a mortgage?
Most lenders require minimum scores in the low to mid-600s. We explain how payment history, debt levels, and credit age impact your mortgage eligibility during our initial consultation.
What are closing costs?
Closing costs include appraisal fees, credit reports, title insurance, mortgage taxes, and attorney fees. We provide detailed loan estimates outlining all cash requirements upfront.
Can I lock in my interest rate?
Yes, we help you lock rates at appropriate times based on market conditions and your closing timeline, with clear explanations about rate lock periods and potential extensions.