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Dear Friends:

Let me take this time to advise you that the mortgage rate have been excellent. If you are considering purchasing, thinking of refinancing or buying an investment property I can provide you with very competitive rates.

around 3.75% fixed for 15 years
around 4.125% fixed for 30 years

On refinance - we can close in 2-3 weeks.
On purchases - we can close in 4-6 weeks.

To make the process faster please have the following:

  • 2 recent paystubs from all jobs
  • 2 months of bank statements –all pages
  • Current mortgage statement(s)
  • Home owners insurance policy
  • Last 2 years of tax return and W2
  • 401K or other retirement statements
  • Copy of social security card and driver’s license
  • If self-employed – business banks statements and income and expenreport

Rates may vary slightly based on house value, amount of loan, credit scores, income/expense ratio, points paid, combining other loans and/or closing costs, and/or outstanding debts. Investment home may require up to 30% down payment.

Please call me at 718) 698-2370 to discuss mortgage or tax matters.


Shibu P. Thomas, MBA, MS
Accountant and Mortgage Consultant

We provide servies to the following places: Staten Island, Queens, Jamaica, Astoria, Brooklyn, Manhattan, Long Island, Floral Park, New Hyde Park, Lake Success, Bellerose, Queens Village, Great Neck, Manhasset Hills, Roselyn, Roselyn Heights, Nassau County, Suffolk County.

For more information visit


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