Flexible Financing Solutions For Any Situation.

At NYFTY Lending, we know one size doesn’t fit all. That’s why we offer a wide variety of mortgages to suit different needs. Whether you’re an experienced investor or are just starting your journey towards homeownership, we have a loan program for you.

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Let NYFTY Lending simplify the process of taking out a mortgage with custom-tailored loan solutions that fit like a glove.

Purchase Loans

Fixed-Rate Mortgage

Best for predictable payments Fixed-rate mortgages offer a stable interest rate and steady payments for the life of the loan. This makes budgeting easier and protects borrowers from future market rate increases More

Adjustable-Rate Mortgages (ARM)

Best for resellers Adjustable-rate mortgages start with a fixed interest rate that will eventually change after a 5 to 10 year period. These are ideal for borrowers who plan to refinance or sell. More

Conventional Loans

Best for good credit scores Conventional home loans have stricter eligibility criteria than other programs, but can also offer competitive interest rates and favorable terms to qualified borrowers. More

Jumbo Loans

Best for high-value homes Jumbo loans are used to purchase high-value properties that exceed federal loan limits. However, they have stricter underwriting standards compared to conventional home loans. More

VA Loans

Best for U.S. Veterans VA loans offer special benefits like no down payment and competitive interest rates to military Veterans, active-duty service members, and eligible surviving spouses. More

Non-QM Mortgages

Best for entrepreneurs Unlike conventional and government-backed loans, non-QM mortgages don't require third-party income verification. This is ideal for borrowers with self-employment income and other non-traditional revenue. More

Condo Loans

Best for vacation homes Condo loans are specifically designed for purchasing individual units within a condominium complex and include considerations for HOA regulations and fees. More

FHA Loans

Best for flexible down payment FHA loans are insured by the Federal Housing Administration and give borrowers the option to get a mortgage with flexible down payments and qualification criteria.More

Interest-Only Mortgages

Best for manageable starting payments Interest-only mortgages let borrowers pay just the interest on their loan for an initial period of 3-10 years. This can make payments more manageable, but may increase the total cost of the loan. More

USDA Loans

Best for limited-income families USDA loans are government-backed mortgages that offer $0 down payment loans to eligible, limited-income borrowers for properties that are located in designated rural or suburban areas. More

New Construction Loans

Best for building a home New construction loans are designed to fund each phase of the project once the previous has been completed. After move-in, these are usually refinanced with a traditional mortgage. More

Government-Backed Purchasing Loans

Best for building a home NYFTY Lending is excited to offer a full suite of government-backed purchase loans, including industry-leading programs insured by the VA, FHA, and USDA. Explore your options below. More

Bridge Loans

Best for buying new home Buying a new home before selling your current one can be complex, but bridge loans may offer a solution. Explore this program, its benefits, and how to get started below. More

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