Best New York Mortgage Lenders
Browse 23 top-rated mortgage lenders in New York as of November 2, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 1508627
Hard/Private/Non-QM
LendingOne is one of the nation's largest lenders for real estate investors. Our industry leading pricing, leverage and transparency results in thousands of repeat customers a year. We have been a BiggerPockets premium partner for 10 years and the BP community comes first. Our products: 30 Yr DSCR Rental, Fix/Flip, New Construction and SFR Portfolio loans. Top Private Lender on Trustpilot: Over 4.5 Rating w/ over 200 verified reviews. https://www.trustpilot.com/review/lendingone.com ... view more -
Hard/Private/Non-QM
CapSource offers a broad array of lending solutions to facilitate your investment journey, no matter your level of experience. Whether you're aiming to acquire a property for renovation or to generate consistent income from rental units, CapSource is your reliable partner. What distinguishes us is our consultative and coaching approach. We're not merely lenders we're mentors, collaborating closely with you to devise a financial strategy tailored to your unique needs. Seize the opportunity ... view more -
NMLS # 66247
Cardinal Financial - David Ross
Conventional & Gov.
Hard/Private/Non-QM
262 Reviews4.9 stars32 forum postsConventional & Gov.
Hard/Private/Non-QM
I don't just send investors an interest rate and a loan quote. My custom Loan Advisor presentation is part education, part transparency, helping you compare financing options side by side and understand the numbers before making a decision. I walk you through down payment options, interest rates, closing costs, monthly payments, and how the overall cost of a loan can change with different financing structures. It's a visual, easy-to-follow presentation where we can review actual scenarios,... view more -
NMLS # 2167568
Hard/Private/Non-QM
Easy Street Capital, LLC is the ideal lender for fix & flip investment properties, ground-up construction projects, and rentals. Defined by an experienced team and innovative loan programs, Easy Street Capital, LLC is the ideal financing partner for real estate investors of all experience levels and specialties. view more -
Gauntlet Funding
2 forum postsCustomer focused lender to real estate investors. Get Funded or Call Us Today (631)201-5569. Loan Programs: Gauntlet Funding Group offers a wide variety of loans: Private Money Rehabilitation Loan, Private Money Bridge Loan, Private Money Refinance view more -
NMLS # 2063552
Conventional & Gov.
Hard/Private/Non-QM
Your Favorite Lenders has been voted Top Lender in Orange County CA for 2 years straight in the OC register. Our curated and tailored servicing to Investors is what sets us apart from the rest of the market. Product highlights 🏠🚀 Fast 50 -Fast and easy DSCR alternative -No Minimum Fico Score -No Minimum DSCR Requirement -Max LTV (50%), High Equity!! -30 Year Term 🏠😱 90 CLTV DSCR -Flexible and Fast DSCR -Lower Liquidity Requirement -Seller Carry or 2nd's allowed! -30 Year... view more -
Hard/Private/Non-QM
We Provide DSCR, Fix and Flip, Fix and Hold, New Construction, and Rental Loans for Investors, we lend in 39 states. We do loans from $100,000 to $5 Million, give us a call we will get you terms same day. view more -
Hard/Private/Non-QM
With more than $30+ billion in funded loans, Kiavi is one of the nation's largest private lenders to residential real estate investors. Kiavi harnesses the power of data & technology to offer REIs a simpler, more reliable, and faster way to access the capital they need to scale their businesses. With a wide range of bridge and rental funding options to choose from, Kiavi’s 24/7 pricing calculator and team of experts can create a personalized solution for your investment strategy. You get reli... view more -
NMLS # 362124
Hard/Private/Non-QM
We can do 50k loan amts! Both refi and purchase! Most lenders can't do these loans, but we do! DSCR loans with very low rates. Check out my Zillow Reviews https://www.zillow.com/lender-profile/rafik%20issabeigi/ For purchase deals we can do 20% down with a 680 or above score, for cash out refi's we can go up to 75% of the appraised value. No seasoning periods! We pride ourselves in customer service and attention to detail, we're very transparent and always make ourselves ava... view more -
NMLS # 188727
INTERSTATE HOME LOAN CENTER
Conventional & Gov.
Hard/Private/Non-QM
242 Reviews4.8 stars8 forum postsConventional & Gov.
Hard/Private/Non-QM
Multi-faceted lender. Financing solutions across the real estate lending sector view more
New York Mortgage Rates Today
How to Find a Lender in New York
To choose a lender that aligns with your investing goals, start by asking the right questions about their experience with real estate investors and their flexibility in loan terms. When speaking with a potential lender, ask about their familiarity with investment-specific loan products, such as portfolio loans, bridge loans, or cash-out refinancing options, and how often they work with investors in your target market. Understanding the lender's typical loan-to-value (LTV) ratios and whether they offer specialized financing—like quick approvals for competitive markets—can reveal how well their services support quick, strategic property purchases.
In addition to loan features, inquire about fees, interest rates, and their approach to managing multiple property loans. For example, ask if they provide discounts on financing for investors with multiple properties or if they offer customizable loan packages based on your long-term goals. A lender who is open to building a relationship and adjusting terms to your needs is often a better fit for a growing investment portfolio. Finally, get recommendations from local real estate investment groups, which can provide insights into which lenders in your area have a strong track record with investors. And remember there is no one size fits all lender, you will want to find the right one for your investing needs.
Testimonials
"Found a lender who was able to offer exactly what I was looking for."
"Beat our local broker by one percent! Thank you BP."
"Easy to use and found a great Lender! Still going through the process but should close this week!"