Best New York Mortgage Lenders
Browse 18 top-rated mortgage lenders in New York as of March 25, 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 -
NMLS # 133519
Conventional & Gov.
Hard/Private/Non-QM
Not just any lender, theLender! š We're proud to boast a 4.8 Customer Satisfaction Rating, supported by over 1000 reviews from our satisfied clients. š Since 2019, our expertise in RESIDENTIAL INVESTMENT PROPERTY financing has led us to successfully fund over $9.4 billion in loans, helping more than 30,000 customers grow their real estate portfolios. š At theLender, we recognize that unique financial needs require tailored solutions. That's why we offer a range of loan products desig... 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 # 1623101
Hard/Private/Non-QM
Common sense lending for Real Estate Investors. We specialize in all types of non conventional financing ranging from bridge/rehab loans for BRRRR projects and flips to 30 year fixed terms on stabilized properties without any personal income requirements. These also allow LLC vesting and have NO CAP on the # of financed rentals you own. We love working with out of state investors and take a simple approach to qualification. FICO, Assets, DSCR, and Experience. Loan amounts ranging from $7... view more -
NMLS # 1125207
Hard/Private/Non-QM
With more than $21 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, Kiaviās 24/7 pricing calculator and team of experts can create a personalized solution for your investment strategy. You get relia... view more -
NMLS # 1716495
Hard/Private/Non-QM
Certain Lending is a technology-driven lender dedicated to real estate investors. We lend nationwide on 1-10 unit residential properties including fix-and-flip, bridge, construction, and rental/DSCR loansādesigned to meet the diverse needs of investors. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on transparency and reliability, we empower both new and seasoned investors to scale their portfolios confidently. Bac... view more -
Hard/Private/Non-QM
Vert is a national lending business using technology to simplify investment property loans. We deliver custom term sheets instantly through our Instant Quote tool. view more -
NMLS # 2625701
Hard/Private/Non-QM
HomeAbroad is a one-stop PropTech and FinTech platform that unlocks US real estate investment for global investors, offering specialized mortgage solutions without needing US credit history or residency, an AI-driven investment property search engine, local investor-friendly real estate agents, and end-to-end support (LLC formation, U.S. bank accounts, property management connections). view more -
Conventional & Gov.
Hard/Private/Non-QM
Branch Lending delivers fast, reliable financing for real estate investors - specializing in DSCR rental loans and Fix & Flip loans. We underwrite based on property performance, not tax returns, and close in as little as ten days with no red tape. With over 20 years of experience, we provide hands-on support, flexible terms, and the certainty of close that experienced investors depend on. Whether you're scaling a rental portfolio or maximizing a flip, Branch Lending gives you an edge where... 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 financingālike quick approvals for competitive marketsācan 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!"