All Island Mortgage & Funding Corp.

Mortgage Broker serving Smithtown, NY

About All Island Mortgage & Funding Corp.

All Island Mortgage & Funding Corporation is a family-owned and operated mortgage brokerage established in 1989. Serving a wide range of states including New York, New Jersey, Florida, and many others across the US, they have built a strong reputation within the mortgage industry. As an FHA & VA approved broker and a member of the National Reverse Mortgage Lenders Association, All Island Mortgage has cultivated relationships with numerous banking institutions to offer diverse lending solutions.

The firm prides itself on a highly personalized approach, assigning a dedicated loan specialist to each client from start to finish, irrespective of loan size or credit history. This commitment to individualized service ensures that borrowers receive tailored advice and support through what can often be a complex process. They are notably recognized as a leader in reverse mortgage financing, alongside offering a broad spectrum of forward mortgage options.

All Island Mortgage leverages its extensive network to connect clients with suitable third-party providers for purchase, refinancing, and even commercial loans. Their services extend to vacation and investment properties, demonstrating a versatile portfolio designed to meet varied client needs, including specialized considerations like debt consolidation and options for self-employed borrowers or those with past bankruptcies.

Company Information

Founded: 1989
Lender Type: Mortgage Broker
Headquarters: Smithtown, NY

Licensed In

NYNJFLMTPACTWAAKCATXMECOIDNMSCARIA

Certifications & Credentials

FHA ApprovedVA ApprovedNMLS IDLicensed by the N.J. Department of Banking and InsuranceMembers of the National Reverse Mortgage Lenders Association

Digital Capabilities

Online Application
Digital Document Upload
Rate Calculator
Pre-Qualification Tool

Home Loan Products

Conventional Home Loans

Loan Types:
ConventionalRefinanceCash-Out RefinanceInterest-Only
Rate Types:
Fixed RateAdjustable Rate (ARM)Interest-OnlyHybrid ARM
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
15 years30 years
Credit Tiers:
Excellent (740+)Good (680-739)Fair (620-679)Poor (580-619)Bad (<580)
2.5%
Min Down Payment
97.5%
Max LTV

FHA Loans

Loan Types:
FHARefinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Low Down Payment Program
3.5%
Min Down Payment

VA Loans

Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
Veteran Program
0

Reverse Mortgages

Loan Types:
Reverse Mortgage
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence

HARP 2.0 Refinance

Loan Types:
Refinance
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence

Commercial Loan Products

Commercial & Business Loans

Loan Types:
Conventional CREBusiness Acquisition
Property Types:
Mixed-UseMultifamily (5+ units)OfficeRetailIndustrial/Warehouse

Contact Information

Fax: (631) 979-3360

Professional Licenses

NMLS ID: 3740
496 NY-347 #308
Smithtown, NY 11787
US
Mailing Address:
496 Smithtown By-Pass Suite 308 Smithtown, NY 11787

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Business Information

Category: Mortgage Broker
Location: Smithtown, NY
Status: Standard
Founded: 1989
Type: Mortgage Broker
NMLS ID: 3740
Profile Views: 8

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