Errol Santos - Mortgage Loan Originator

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Errol Santos - Mortgage Loan Originator Errol Santos is a Mortgage Specialist in Queens, NY with 18+ years experience. Hartford Funding Ltd.

He helps buyers, homeowners, investors, and realtors secure financing.

“A personal referral is the best way to say you appreciate my services." Company NMLS #: 58160

Licensed Mortgage Banker, licensed by NYS Department of Financial Services. Registered New York Mortgage Loan

Errol Santos Mortgage Loan Originator NMLS #: 1115876
Licensing infohttp://www.nmlsconsumeraccess.org

There are a few mortgage “rules” people repeat so often that they start to sound like facts.But they aren’t always true....
09/07/2026

There are a few mortgage “rules” people repeat so often that they start to sound like facts.

But they aren’t always true.

Myth #1: You need 20% down.
Many buyers assume they have to save 20% before they can even think about purchasing. In reality, there are loan programs that may allow qualified buyers to purchase with significantly less.

Myth #2: You need perfect credit.
A higher credit score can certainly help, but you do not need a perfect score to explore your mortgage options. Lenders look at the overall financial picture, not just one number.

Myth #3: You need to be at the same job for two years.
Employment and income history matter, but changing jobs does not automatically disqualify you. Your occupation, income type, employment history, and the loan program all play a role.

The bigger point?

Don’t disqualify yourself based on something you heard years ago.

Mortgage guidelines are not one-size-fits-all, and your situation may have more options than you realize.

Have a question about buying, refinancing, or investing? Reach out. If I can help, I will. And if your situation requires a different specialist, I’ll connect you with someone I trust.

Loan eligibility and requirements vary by program and borrower qualifications.

For the last few years, homebuyers have heard the same story:Not enough homes.Too much competition.Very little room to n...
09/03/2026

For the last few years, homebuyers have heard the same story:

Not enough homes.
Too much competition.
Very little room to negotiate.

That picture is starting to change.

The latest housing data shows that the number of homes actively listed for sale has climbed to its highest level since late 2019. At the same time, the national median listing price is running about 2% below where it was a year ago.

That doesn’t mean homes suddenly became cheap.

And mortgage rates are still challenging affordability.

But buyers are getting something they haven’t had much of recently:

Options.

More inventory can mean more time to compare properties, more opportunities to negotiate, and less pressure to jump on the first home that becomes available.

This is why I don’t think today’s market should only be viewed through the lens of the interest rate.

A purchase has several moving pieces.

The price you negotiate matters.

Seller concessions can matter.

Your financing structure matters.

And having more homes to choose from matters.

Sometimes waiting for the “perfect” rate means overlooking an opportunity to negotiate a better overall deal today.

If you’re considering buying but have been sitting on the sidelines, this may be a good time to run the numbers again.

You don’t have to commit to anything.

Sometimes knowing what you can afford and what options are available is enough to put you in a much better position when the right property shows up.

Have a question? Reach out anytime.

If I can help, I will. And if you need something outside my area, I’ll connect you with someone I trust who can take care of you.

A lot of people are financially ready to buy, but their paperwork does not always tell the full story.That is especially...
08/28/2026

A lot of people are financially ready to buy, but their paperwork does not always tell the full story.

That is especially true for self-employed borrowers, business owners, investors, and anyone earning income in a nontraditional way.

You may have strong credit.
You may have money saved.
You may have consistent cash flow.

But if your income does not fit neatly into a conventional mortgage guideline, getting approved can feel frustrating.

That does not always mean the answer is no.

There are mortgage programs designed for borrowers whose financial picture looks different from the traditional W2 employee.

The key is finding the right structure for your situation.

I always tell people this: do not rule yourself out before you understand all of your options.

If you are thinking about buying, investing, or simply want to know what may be possible, reach out. If I can help, I will. And if your situation needs a different specialist, I will connect you with someone I trust.

Sometimes the right conversation is all it takes to find a better path forward.

Not every strong buyer has traditional income on paper.If you are self-employed, invest in real estate, or earn income i...
08/25/2026

Not every strong buyer has traditional income on paper.

If you are self-employed, invest in real estate, or earn income in a nontraditional way, qualifying for a mortgage can sometimes be more about finding the right program than forcing your finances into a conventional box.

For qualified borrowers, alternative-documentation mortgage options may allow you to purchase a property with as little as 15% down.

This may be worth exploring if you have strong credit, solid assets, or consistent income that simply does not show up in the traditional way.

The key is knowing that one “no” does not always mean you are out of options.

If you are thinking about buying and want to know whether this type of program could fit your situation, send me a message.

This is not a commitment to lend. Eligibility, terms, and restrictions apply. Programs are subject to change.

Scaling from a few rental properties into larger multifamily deals can feel like a big jump, but the right financing can...
08/18/2026

Scaling from a few rental properties into larger multifamily deals can feel like a big jump, but the right financing can make that next move much more realistic.

If you’re looking at 5 to 10 unit properties, there are financing options built specifically for investors who want to grow beyond smaller residential deals.

This program offers loan amounts up to $3 million, purchases up to 75% LTV, and cash-out refinancing up to 65% LTV. Qualification starts with a minimum 1.10 DSCR and 700 FICO, with additional flexibility including one vacancy allowed on refinances. Broker and Realtor fees may also be financed in eligible transactions.

For the right investor, this can mean more flexibility to preserve capital, acquire larger properties, and keep building the portfolio without forcing the deal into a traditional financing structure.

The property matters, but so does knowing how to finance it.

If you have a 5 to 10 unit opportunity you’re considering, send me the scenario. I’ll help you look at the numbers and see what options may make sense.

Errol Santos
NMLS #1115876

Program availability, eligibility, terms, and restrictions apply and are subject to change.

Buying a home already comes with enough upfront expenses.Here’s one option many buyers may not know exists.In eligible s...
08/12/2026

Buying a home already comes with enough upfront expenses.

Here’s one option many buyers may not know exists.

In eligible situations, the buyer agent fee may be financed directly into the mortgage instead of being paid entirely out of pocket at closing.

That could mean financing up to 3% of the loan amount for the buyer agent fee.

For buyers trying to preserve cash for their down payment, closing costs, moving expenses, or simply keeping more money in reserve after purchasing, that flexibility can make a real difference.

It’s also something real estate agents should know about.

If a buyer is concerned about how their agent’s fee will affect the cash they need to close, don’t automatically assume the deal has to stop there. There may be another way to structure the financing.

A lot of my work comes down to exactly this: understanding the options that aren't always obvious and finding the right structure for the individual buyer.

Have a buyer facing this situation?

Send me the scenario. I’m always happy to take a look.

What if your income doesn’t look traditional on paper, but everything else about your financial picture is strong?That’s...
08/10/2026

What if your income doesn’t look traditional on paper, but everything else about your financial picture is strong?

That’s a situation I see more often than people realize.

Self-employed borrowers, real estate investors, and people with nontraditional income can have strong credit, significant assets, and the ability to comfortably afford a property, but traditional income documentation may not tell the whole story.

That doesn’t automatically mean homeownership is off the table.

For qualified borrowers, alternative-documentation mortgage programs may provide an option to purchase a property with as little as 15% down, without relying on the traditional income documentation required by many conventional loans.

This can be particularly useful for:

• Self-employed borrowers
• Real estate investors
• Buyers with nontraditional income
• Borrowers with strong credit and assets

The important thing is not to assume you don’t qualify simply because your finances don’t fit neatly into a traditional lending box.

There may be another way to structure the financing.

If you’re considering a purchase and traditional income documentation has been an obstacle, send me a message. I’d be happy to look at your situation and see what options may be available.

Errol Santos | NMLS #1115876

This is not a commitment to lend. Eligibility, terms, and restrictions apply. Programs are subject to change.

One of the biggest myths I hear from real estate investors is:"I can't buy another property because my tax returns won't...
08/05/2026

One of the biggest myths I hear from real estate investors is:

"I can't buy another property because my tax returns won't qualify me."

That might have been true years ago.

Today, there are financing options designed specifically for rental property investors that focus on what matters most.

The property's cash flow.

Not your W-2.

Not your tax returns.

Not your employment history.

If the numbers on the property make sense, you may have more financing options than you realize.

Programs like these can offer loan amounts up to $3 million, financing for purchases up to 85% loan-to-value, allow condos and 2 to 4 unit properties, and even permit short-term rentals in eligible situations.

Every investor's situation is different, which is why I always recommend looking at the entire picture before assuming a deal won't work.

The right financing strategy can open doors that many investors never knew existed.

If you're thinking about expanding your portfolio, let's have a conversation. Even if this program isn't the right fit, I'll help you explore the options that are.

For the last 18 years, I've built my career around creative mortgage financing.Helping self-employed buyers.Helping real...
08/05/2026

For the last 18 years, I've built my career around creative mortgage financing.
Helping self-employed buyers.

Helping real estate investors.

Helping buyers who have been told "no" somewhere else.

But here's something a lot of people don't know about me...

If I can't personally help with your situation, I won't leave you searching for answers.

Over the years, I've built relationships with attorneys, accountants, insurance professionals, financial advisors, real estate agents, contractors, investors, and lending specialists I genuinely trust.

If your question falls outside my expertise, I'll connect you with someone who can help.

Not because I get something out of it.

Because I believe everyone deserves to be pointed in the right direction.
My goal has never been to be the person who has every answer.

My goal is to be the first person you think to call when you have a question.
If I can solve it, I will.

If I can't, I'll introduce you to someone who can.

And if they came through me, you can expect they'll take care of you the same way I would.

Whether you're buying a home, financing an investment property, looking for creative lending solutions, or just trying to figure out your next move, don't hesitate to reach out.

Sometimes the most valuable thing I can offer isn't a loan.

It's the right connection.

🚨 LAST CALL, We go live in hours! 🚨Creative Financing 101 starts TODAY at 4:00 PM EST and this is your final chance to r...
07/14/2026

🚨 LAST CALL, We go live in hours! 🚨

Creative Financing 101 starts TODAY at 4:00 PM EST and this is your final chance to register.

Once we go live, the link closes. No replays. No second chance to grab your seat.

If you've been waiting for the "right time" to figure out how to buy without a traditional bank loan this is it.

🔗 Register now before it's gone: https://mortgage.neuhausdevelopment.com/

🕓 4:00 PM today only

Don't say we didn't warn you. See you in the room.

Address

3601 Hempstead Turnpike, Suite 300
Levittown, NY
11756

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