Richmond County Mortgage

Richmond County Mortgage Mortgage Broker serving all of NY State. Call to find out what you qualify for today! NMLS #19161

At Richmond County Mortgage, we strive to make customer service our priority. Our mission is to serve our customers with honesty, integrity, and competence. We have a hands-on approach and constant contact with each borrower, making it as seamless as possible throughout the mortgage process.

When lenders review a mortgage application, they're not just looking at your income—they're looking at how much of that ...
06/08/2026

When lenders review a mortgage application, they're not just looking at your income—they're looking at how much of that income is already committed to expenses.

Strong ratios can improve your financing options and help determine how much home you may qualify for.

Success in homeownership, investing, and even getting approved for a mortgage isn't just about the moves you make—it's a...
06/05/2026

Success in homeownership, investing, and even getting approved for a mortgage isn't just about the moves you make—it's also about the mistakes you avoid.

At Richmond County Mortgage, we're proud of the conversations that help our clients say "no" to the wrong loan, the wrong timing, or the wrong financial decision. Sometimes the smartest move is the one you don't make.

Education creates better buyers. Better buyers make better decisions. And better decisions build stronger financial futures.

Thinking about buying, refinancing, or investing? Let's talk through your options and help you focus on what matters most.

🍩 Happy National Donut Day! 🍩Mortgages and donuts actually have something in common...There are a lot of options, and th...
06/05/2026

🍩 Happy National Donut Day! 🍩

Mortgages and donuts actually have something in common...

There are a lot of options, and the right one depends on you.

Whether you're buying your first home, moving up, or investing, Richmond County Mortgage is here to help you understand your options and choose the loan that fits your goals.

Because better buyers make better homeowners.

Thinking about buying? Let's talk before you start house hunting.

📉 Mortgage rates moved lower this week.Freddie Mac reports the average 30-year fixed-rate mortgage decreased to 6.48%, d...
06/04/2026

📉 Mortgage rates moved lower this week.

Freddie Mac reports the average 30-year fixed-rate mortgage decreased to 6.48%, down from 6.53% last week. While rates remain elevated compared to where many buyers would like them to be, this week's decline is a reminder that mortgage rates don't move in a straight line.

Read the full rate update: https://bit.ly/4dPL3g9

The biggest mistake we see buyers make? Waiting for a perfect rate before exploring their options.

A small change in rate can help affordability, but there are often other strategies available too—such as seller concessions, temporary buydowns, and choosing the right loan program for your situation. The key is understanding your numbers before making a decision.

Whether you're a first-time buyer, moving up, downsizing, or investing, we're here to help you understand what today's market means for your goals.

Richmond County Mortgage
📍 Serving all of New York State
☎️ (718) 356-2900
📩 [email protected]

Have questions about today's rates or what payment range makes sense for you? Send us a message or give us a call.

06/03/2026

Ever wonder where your monthly mortgage payment actually goes? 🤔

A mortgage payment is more than just paying back the loan. Depending on your situation, it may include:

🏡 Principal: the amount you borrowed
💰 Interest: the cost of borrowing money
🧾 Property Taxes: collected and paid through escrow
🛡️ Homeowners Insurance: protecting your investment
📋 Mortgage Insurance: if required for your loan program

Understanding your payment is one of the best ways to become a more confident homebuyer.

At Richmond County Mortgage, we believe informed buyers make better buyers. If you're thinking about buying a home and want to know what your payment could look like, we're here to help.

📲 Send us a message to get started.

🏡 Nothing makes us happier than helping first-time homebuyers reach the finish line!Thank you, Frank & Jaime, for trusti...
06/02/2026

🏡 Nothing makes us happier than helping first-time homebuyers reach the finish line!

Thank you, Frank & Jaime, for trusting Richmond County Mortgage with such an important milestone. We know buying your first home can feel overwhelming, which is why our goal is always to make the process as smooth, stress-free, and educational as possible.

We're especially proud that our team was able to navigate a unique financing situation and help turn homeownership into a reality. Congratulations on your new home, and thank you for your kind words about Charlie, Michele, and Maria!

Thinking about buying your first home? Let's create a game plan together.

📞 (718) 356-2900
📩 [email protected]

Conventional loans are one of the most popular financing options for homebuyers. They can be used for primary residences...
06/01/2026

Conventional loans are one of the most popular financing options for homebuyers. They can be used for primary residences, second homes, and investment properties, and often offer lower overall borrowing costs for qualified borrowers. Depending on your down payment, you may be required to pay PMI—but unlike FHA mortgage insurance, PMI can often be removed once you build enough equity.

Waiting for the “right moment” usually turns into waiting too long.The buyers who win in this market aren’t the ones sit...
05/29/2026

Waiting for the “right moment” usually turns into waiting too long.

The buyers who win in this market aren’t the ones sitting back—they’re the ones asking questions, getting pre-approved, and making moves when opportunities show up.

Nothing changes until you decide to make it happen

Freddie Mac’s latest survey shows the average 30-year fixed mortgage rate moved up to 6.53% this week. While headlines m...
05/28/2026

Freddie Mac’s latest survey shows the average 30-year fixed mortgage rate moved up to 6.53% this week. While headlines may feel heavy right now, the reality is buyers are still buying — they just need the right strategy and guidance to understand what today’s market actually means for them. Read the full rate update:

🌐 https://bit.ly/4aiuzLd

Remember: the Freddie Mac survey is a weekly average collected earlier in the week, so rates can still move daily based on market activity. And while global uncertainty, inflation concerns, and bond market movement are continuing to impact rates, affordability conversations are about much more than just one number.

At Richmond County Mortgage, we help buyers:
✔️ Understand their real monthly payment options
✔️ Explore buydowns and financing strategies
✔️ Find a financial comfort zone that works for them
✔️ Make informed decisions instead of reacting to headlines

Questions about what today’s rates mean for you? Let’s talk through your options.

📞 (718) 356-2900
📧 [email protected]
🌐 richmondcountymortgage.com

VA loans are one of the strongest mortgage options available for those who qualify. With no down payment, no PMI, and co...
05/25/2026

VA loans are one of the strongest mortgage options available for those who qualify. With no down payment, no PMI, and competitive rates, they can significantly reduce upfront and monthly costs. If you’re eligible, it’s a benefit worth fully understanding.

Address

3191 Richmond Road
New York, NY
10306

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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