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.

Origination points are often confused with discount points, but they're not the same thing.Origination points are lender...
09/07/2026

Origination points are often confused with discount points, but they're not the same thing.

Origination points are lender fees charged for processing and funding your mortgage. They are usually expressed as a percentage of your loan amount and are included in your closing costs.

Here's the difference:
đź“ť Origination Points = Pay for the lender's services to originate your loan.
📉 Discount Points = Optional fees paid to reduce your interest rate.

Not every loan includes origination points, and the amount can vary by lender. That's why it's important to compare the entire Loan Estimate, not just the interest rate.

Happy Labor Day from Richmond County Mortgage!Today, we recognize the hard work, dedication, and commitment of workers a...
09/07/2026

Happy Labor Day from Richmond County Mortgage!

Today, we recognize the hard work, dedication, and commitment of workers across our communities who help keep New York moving forward every day.

We hope you enjoy a well-earned Labor Day. 🏡💙

Education is a big part of buying a home with confidence.The mortgage process can come with a lot of new terms, numbers,...
09/04/2026

Education is a big part of buying a home with confidence.

The mortgage process can come with a lot of new terms, numbers, and decisions. You don’t need to know everything before you start—you just need the right information and the right people helping you understand it.

That’s what we mean when we say, We Make Better Buyers.

Our goal is to help you understand your options, ask better questions, and feel more prepared for every step of the process.

Ready to start learning what buying a home could look like for you? Send us a DM or call Richmond County Mortgage at (718) 356-2900.

Mortgage rates ticked up slightly this week.The average 30-year fixed mortgage rate was 6.71%, up from 6.66% last week. ...
09/03/2026

Mortgage rates ticked up slightly this week.

The average 30-year fixed mortgage rate was 6.71%, up from 6.66% last week. The 15-year fixed averaged 6.04%.

But remember: the national average you see in a headline isn’t necessarily the rate you’ll be offered.

Your rate and monthly payment can depend on your credit, down payment, loan program, property, and other factors. And when you’re buying a home, the rate is only one part of the equation.

If you’re thinking about buying and want to understand what the numbers could look like for you, give us a call. We’ll help you run the scenarios and understand your options.

đź“ž (718) 356-2900
📧 [email protected]

If mortgage rates dropped tomorrow, would you actually be ready to buy?It’s easy to say, “I’m waiting for rates to come ...
09/02/2026

If mortgage rates dropped tomorrow, would you actually be ready to buy?

It’s easy to say, “I’m waiting for rates to come down.”

But what happens if they do?

Do you know what monthly payment you’re comfortable with? How much cash you may need? What price range makes sense? Which financing options you could be eligible for?

A rate change is only one piece of the decision.

You can’t control where mortgage rates go next. You can control how prepared you are when an opportunity comes along.

That means learning your numbers, understanding your options, and getting your questions answered before you find the house you want.

You don’t have to be ready to buy tomorrow.

But if buying a home is on your radar, now is a good time to start getting educated.

That’s how we make better buyers.

đź“ž (718) 356-2900
📧 [email protected]

Your down payment isn’t the only number to plan for when buying a home.There are other costs that can get overlooked whe...
09/01/2026

Your down payment isn’t the only number to plan for when buying a home.

There are other costs that can get overlooked when buyers are focused on saving for the purchase itself—from closing costs and homeowners insurance to moving expenses and future maintenance.

That doesn’t mean you need to have every expense figured out on day one. But the more you understand before you start shopping, the fewer surprises you may run into along the way.

That’s why we believe mortgage preparation should be about more than getting pre-approved. It’s about understanding the bigger financial picture so you can shop with confidence.

Have questions about what costs to plan for? Let’s talk.

đź“ž (718) 356-2900
📧 [email protected]

When you make a mortgage payment, not all of that money goes toward paying down what you borrowed.Interest is the cost o...
08/31/2026

When you make a mortgage payment, not all of that money goes toward paying down what you borrowed.

Interest is the cost of borrowing the lender’s money to finance your home. Your interest rate helps determine how much interest you’ll pay, and with a typical fixed-rate mortgage, the interest portion of your payment generally decreases over time as your principal balance gets smaller.

That’s why even a small difference in interest rate can make a meaningful difference in your monthly payment and the total cost of your mortgage.

Understanding the numbers is part of becoming a better buyer.

Big goals don't happen by accident.Whether you're buying your first home or working toward something else, preparation c...
08/28/2026

Big goals don't happen by accident.

Whether you're buying your first home or working toward something else, preparation creates confidence. The more you learn today, the more ready you'll be when the right opportunity comes along.

Success favors those who prepare. đź’™

Mortgage rates held pretty much steady this week.According to Freddie Mac, the average 30-year fixed mortgage rate came ...
08/27/2026

Mortgage rates held pretty much steady this week.

According to Freddie Mac, the average 30-year fixed mortgage rate came in at 6.66% as of August 27, 2026, compared with 6.65% last week.

Full update: https://bit.ly/4wSku06

So why aren't rates moving much?

We're getting a mix of economic signals. Consumer spending and household incomes have remained resilient, while inflation is still running above the Federal Reserve's target. That combination hasn't given the bond market a strong reason to push mortgage rates significantly in either direction.

For buyers, there's another part of the story worth paying attention to: Freddie Mac notes that more homes are coming on the market and price growth has slowed in many areas, giving buyers more options.

The rate matters, but it's not the only number that matters.

Purchase price, down payment, loan structure, seller concessions and other factors can all affect what buying a home actually looks like for you.

Want to see the numbers based on your own situation? Give Richmond County Mortgage a call.

đź“ž (718) 356-2900
📧 [email protected]

One of the biggest mistakes a potential homebuyer can make?Deciding they won’t qualify before actually having the conver...
08/25/2026

One of the biggest mistakes a potential homebuyer can make?

Deciding they won’t qualify before actually having the conversation.

No 20% down payment? Student loans? A car payment? Less-than-perfect credit?

Those things can matter when applying for a mortgage, but none of them, by themselves, necessarily tells you whether buying a home is possible.

Mortgage approval depends on your complete financial profile, the loan program, and applicable lender requirements.

So instead of guessing based on something you heard online or assuming you need to “fix everything” first, start by understanding where you actually stand.

That’s a big part of what we mean when we say We Make Better Buyers.

Have questions about getting started? Let’s talk.

đź“ž (718) 356-2900
📧 [email protected]

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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