Leo Namiot - CrossCountry Mortgage

Leo Namiot - CrossCountry Mortgage Leo Namiot
Trusted Mortgage Lender Since 2003
Home Purchase | Home Refinance
NMLS # 89769
Equal Housing Lender
www.LeoLends.com Hartford Funding, Ltd.

DISCLOSURES:

HARTFORD FUNDING, LTD. (NMLS ID #58160) 100 Crossways Park Drive West, Suite 302, Woodbury, New York 11797 | 833-238-2280. is an Equal Housing Opportunity Lender. Mortgage Loan Originator: Leo Namiot - NMLS #89769

No mortgage loan applications in any state will be accepted through this site. CAUTION: Site is public domain. Users be aware of risks associated with third party links an

d providing non-public personal or private information on social media. Direct inquiries/complaints: www.hartfordfunding.com
Privacy Policy: https://www.hartfordfunding.com/privacy-policy
For full company and MLO licensing information go to www.nmlsconsumeraccess.org (NMLS #58160)

Who you work with REALLY MATTERS! Let's talk 904.712.1500.
06/06/2026

Who you work with REALLY MATTERS!
Let's talk 904.712.1500.

Homebuyers, your journey to homeownership doesn’t have to be stressfulThis video https://youtube.com/shorts/Bd8XFbgZ8fY...
01/27/2026

Homebuyers, your journey to homeownership doesn’t have to be stressful
This video https://youtube.com/shorts/Bd8XFbgZ8fY outlines how my Home Buyer Journey works, giving you a clear, step-by-step roadmap from pre-approval to closing. It’s designed to remove confusion, reduce stress, and help you feel confident every step of the way. Any questions, feel free to reach out to me 904.712.1500
Leo Namiot | Mortgage Loan Officer
904.712.1500
www.LeoLends.com
NMSL #89769
Equal Housing Lender

01/18/2026

Homebuyers and buyers agents must watch video that makes the home buying experience smooth.

Tap your home equity!Quick online processClose in as little as 5 business days ! Easy process. Call 904-712-1500 for mor...
01/18/2026

Tap your home equity!
Quick online process
Close in as little as 5 business days !
Easy process. Call 904-712-1500 for more information

A new year brings fresh opportunities and new goals.Whether you are planning to buy a home soon or later this year, gett...
12/30/2025

A new year brings fresh opportunities and new goals.

Whether you are planning to buy a home soon or later this year, getting informed early is key. Understanding your mortgage options and preparing your finances now may save time and stress later.

Homeownership starts with a conversation and a solid plan.

Contact me today and let’s talk about your next move.
904-712-1500 www.LeoLends.com

Extending warm wishes to everyone for a joyous holiday season.
12/25/2025

Extending warm wishes to everyone for a joyous holiday season.

Next month at this time, you could be a homeowner.If you’re renting, homeownership may be closer than you think. With th...
12/21/2025

Next month at this time, you could be a homeowner.

If you’re renting, homeownership may be closer than you think. With the right mortgage guidance, you can stop paying your landlord’s mortgage and start building equity for yourself.

As a trusted mortgage advisor for 23 years, I help first-time buyers:

Clearly understand what they qualify for before shopping

Use proven strategies that help their offers get accepted

Implement smart mortgage strategies that can save thousands of dollars

Any lender can close a loan — that’s expected.
My focus is helping buyers win smart deals, not just get approved.

Buyer’s agents:
If you want to win more deals while helping your buyers save thousands, let’s talk. Strong financing and strategy make the difference between losing offers and getting to the closing table.

No obligation. No pressure. Just a real conversation.

Call or text 904-712-1500

The Fed just cut rates — here’s what that really means for the mortgage market.The Federal Reserve does not directly set...
12/11/2025

The Fed just cut rates — here’s what that really means for the mortgage market.

The Federal Reserve does not directly set mortgage rates.

What the Fed does control is the federal funds rate, which affects short-term borrowing costs for banks, credit cards, auto loans, business loans, and home equity lines of credit (HELOCs).

But here’s where it connects to mortgages:
After the Fed cut rates, U.S. Treasury yields dropped (the 10-year fell to 4.125%). That matters because mortgage rates tend to follow the movement of the 10-year Treasury yield, not the Fed rate itself.
Mortgage rates are also highly volatile. They move up or down as the 10-year Treasury bond moves.

This most recent rate cut created a ripple effect across the financial markets that helped push the 10-year Treasury lower, and mortgage rates dipped because of it. But that can change at any time.

Mortgage rates can move quickly.
If the 10-year Treasury rises, mortgage rates can climb just as fast.
If it drops, rates can improve.

The rate you’re quoted today is not locked until you actually lock it.

Have questions? I’m here to help with anything mortgage-related. Put my nearly 23 years of experience to work for you.

Call or text: 904.712.1500
DM me anytime.
Want monthly mortgage and market insights? DM me to join my email list.
www.LeoLends.com

Homebuyer Tip: Understand ALL the Costs Before You Start ShoppingThe sales price and down payment are only part of the p...
12/01/2025

Homebuyer Tip: Understand ALL the Costs Before You Start Shopping

The sales price and down payment are only part of the picture. Buying a home also includes additional costs that many buyers don’t plan for. Knowing these upfront protects your budget and helps you shop with confidence.

Additional expenses to be prepared for include:

Closing costs

Prepaid taxes and insurance

Inspection fees

Appraisal and lender-related fees

Routine maintenance and unexpected repairs

The smart part?
When the deal is structured the right way, you can often negotiate seller concessions to cover some or even all of these closing costs — significantly reducing how much you need to bring to closing.

And depending on eligibility, there are 100% financing programs for qualified buyers, which can cover the entire purchase price.

Before you start touring homes — or if you’re already looking — let’s have a quick conversation. I’ll walk you through the options and strategies that can help you:

Reduce out-of-pocket costs

Save thousands without lowball offers

Strengthen your negotiating position

This call could save you thousands of dollars before you even make an offer.

Call/Text: 904-712-1500
www.LeoLends.com
More than just great rates!

Leo Namiot | Mortgage Lender Since 2003
NMLS #89769 | Equal Housing Leo Namiot - Mortgage Lender.

Address

Woodbury, NY

Opening Hours

Monday 8am - 9pm
Tuesday 8am - 9pm
Wednesday 8am - 9pm
Thursday 8am - 9pm
Friday 8am - 9pm
Saturday 8am - 9pm
Sunday 8am - 9pm

Telephone

+19047121500

Website

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