MortgageDepot

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MortgageDepot
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We are a rapidly growing, digitally enabled, multi-state mortgage broker specializing in residential and commercial mortgages. Our mission is to deliver exceptional client service to the culturally diverse communities we serve and be the mortgage company of choice for your purchase or refinance. Our dedication to finding the right mortgage program that offers borrowers affordable financing options helped us rank as one of the top 5000 privately held companies by Inc. Magazine for 2020 and 2021.

Whether it’s a purchase or a refinance, our dedicated team of best-in-class, multi-language speaking mortgage professionals, cover all areas of financial advice, that help clients make intelligent financial decisions, and work tirelessly to provide borrowers with a streamlined process throughout the financing life cycle.

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MortgageDepot 125-10 Queens Blvd., Suite 316 Kew Gardens, NY 11415
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70 Posts
MortgageDepot Helps Client Break into Real Estate Investing With a Non-QM Loan - MortgageDepot
Julia Knurova, a dedicated Mortgage Loan Originator (MLO) with MortgageDepot, knows where to find a loan program that works for you. She guided C&T Contracting Solutions LLC/Clifton Maxwell through the mortgage process, persisting through financing challenges to emerge successfully. The client was a self-employed borrower seeking a Non-QM loan. The client’s credit score was 660. It was considered too low in many lenders' eyes. The clients wanted to qualify to qualify for their mortgage using their DSCR. The... more
MortgageDepot Helps Client Break into Real Estate Investing With a Non-QM Loan - MortgageDepot
Mortage Points: What They’re All About - MortgageDepot
Many people have never even heard of mortgage points. A mortgage point, also called a discount point, costs 1% of your home’s purchase price. For each one you buy, your interest rate will decrease by a specific percentage. Some think purchasing one mortgage point will lower their interest rate by an entire percentage point. Contact MortgageDepot today to see if purchasing mortgage points will put you ahead in the real estate game.
Mortage Points: What They’re All About - MortgageDepot
Is Mortgage Insurance a Necessary Evil? Not Always! - MortgageDepot
Not every homebuyer is responsible for a mortgage insurance payment. LTV is a risk measurement used by lenders. A high LTV means that little equity is built up in the home. Fannie Mae and Freddie Mac loans don’t require borrowers with an LTV of 80% or lower to pay mortgage insurance. If mortgage insurance is causing confusion, contact MortgageDepot today to find a loan program that meets your needs.
Is Mortgage Insurance a Necessary Evil? Not Always! - MortgageDepot
Halal Financing Program - MortgageDepot
At MortgageDepot, we believe that matter our background, culture or faith, we all deserve a chance at homeownership. Our Halal Financing program offers our clients a Sharia-compliant alternative to traditional home loans. To remain in step with Sharia, or Islamic Law, a home loan program must have these characteristics: Money cannot be made from money. The lending process includes a specific Sharia- Compliant contract. The transaction must be equitable and transparent. The transactions must be transparent under... more
Halal Financing Program - MortgageDepot
How to become a Mortgage Loan Officer - MortgageDepot
Once you've passed your SAFE MLO test and become licensed, you'll be ready to put your skills to work for borrower clients. Be sure to log into your NMLS account to submit your license application and set your status to “Approved-Inactive” for licensing. Then, the next step is finding a mortgage brokerage where you can apply your new talents. We’ll help you make important contacts in the industry. Our Sales Director will help you be successful. Our sales director will help be successful and knowledgeable... more
How to become a Mortgage Loan Officer - MortgageDepot
The FHA 203(h) Program Helps Disaster Victims Rebuild - MortgageDepot
A Presidentially Declared Major Disaster Area (PDMDA) is a location devastated by a natural or man-induced event. If your home was damaged or destroyed due to a qualifying disaster, you can use this program to rebuild or purchase another home. Not every property type falls under the FHA 203(h) umbrella. If you own one of these property types and reside in a PDMDA, contact us to review your options. For more information. Contact us to see if you qualify for the fHA 203 (h) program.
The FHA 203(h) Program Helps Disaster Victims Rebuild - MortgageDepot
About Ronald Gilmore - MortgageDepot
Ronald Gilmore brings decades of mortgage lending experience to the MortgageDepot team in his position as a Mortgage Loan Originator. Ronald Gilmore can tap into a wealth of knowledge to help each of his clients achieve their unique mortgage goals. To discuss your residential lending needs in Florida with Ronald, contact him today by email or phone.
About Ronald Gilmore - MortgageDepot
Mortgage Down Payments Revealed: How Much You Really Need Upfront - MortgageDepot
A 20% down payment on a home isn’t a must-have anymore! There are mumblings about low down payments and even skipping the down payment altogether. Here are three things that might affect how much cash you’ll shell out upfront for a home. If you're buying a vacation home or an investment property, be prepared with at least 20% of the purchase price. Do Zero-Down Programs Really Exist?
Mortgage Down Payments Revealed: How Much You Really Need Upfront - MortgageDepot
MortgageDepot Obtains Financing for a Foreign National Borrower in Aventura, FL - MortgageDepot
MortgageDepot specializes in meeting the challenges faced by borrowers who are foreign nationals. Our access to multiple lenders offering a variety of financing options and programs suited for nontraditional borrowers, helped a client under contract purchase a condo in Aventura, Florida. After previously seeking financing for the condo elsewhere with no success, he contacted one of our talented loan originators, Julia Knurova, for assistance, who was able to deliver solutions tailored to his situation. The client... more
MortgageDepot Obtains Financing for a Foreign National Borrower in Aventura, FL - MortgageDepot
Fixed-Rate Mortgages and ARMs: Is One Better Than the Other? - MortgageDepot

Interest rates are higher than we’ve seen in years, so if you’re braving the housing market, your mortgage matters. In the past, a 30-year fixed mortgage was the overwhelming favorite. Today, people are exploring other options to score the lowest interest rate.

Many people aren’t aware of how many mortgage options are out there because they’ve never needed to research them. A 30-year fixed mortgage has always been affordable enough. Now people are looking at shorter loan terms or adjustable-rate

... more
Fixed-Rate Mortgages and ARMs: Is One Better Than the Other? - MortgageDepot
Home Loan Documents: Following the Paperwork Trail to Homeownership - MortgageDepot
Some lenders are extremely detail-oriented. Here's an in-depth look at all of the documents you'll need to get the keys to your dream home in your hands. Completing the Mortgage Application Without all the attachments, the mortgage application is a lengthy piece of paperwork itself! Here are some documents you should have available to make the process painless: Your government-issued ID The purchase price of the home Details about the type of mortgage you hope to receive Information about legal concerns that... more
Home Loan Documents: Following the Paperwork Trail to Homeownership - MortgageDepot
Why Do I Need a Mortgage Broker? Let’s Find Out! - MortgageDepot
Are you considering buying a home but concerned that mortgage knowledge is a prerequisite? Put your worries to rest! Most buyers know little about mortgages. Mortgage brokers help buyers demystify the mortgage mayhem, emerging with a home loan that meets their needs without compromising their budget. What Is a Mortgage Broker? A mortgage broker serves as a liaison between borrowers and lenders. Because there is a mind-boggling number of mortgage programs available, mortgage brokers make it their mission to know... more
Why Do I Need a Mortgage Broker? Let’s Find Out! - MortgageDepot
Mortgage Mythbusting: Revealing the Truth About Home Loan Qualification - MortgageDepot
There are several myths surrounding mortgage qualification. Listen to our mortgage experts instead! Today we're going to bust some of the most common myths about mortgage qualification and share the truth about what you can expect at the mortgage desk. Myth #1: I'll need to endure a lengthy application process to determine if I qualify for a mortgage, and it might be all for nothing. Myth #2: My credit score needs to be insanely high to qualify for a mortgage. Fact: The higher your credit score, the lower your... more
Mortgage Mythbusting: Revealing the Truth About Home Loan Qualification - MortgageDepot
About Gasly Julmisse - MortgageDepot
Gasly Julmisse joins our growing team at MortgageDepot as a Mortgage Loan Originator. With his solid background in customer service, Gasly is firmly committed to providing each client with his full attention and knowledgeable assistance from start to finish. Serving clients' purchase and refinancing needs, he employs both critical thinking and creative thinking skills to help applicants achieve their goals regardless of how challenging the loan requests may be. Each loan applicant at MortgageDepot has unique... more
About Gasly Julmisse - MortgageDepot
Don’t Be Denied! Reasons Why Your Mortgage Application Might Not Pass - MortgageDepot
Getting denied a mortgage is a top homebuyer fear that prevents many people from even talking to a mortgage professional. Knowing this information will allow you to troubleshoot any application downfalls before you fall in love with a home. If you know anything about the mortgage process, you know that credit is critical. Lenders want proof that this is a permanent salary rather than a temporary wage increase. Contact MortgageDepot today to find a loan program that meets your needs. For more information, contact... more
Don’t Be Denied! Reasons Why Your Mortgage Application Might Not Pass - MortgageDepot
About Razia Sultana - MortgageDepot

Razia Sultana proudly meets our clients’ home loan needs at MortgageDepot as a Mortgage Loan Originator. She actively provides creative, effective lending solutions so that applicants can achieve their home buying and refinancing goals. At the same time, she strives to make the loan process as straightforward and hassle-free as possible by providing exceptional customer service and focusing on open communication.

Razia graduated from Queens Borough Community College in December 2020 with an associate’s

... more
About Razia Sultana - MortgageDepot
What Kind Of Home Can I Afford? Four Factors To Consider - MortgageDepot
The more money you put down on a home, the smaller your mortgage needs to be. If you have a significant amount of on-hand cash, you might be more comfortable stretching the limits of your preapproval. If your savings account is on the small side, you may err on the side of caution and spend less than your pre-approval. Contact MortgageDepot today.
What Kind Of Home Can I Afford? Four Factors To Consider - MortgageDepot
About Calvin McKnight - MortgageDepot
Calvin McKnight is a valuable part of MortgageDepot's team. Calvin is certified as a Florida Mortgage Loan Officer, and he holds two advanced degrees. Calvin strives to provide each client at MortgageDepot with knowledgeable support, so he has committed to continued education on mortgage topics. From his deep knowledge of our many competitive loan programs at MortgageDepot to his creative approach to finding lending solutions that are suitable for the client's needs, Calvin has the expertise and drive necessary... more
About Calvin McKnight - MortgageDepot
Your All-Inclusive Guide to Mortgage Preapprovals - MortgageDepot
Developing your wish list, browsing homes, embarking on a new adventure Wouldn't it be nice if you could forget the mortgage application process and focus on the fun? While you can't ignore the business end of buying a home, there are things you can do to lighten your load. One step you can take is to get a mortgage preapproval before you start shopping for a home. What Is a Mortgage Preapproval? A mortgage preapproval letter tells you approximately how much money you can borrow to purchase a home. Why Is a... more
Your All-Inclusive Guide to Mortgage Preapprovals - MortgageDepot
An Honest Look at 20% Down Payments: The Pros and Cons - MortgageDepot
For decades, 20% of the home’s purchase price has been the magic number. These days, few lenders require a 20% down payment, which is good news for cash-strapped buyers. But coming to closing with a large down payment has certain advantages that are tough to argue. Contact us at MortgageDepot today to see home loan options to suit your unique needs. For more information, contact us at MortgageDepot Today.
An Honest Look at 20% Down Payments: The Pros and Cons - MortgageDepot
About Mohamed-Sheriff Bakarr Kamara - MortgageDepot
Mohamed-Sheriff Bakaar Kamara provides our valued customers with exceptional service through his role as a Mortgage Loan Originator. Mohamed is an experienced loan professional with a strong background in finance. Immediately prior to joining our team, he worked as a Mortgage Loan Officer and then as a Senior Mortgage Loan Officer. Through Mohamed's deep lending experience, he has a keen understanding of the motivations and challenges of today's home loan applicants. Licensed to work as a mortgage loan officer... more
About Mohamed-Sheriff Bakarr Kamara - MortgageDepot
Credit Score 101: What You Need To Know To Be a Successful Borrower - MortgageDepot
The more you know about credit scores, the more successful you'll be when you're applying for a home loan. To calculate a credit score, specific information about your borrowing history is plugged into an algorithm. There are a few different algorithms available, but no matter which one you look at, your credit score will be similar across the board. If you open several new credit accounts in a short period of time, red flags go up. To maximize your score.
Credit Score 101: What You Need To Know To Be a Successful Borrower - MortgageDepot
Saving Money With a 5/1 ARM? It’s Happening Now! - MortgageDepot
Did you know that the interest rate on a 30-year fixed mortgage has increased by over three percentage points in the past 18 months? This number is causing many potential buyers to take a wait-it-out approach to real estate. What if you don't want to wait for the economic tides to turn? More buyers are investigating adjustable-rate mortgages to score a lower interest rate and finance their dream homes. The Scoop on Adjustable-Rate Mortgages Adjustable-rate mortgages have a variable interest rate, causing monthly... more
Saving Money With a 5/1 ARM? It’s Happening Now! - MortgageDepot
Buying a Flipped Home: Ask These Four Questions First! - MortgageDepot
You're looking at available listings and see an eye-catching, fully remodeled home with the works. After doing a little research, you learn that the home was probably flipped. Perfect! Someone else did all the remodeling for you, so all you need to do is unpack your boxes and enjoy, right? Not so fast! Buying a flipped home works this way a lot of the time, but not always. Are you looking at a flip or a flop? If you are checking out a flipped home, ask these questions to guide your purchase decision: Are there... more
Buying a Flipped Home: Ask These Four Questions First! - MortgageDepot
FHA-Approved Condos: An Affordable Option for Homebuyers - MortgageDepot

FHA loans level the real estate playing field for low-income homebuyers. Unfortunately, if you have your eyes on a condo, you might be in for a challenge. If the condo of your dreams isn’t FHA approved, should you give up or move forward?

It might be worth your while to persist. Did you know that if the condo you want doesn’t hold that all-important FHA condo ID number, you can still initiate an approval? Keep those condos on your wish list because today we’re going to tell you everything you

... more
FHA-Approved Condos: An Affordable Option for Homebuyers - MortgageDepot
About Victoria Herrera Gaton - MortgageDepot
Victoria Herrera Gaton adds value to the MortgageDepot team as a Mortgage Loan Originator. Victoria takes great pride in the high level of service that she provides to each of her clients - her specialty is to identify loan programs that align with their needs, while expertly communicating the advantages of those programs. Her tenacity, goal-oriented approach, and deep knowledge of the mortgage industry help her clients achieve their homeownership goals. She zealously stands by her clients throughout their loan... more
About Victoria Herrera Gaton - MortgageDepot
Understand Your Housing Payment and Avoid a Costly Surprise! - MortgageDepot
These statements are false! While the principal and interest are the parts of your mortgage payment that receive the most attention, additional monthly costs could make or break your ability to afford the home you want. If you want to know where your potential housing payment stands, it's time to talk to a mortgage pro. Breaking Down Your Monthly Housing Payment There is much more to your mortgage than principal and interest. The more your home is worth, the higher your property taxes will be. Homeowner's insurance... more
Understand Your Housing Payment and Avoid a Costly Surprise! - MortgageDepot
Demystifying Your First Mortgage Payment - MortgageDepot

When it’s time to make your first mortgage payment, it’s easy to get confused. Is it due at closing? At the end of the month? If you close at the end of the month, do you need to submit your payment within a few days?

Don’t miss your first mortgage payment! Today we’ll tell you everything you need to know to pay your mortgage on time.

When Is My First Mortgage Payment Due?

Mortgage payments are usually due on the first of the month, but what about that all-important

... more
Demystifying Your First Mortgage Payment - MortgageDepot
Why Refi? Four Reasons Why Homeowners Decide To Refinance - MortgageDepot
Refinancing means paying off an existing mortgage and replacing it with a new one. Most lenders recommend refinancing if you can lower your interest rate by at least 2%, although some say that a 1% reduction is enough to reap financial rewards. Some homeowners opt for a cash-out refinance and use the equity in their home for hefty expenses. While we don’t recommend you use the money from refinancing to take fancy vacations. Contact us at, MortgageDepot.
Why Refi? Four Reasons Why Homeowners Decide To Refinance - MortgageDepot
Mortgage Calculators: A Helpful Tool for Mind-Boggled Buyers - MortgageDepot
There's nothing worse than thinking you understand your potential mortgage payment, only to discover that it will be much larger than you planned! Your mortgage is likely your most significant monthly financial commitment. How Do Mortgage Calculators Work? Calculating a monthly mortgage payment is a complicated process that most borrowers would rather avoid. Online mortgage calculators help even the most mathematically-challenged borrowers figure out their monthly payments with relative accuracy. The best ones... more
Mortgage Calculators: A Helpful Tool for Mind-Boggled Buyers - MortgageDepot
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