THE MORTGAGE BROKER ADVANTAGE.
More loan options. Better Strategies. Personal Guidance.
Direct access to top wholesale lenders and the honest guidance to actually use it — from a local team that answers the phone. This is what a mortgage broker is supposed to feel like.
Mortgage Programs
Whether you're buying your first house or your fifth, there's a wholesale-priced loan program built for your situation — and a local loan officer to walk you through it.
Conventional Loans
Fannie Mae & Freddie Mac guidelines with no lender overlays — the real guideline, not a stricter version of it.
VA Loans
$0 down and no PMI for eligible veterans, active duty, and surviving spouses. You served — let us help.
FHA Loans
As little as 3.5% down with flexible credit qualifying — a common first step to homeownership.
Non-QM Loans
Bank-statement, asset-based, and DSCR options for self-employed and investor borrowers.
Home Equity Loans
Borrow against the equity you've built — for renovations, debt payoff, or your next move — without touching your first mortgage.
Reverse Mortgages
Homeowners 62+ can convert home equity into retirement income while staying in their home.
Two decades of Long Island homeownership.
The kind of track record that only comes from doing right by your neighbors, year after year.
Local knowledge. Real buying power.
We're not a call center and we're not a bank — we're a family-owned brokerage that lives and works right here on Long Island.
Local Knowledge
We know the towns, the realtors, and the attorneys — not a bot on the net, part of your community.
Fast Processing
We close loans quickly, and we're built to handle the curveballs that come up along the way.
White-Glove Service
Every client is treated like family — you'll never get lost in the shuffle here.
No Lender Overlays
Our wholesale lenders underwrite to the actual Fannie Mae & Freddie Mac guideline — not a stricter in-house version.
A plan for wherever you're starting.
Whether you're about to make an offer or you've owned your home for years, here's how Coltrain can put wholesale rates to work for you.
Low Down Payment Options
As little as 3% down on conventional, 3.5% on FHA, or $0 down for eligible veterans — there's a program built for your budget.
Compare down payments →Get Pre-Approved Fast
Know your real budget before you tour a single house, so you can make a confident offer the moment you find "the one."
Get pre-approved →Local Guidance, Start to Finish
A Long Island loan officer who knows the towns, the realtors, and the attorneys — guiding you from offer to closing.
Meet our team →Lower Your Payment
Taking advantage of our wholesale rates can free up monthly cash flow and add security in uncertain times.
Reduce my payment →Get Cash Out
If your home has gained value, put that equity to work — home improvements, debt payoff, whatever you need.
Use my equity →Shorten Your Term
Rates on 15-year terms can land close to your current payment — while paying off your home years sooner.
Shorten my term →Serving Long Island — and beyond.
Coltrain Mortgage is headquartered in Hauppauge, New York, serving homebuyers across Nassau County, Suffolk County, and Queens, as well as licensed lending in New Jersey, Pennsylvania, and Florida. As a Registered Mortgage Broker (NMLS #10640), we combine hyper-local market knowledge with the rate access of a national wholesale lender network.
Visit or Call Our Hauppauge Office
Click here to find Coltrain →Hauppauge, NY 11788
Sat by appointment · Sun closed
Trusted by hundreds of Long Island families.
from over 900 verified Google reviews
Read Our ReviewsLet's find the best mortgage for you.
Tell us a little about what you're looking to do and a local Coltrain loan officer will personally reach out — usually within one business day.
- No obligation, no pressure
- A real local loan officer, not a call center
- Wholesale rate access, no lender overlays
Get Your Free Consultation
Thanks — you're all set.
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Mortgage basics, answered.
What does a mortgage broker do differently than my bank?
A bank can only offer its own loan programs and rates. As a mortgage broker, Coltrain shops your loan across multiple wholesale lenders to find the best rate and terms for your specific situation — often with more flexible underwriting than a single bank can offer.
Should I choose FHA, VA, or a conventional loan?
It depends on your down payment, credit, and eligibility. VA loans offer $0 down for eligible veterans, FHA loans allow as little as 3.5% down with flexible credit, and conventional loans can offer the lowest long-term cost for borrowers with strong credit. A loan officer can walk you through which fits your situation.
How much house can I afford?
Affordability depends on your income, debts, down payment, and current interest rates. The fastest way to get a real number is a free pre-qualification conversation — not a generic online calculator.
How fast can Coltrain close my loan?
As a broker with direct wholesale lender relationships, we typically close faster than big-bank timelines — and we're built to handle curveballs that come up mid-transaction without derailing your closing date.
Do you only work with Long Island buyers?
Long Island is home base, but Coltrain Mortgage is also licensed to lend in New Jersey, Pennsylvania, and Florida.
Your home is closer than you think.
No pressure, no obligation — just a clear answer from a local loan officer who actually picks up the phone.