Coltrain Mortgage HELOC Specialists ☎(631) 851-4420

Buy before you sell

For New York homeowners

Buy your next home before you sell this one.

Your current home's equity can cover the down payment on your next one. Make a stronger offer without a sale contingency, move once, and then sell on your own timeline.

  • Use today's equity for your next down payment
  • Make a stronger offer with no sale contingency
  • Move once, then sell when you're ready
5.0★★★★★900+ Google reviews NMLS #10640 · 20+ years lending in New York
✓
See your number in about 60 secondsOnline, on your schedule

See how much equity you can use

Free, no obligation. Takes about a minute.

Please fill in your name, phone and email.

🔒 Secure and private. We never sell your information.

Prefer to talk? Call (631) 851-4420

By submitting, you agree a Coltrain Mortgage loan officer may contact you by phone, text or email about your request. Message and data rates may apply. Consent is not a condition of any loan.

You're all set, !

is your HELOC specialist and will reach out .

Check my instant approval now → Takes about 60 seconds on our secure partner portal, AccessHELOC.
$750KLines up to $750K
90%Up to 90% combined loan-to-value
60 secTo see what you qualify for
900+Five-star Google reviews
The secure online HELOC application

How it works

Instant answer online. A real person to guide you.

  1. 1

    Tell us about you

    One short form. Your Coltrain specialist is assigned right away.

  2. 2

    See your approval online

    Check what you qualify for instantly on our secure portal. Income is verified digitally.

  3. 3

    Close in days

    We guide you through every step, in plain English, until the funds are ready.

Start in about 60 seconds →or call (631) 851-4420

Why move-up buyers use it

Move on your schedule, not the market's.

⏱

Win the house you want

Sellers favor offers that don't depend on selling another home first.

🛠

Skip moving twice

No short-term rental and no storage unit while you wait for your sale to close.

💳

Sell for the best price

List your current home after you move, staged and empty, without a deadline over your head.

See what I qualify for →or call (631) 851-4420

Turned down by your bank?

Retail banks have narrow rules. HELOCs are all we do.

If a bank said no, offered too little or is taking forever, a 60-second check here can tell a different story.

Typical bankColtrain HELOC
Time to decisionWeeksInstant online approval
AppraisalScheduled home visitNot needed in most cases
Income proofTax returns and pay stubsVerified digitally
Pay off debt to qualifyRarelyYes, at closing
Who helps youA call centerYour own local specialist
See if you qualify with us →or call (631) 851-4420

Your HELOC specialists

Based in Hauppauge, lending in New York for over 20 years.

Every request goes to one of our licensed loan officers in Hauppauge, never a call center.

Matthew BardramMatthew BardramLoan Officer · NMLS #864086
Jonathan BardramJonathan BardramLoan Officer · NMLS #61338
Thomas RussoThomas RussoLoan Officer · NMLS #68839
Derek AbelesDerek AbelesLoan Officer · NMLS #2065528
Talk to a HELOC specialist →or call (631) 851-4420

Questions

Straight answers before you start.

How does a HELOC work as a bridge loan?

You open a HELOC on your current home, use it for the down payment on the new one, and pay it off when your current home sells.

Do I need to sell my home first?

No. That is the point. The equity line is opened on the home you already own, before you list it.

Will I carry two mortgages?

For a short time you may, so your loan officer will review the numbers with you first to make sure the plan is comfortable.

How fast can it be ready?

You can see what you qualify for online in about 60 seconds, and many lines close in days, which fits tight purchase timelines.

About 60 seconds

See what your home equity can do.

Free and no obligation. Your Coltrain specialist will be with you the whole way.

See what I qualify for →
See what I qualify for →