Manhattan is a market unto itself - pre-war co-ops on the Upper West Side, new condos in the Financial District, brownstones in Harlem and Washington Heights. Board packages, non-warrantable buildings, jumbo math - Brian handles the whole spectrum. Different borough, same promise: the lender who actually answers.
A pre-war co-op on the UES underwrites nothing like a new-development condo downtown, and a Washington Heights brownstone is its own animal. Brian knows which program moves fastest in each - and where the deals actually get done. Find your neighborhood below.
Classic pre-war co-ops with strict board packages. Brian knows the underwriters who move on UES co-op files without a fuss.
Talk Upper East Side with Brian →Large-layout co-ops and condos for growing families. Complex packages structured cleanly so boards approve on the first pass.
Talk Upper West Side with Brian →One- to four-family brownstones and modern condos. House-hack math, rehab plays and end-loan financing done right.
Talk Harlem with Brian →One of Manhattan's last true value plays. Brian gets Washington Heights buyers cleared fast on co-op and condo purchases alike.
Talk Washington Heights with Brian →New-development and boutique condos, warrantable or not. Jumbo and portfolio options when the standard box doesn't fit.
Talk Chelsea with Brian →Small co-ops and pre-war condos with quirky financials. Brian navigates the underwriter conversations these buildings require.
Talk East Village with Brian →Post-conversion and new-build condo towers. Non-warrantable? Sponsor unit? Brian has a lender for it.
Talk Financial District with Brian →Manhattan's northern frontier, with co-ops and small multi-families still within reach. Fast pre-approvals for competitive offers.
Talk Inwood with Brian →Manhattan trades mostly in co-ops and condos, and the details matter: boards, building financials, condops, and buyers whose income or credit doesn't come in a standard package.
Best for the bulk of Manhattan listings
A co-op is shares in a corporation, so it needs a lender comfortable with co-op share loans and the building's board and financials. Brian builds the board package and approval into the timeline from day one, so it doesn't blindside you.
See co-op details →Best for flexibility and newer buildings
A condo underwrites more like a house, with a project review instead of a board, and generally fewer restrictions. That flexibility often comes at a higher price, so we weigh it against your goals up front.
See condo details →Best when a building bends the rules
A condop is legally a co-op that runs with condo-like flexibility. They can absolutely be financed. The trick is reading how the specific building is set up, which we do before you commit.
See financing options →Best when tax returns don't tell the whole story
If your returns show enough, conventional works. If they don't, bank-statement programs can qualify you on your actual deposits instead. Hand-quoted, because the fit depends on your full picture.
See bank-statement details →Best without traditional U.S. credit
There are real programs for buyers who don't have standard U.S. credit or income documentation, and Manhattan sees a lot of them. These are quoted case by case on your specific situation.
See foreign-national details →Best for rental and pied-a-terre purchases
A DSCR loan can qualify on the rent the property brings in rather than your personal income, which keeps investor deals clean. Quoted on the specific property.
See investor details →Here in co-op country, the board is the step that makes or breaks your timeline.
Before you tour anything, we set your real numbers. Often same day or next. In this market, a real pre-approval is non-negotiable.
Co-op, condo and condop each finance differently, so we identify the structure and the right program before you make an offer.
Under contract, we turn the pre-approval into a full application and start gathering what the building will want to see.
This is the Manhattan step that decides your timeline. Co-op boards require a detailed package and approval, sometimes an interview. We build it from the start, so it's organized, not frantic.
The lender confirms value and reviews the condo project or the co-op's financials. We line this up early so nothing stalls at the end.
Underwriting verifies the full file, and once you're cleared to close, we walk the numbers together, you sign, and it's yours.
This isn't a lender parachuting in from upstate. Brian's in Manhattan often, understands what makes financing here different - co-op boards, jumbo pricing, non-warrantable condos, complex income packages. When your agent needs a lender who gets it, that's the whole point.