Staten Island is New York's most suburban borough - single-family, two-family and townhouse country. Brian works the whole map, from St. George condos to Tottenville waterfronts. Different borough, same promise: the lender who actually answers.
A St. George condo underwrites nothing like a Todt Hill single-family, and a Tottenville waterfront is its own animal. Brian knows which program moves fastest in each - and where the deals actually get done. Find your neighborhood below.
Ferry-adjacent condos and townhouses. Non-warrantable and warrantable buildings both handled cleanly.
Talk St. George with Brian →Established single- and two-family blocks. Fast pre-approvals so buyers can move on the right listing.
Talk Great Kills with Brian →Waterfront single-family homes and new construction. Brian navigates flood-zone appraisals and jumbo pricing when they show up.
Talk Tottenville with Brian →A strong pocket for first-time buyers. Down-payment assistance paired with the right FHA or conventional loan.
Talk New Dorp with Brian →The island's luxury enclave. Jumbo and high-balance financing handled discreetly, from application to close.
Talk Todt Hill with Brian →Larger single-family homes for growing families. Move-up buyers, contingency strategies, clean approvals.
Talk Eltingville with Brian →Established move-up market with steady inventory. Brian structures contingent and non-contingent offers to compete.
Talk Annadale with Brian →Two-family houses that work well with FHA multi-unit programs. House-hack math done right.
Talk West Brighton with Brian →Staten Island is the borough with real single-family and townhome inventory, which opens up the low-down-payment programs the rest of the city rarely gets to use.
Best for first-time and lower-down buyers
With more single-family and townhome inventory here, FHA's low down payment and flexible credit go further than they can in the rest of the city. On an older home, we plan for property-standard items before you offer.
See FHA details →Best for veterans and service members
Staten Island has one of the larger veteran populations in the city, and VA offers no down payment and no monthly mortgage insurance. Same property standards as FHA, so we plan condition early.
See VA details →Best for stronger credit and homes in good shape
Conventional is the most forgiving on condition and often the cleanest path on a single-family or townhome that shows well. We match it to your credit and down payment.
See conventional details →Best when a tenant helps cover the payment
On an owner-occupied two-to-four family, a portion of the market rent can typically count toward your income. The appraiser completes a rent schedule, and how much counts varies by program.
See multi-family details →Best for lower-maintenance ownership
Staten Island has real condo inventory, which underwrites with a project review of the building. The right loan depends on the project's approval status, which we check up front.
See condo details →Best when a standard file doesn't fit
Self-employed? Bank-statement programs can qualify you on deposits instead of tax returns. Buying a rental? A DSCR loan can qualify on the property's rent. Both are hand-quoted to your situation.
See these options →The path here looks a lot like buying a house anywhere, with a building review if you're going the condo route.
Before you tour anything, we set your real numbers. Often same day or next. A real pre-approval is what lets you move when the right home shows up.
Single-family, two-to-four family and condo each finance differently, so we pick the program before you make an offer, including whether FHA, VA or conventional fits best.
Under contract, we turn the pre-approval into a full application. On a two-to-four family, this is where we build in the rent schedule so a portion of the rent can help you qualify.
The lender confirms value and, on government loans, condition. On an older home, this is where property standards can come up, so we plan for it. For a condo, the building gets a project review.
Underwriting verifies the full file, and once you're cleared to close, we walk the numbers together, you sign, and it's yours. No surprises at the table.
This isn't a lender parachuting in from upstate. Brian's in Staten Island regularly, gets what buyers face - large single-family homes, two-family conversions, jumbo pricing on Todt Hill, FHA-friendly starter houses. When your agent needs a lender who gets it, that's the whole point.