Licensed Mortgage Broker — Queens, Brooklyn & NYC

Your Keys.
Your Terms.
Your Timeline.

R & J Capital Group has funded over $150 million in home loans across the Tri-State area. With a 10-day average approval period and wholesale rates most banks can't match, we make homeownership happen — without the runaround.

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A+ Rated Broker
97% Satisfaction
20+ Years Experience
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$150M+
Funded
10 Day
Avg. Approval
97%
Satisfaction
20+ Years
NYC Experience
$150M+
In Loans Funded
97%
Customer Satisfaction
10
Day Avg. Approval
20+
Years of Experience
Why NYC Trusts Us

The R&J Difference

Licensed NYC Mortgage Broker

Fully licensed to operate in Queens, Brooklyn, Manhattan, and across New York — with the credibility and accountability that comes with it.

97% Customer Satisfaction

Our near-perfect satisfaction rate reflects a process built on honest communication, fast execution, and loans that actually work for our clients.

Wholesale Rates, Not Retail

We access wholesale lending rates from a broad network of lenders — savings that go directly into your pocket, not ours.

20+ Years in the Tri-State

Decades of local market expertise mean we understand New York real estate in a way that national lenders simply don't.

$150M+ in Loans Funded

A proven track record of closing loans for borrowers across the full credit and income spectrum — with results that speak for themselves.

Loan Products

Every Loan.
Every Borrower.

Whether you're a first-time buyer, a veteran, self-employed, or dealing with credit challenges — we have a loan product designed for your situation. No runaround. No rejection without a conversation.

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Home Purchase Loans

Whether it's your first property or your next investment, we match you with the right loan structure and rate to close with confidence.

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Mortgage Refinancing

Unlock better rates, lower monthly payments, or tap your home equity — we'll show you if now is the right time to refinance.

FHA Loans

Low down payment options backed by the Federal Housing Administration, ideal for buyers who want to enter the market sooner.

First-Time Homebuyer Programs

Navigating your first mortgage doesn't have to be intimidating. We walk you through every step and find programs designed for new buyers.

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VA Loans for Military & Veterans

Serving those who served — we help active-duty military and veterans access the VA loan benefits they've earned.

Bad Credit Loans

Your credit score doesn't have to be your ceiling. We work with lenders who look at the full picture, not just a number.

Non-QM Loans

For self-employed borrowers, investors, or those with non-traditional income — our non-qualified mortgage options open doors conventional loans close.

No Income Verification Loans

When standard documentation doesn't tell your full financial story, we have flexible loan products that fit how you actually earn.

How It Works

Home Loans
Simplified.

01

Tell Us About Yourself

Start with a quick conversation or quote request. We learn your goals — no pressure, no obligation.

02

Choose Your Loan Plan

We present tailored loan options — comparing rates and terms across our lender network so you decide with confidence.

03

Get Approved Fast

With a 10-day average approval period, our team moves quickly and keeps you informed at every stage.

04

Get Your Loan & Your Keys

We handle the complexity. Once approved, we see your loan through to a smooth, on-time closing.

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Our Advantage

Built to Perform.
Proven to Deliver.

$150 Million Funded

We've put over $150 million to work for homebuyers and homeowners across New York and the Tri-State area.

10-Day Avg. Approval

Our streamlined process means you spend less time waiting and more time planning your move.

97% Customer Satisfaction

Nearly every client walks away satisfied — a track record built on transparency, speed, and real results.

Over 20 Years of Experience

Two decades of navigating NYC's complex real estate market means we've seen it all — and closed it all.

Wholesale Rates

As a broker, we access low wholesale rates from multiple lenders so you get competitive pricing retail banks rarely offer.

A+ Rated Broker

Our reputation is built on honest guidance, fast closings, and loans that are stable and affordable for the long haul.

Our Story

NYC's Mortgage
Professionals.

R & J Capital Group, LLC was built on one belief: getting a home loan in New York City shouldn't be a battle. For over 20 years, our team of dedicated mortgage professionals has been guiding buyers, owners, and investors through the Tri-State area's dynamic real estate landscape — from Queens and Brooklyn to Manhattan and well beyond.

We're not a bank with a script. As a licensed mortgage broker, we work for you — sourcing low wholesale rates from a wide network of lenders, tailoring loan structures to real financial situations, and fighting for approvals that other brokers pass on.

More than $150 million funded. A 97% customer satisfaction rate. And a community we're proud to call home. That's the R & J Capital difference — experienced, accessible, and relentlessly committed to helping you afford the home of your dreams.

Call Us: 855-355-7696 Get Free Quote
R&J Capital Group
Licensed Mortgage Broker — New York
$150M+
Funded to Date
97%
Satisfaction Rate
20+
Years Experience
10 Day
Avg. Approval
Serving
Queens Brooklyn Manhattan Tri-State Area New Jersey Connecticut
Common Questions

Answers You
Actually Need.

We serve Queens, Brooklyn, Manhattan, and the greater NYC metro area, as well as the broader Tri-State region. If you're purchasing or refinancing in New York and surrounding areas, we can help.

We work with a wide range of borrowers — first-time homebuyers, repeat buyers, veterans, self-employed individuals, those with less-than-perfect credit, and investors. Our diverse loan product portfolio means we rarely have to say no.

Our average loan approval period is 10 days. While every situation is unique, our streamlined process and experienced team are designed to move fast without cutting corners.

As a mortgage broker, we're not limited to one lender's products. We shop your loan across multiple wholesale lenders to find the best rate and terms for your situation — something a single bank simply can't do.

Yes. We specialize in loan options for borrowers with credit challenges, including Non-QM and alternative documentation loans. Your credit score is part of the picture, not the whole story.

A Non-Qualified Mortgage (Non-QM) is a loan that falls outside standard Fannie Mae/Freddie Mac guidelines. These products are ideal for self-employed borrowers, investors, or those with non-traditional income who don't fit conventional lending boxes.

Absolutely. Whether you want to lower your rate, reduce your monthly payment, shorten your loan term, or access your home equity, we'll help you evaluate your refinancing options and determine if now is the right time.

Call us at (855) 355-7696 or use our online quote tool. We'll have an initial conversation, assess your goals, and outline the best path forward — at no cost to you.

Ready to Move Forward?

Your Dream Home
Is One Call Away.

Over 20 years. $150 million funded. Let our team of dedicated NYC mortgage professionals make your next move the easiest one you've ever made.

📞 Call 855-355-7696 Email Us Today
Phone
(855) 355-7696
Email
info@getmemortgage.com
Location
New York City, NY
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