Wholesale Mortgage Broker — NY · NJ · FL · CT

The Mortgage
You Deserve.
Not Just the One
Your Bank Offers.

Starr Mortgage Company provides wholesale lending with access to more loan programs, better terms, and personalized guidance across New York, New Jersey, Florida, and Connecticut.

Get Your 30-Minute Quote Explore Loan Programs
140+ Google Reviews
Est. 2004 No SSN Required
Why Clients Choose Starr

Trusted By Hundreds Across Four States

140+ Excellent Google Reviews

Consistently top-rated by clients across four states, with verified five-star feedback praising expertise, responsiveness, and real savings.

No SSN Required for a Quote

Get a real loan quote in as little as 30 minutes — no social security number, no hard credit pull, no pressure.

In Business Since 2004

Over two decades as a recognized benchmark in residential and commercial mortgage lending across the Northeast and Florida.

Wholesale Market Access

We tap the wholesale lending market to secure rates and loan programs beyond what any single retail bank can offer.

Multi-State Expertise

Licensed to serve borrowers in New York, New Jersey, Florida, and Connecticut with market-specific knowledge in each state.

Complex Loan Specialists

Foreign nationals, self-employed borrowers, condotel buyers, jumbo investors — we find solutions for situations others turn away.

140+
5-Star Reviews
20+
Years Experience
10+
Loan Programs
4
States Licensed
What Sets Us Apart

Built for Borrowers
Who Need More.

Retail banks offer one set of products. We access the wholesale market to bring you programs and terms most borrowers never see.

Quote in 30 Minutes — No SSN Required

Start your loan journey without a hard credit pull or social security number. Get real numbers, fast, with zero commitment.

Wholesale Access to Top Lenders

We work with numerous lenders to find competitive rates and terms that retail banks simply cannot offer on their own.

Specialized Loan Programs

From Foreign National loans to Condo-Hotel financing and No Income Verification options — solutions for situations other brokers can't handle.

Jumbo Loans Up to 95% With No PMI

Finance high-value properties using piggyback loan structures that eliminate private mortgage insurance without requiring 20% down.

Established Since 2004

Over two decades as a benchmark in residential and commercial mortgage lending, with a track record clients trust.

Plain-English Guidance, Start to Finish

Work directly with a knowledgeable broker who explains every option clearly and advocates for your best terms through closing.

Loan Programs

Solutions for Every
Borrower Situation.

Starr Mortgage offers one of the broadest loan portfolios in the region — conventional, specialty, and wholesale programs unavailable at retail banks.

Interest Only Mortgage Loans

Residential Mortgage Loans

Financing for primary residences, second homes, and investment properties with competitive wholesale rates.

Commercial Mortgages

We originate and close commercial mortgages of all sizes — complex transactions handled with expertise.

Interest Only Mortgage Loans

Lower monthly obligations with no prepayment penalty — available for NY condos, co-ops, and Florida properties.

Foreign National Loans

Specialized programs for non-US residents with no US credit history or SSN — available in FL, NY, and NJ.

No Income Verification / SIVA Loans

For borrowers with verified assets who cannot document traditional income — including owner-occupied properties.

Stated Income Loans

Built for self-employed borrowers, with up to 80% LTV available for primary and secondary homes.

Condo Hotel Financing (Condo-Tel)

Financing within and outside Fannie/Freddie guidelines, plus non-warrantable condo solutions.

Jumbo Mortgage Loans

Large loan amounts for high-value properties — including piggyback structures up to 95% with no PMI.

FHA, VA & Government-Backed Loans

Accessible federal loan programs for qualifying buyers, paired with broker expertise for the most favorable terms.

Refinancing, Construction & Specialty Loans

Rate/term & cash-out refinancing, construction-to-permanent, 1031 exchanges, reverse mortgages, SBA loans, and home equity solutions.

About Starr Mortgage

A Benchmark in Mortgage
Since 2004.

Established in 2004, Starr Mortgage Company, Inc. has built a reputation as a benchmark in the residential and commercial mortgage industry. Based in Nyack, New York, we provide wholesale mortgage lending across New York, New Jersey, Florida, and Connecticut — giving borrowers access to loan programs and rates that traditional banks simply cannot match.

What sets Starr Mortgage apart is the breadth of our loan portfolio and the expertise behind every transaction. From conventional and FHA loans to complex structures like Foreign National financing, Condo-Hotel mortgages, No Income Verification programs, and jumbo piggyback loans up to 95% with no PMI — we specialize in finding solutions for situations other brokers walk away from.

Our approach is built on three commitments: personalized service, transparent communication, and relentless advocacy for the best terms on your behalf. Backed by over 140 five-star Google reviews, our team takes the time to explain every option in plain language and stays engaged from initial consultation all the way through closing.

Licensed in

New York New Jersey Florida Connecticut
Best mortgage lenders NYC
Stated Income Loans
20+
Years of
Excellence
Our Process

From Quote to Close —
Clear Every Step.

1

Request Your Quick Quote

Submit a simple loan inquiry — no social security number required. Receive your quote in as little as 30 minutes.

2

Loan Consultation & Program Match

Discuss your goals with an expert who will identify the best-fit loan programs from our broad portfolio of conventional, specialty, and wholesale options.

3

Application & Document Guidance

We walk you through every required document and step, keeping the process clear and reducing the stress of paperwork and lender requirements.

4

Approval & Strategic Rate Lock

Once approved, we work to secure the most competitive rate available and lock it in before market conditions change.

5

Clear to Close

We follow up on every detail — appraisals, conditions, and timelines — to ensure your closing happens on time and on your terms.

Loan Types

Specialized Financing
For Every Need

SIVA Loan — Stated Income Verified Assets
Interest Only Mortgage Loans NY
Foreign National Loans
Client Testimonials

Real Words From
Real Clients.

140+ Reviews on Google

"Jon is incredible, knowledgeable, remarkable, talented and most of all experienced mortgage broker. He really cares about getting us the best terms for our loan. He worked with us diligently on our refinance which lead us into a debt free lifestyle."

J
Julia
Verified Google Review

"Jonathan Starr is awesome! From day one, he made the whole mortgage process smooth. He explained all the complicated stuff in plain English. One night I shot him an email at 1 AM and nope, Jonathan replied within minutes. Highly recommend!"

A
Andrey Demedetsky
Verified Google Review

"I found Jonathan after receiving my first bank disclosure with another broker. My closing cost estimate was over $5k more than what I was expecting. Jonathan reviewed my disclosures right away, said I wasn't getting a good deal, and offered better terms — saving me that money."

D
DanZ
Verified Google Review
Frequently Asked

Common Questions
Answered.

We offer an extensive range of loan programs including conventional, FHA, VA, jumbo, interest-only, foreign national, stated income, no income verification (SIVA), condo-hotel, construction-to-permanent, 1031 exchange, adjustable-rate, fixed-rate, commercial, reverse mortgage, SBA, and home equity loans — across New York, New Jersey, Florida, and Connecticut.

No. Our quick quote process does not require a social security number. You can explore your loan options and receive real numbers in about 30 minutes with no hard credit pull and no commitment required.

Yes. We offer stated income and no income verification loan programs specifically designed for self-employed borrowers and individuals with verified assets who cannot easily provide traditional income documentation.

Foreign National loans are mortgage programs for non-US residents who don't have a US credit history or social security number. We offer specialized foreign national programs in Florida, New York, and New Jersey, including options for limited credit or trade lines.

Yes. We offer jumbo loan financing up to 95% loan-to-value using piggyback (80/10/10) structures that combine a primary mortgage with a home equity loan or line of credit — eliminating the need for private mortgage insurance.

A mortgage broker like Starr Mortgage accesses the wholesale lending market and works with numerous lenders to find the best rates and terms for your specific situation. Banks can only offer their own products — we shop on your behalf to find programs and pricing you wouldn't find on your own.

We serve clients in New York (including New York City), New Jersey, Florida, and Connecticut, with our main office located in Nyack, New York.

Start Today

Your Best Mortgage
Is One Call Away.

No social security number required. No hard credit pull. Just a real quote in 30 minutes from a team that's been finding better terms for borrowers across New York, New Jersey, Florida, and Connecticut since 2004.

Call +1 (845) 348-3172 Email Us
Location

15 North Mill Street
Nyack, NY 10960

Get Directions →
Phone
+1 (845) 348-3172
Email
jstarr@starrfinancialgroup.com
Hours

Mon–Sun
9:00 AM – 5:00 PM