Ready to buy your dream home? Start your purchase journey today with competitive rates and expert guidance.
Lower your monthly payments or access your home equity with our refinancing options.
Access calculators, guides, and tools to help you make informed mortgage decisions.
Learn more about our company, explore career opportunities, and discover our impact on the mortgage industry.
Contact us for information about your loan or payment.
Rating: 5.0 out of 5.0 from Encompass I couldn't be more grateful to have Soni seth on my side for my very first house. She made it so easy for me to apply for mortgage and guide me thru out the proces. she's didnt just bec my mortgage broker but she's become a family member. I'd highly recommend Soni Seth for anyone out there who's looking for their firs... GauravBay Shore, NY Soni Seth
I couldn't be more grateful to have Soni seth on my side for my very first house. She made it so easy for me to apply for mortgage and guide me thru out the proces. she's didnt just bec my mortgage broker but she's become a family member. I'd highly recommend Soni Seth for anyone out there who's looking for their firs...
Rating: 5.0 out of 5.0 from Encompass Joe Ferraro at AnnieMac was outstanding to work with from start to finish. He kept everyone informed throughout the transaction, was always available to answer questions, and made the mortgage process smooth and stress-free for my client. His professionalism, responsiveness, and attention to detail helped us get to the closing a very difficult deal... KerriCoram, NY Joe Ferraro
Joe Ferraro at AnnieMac was outstanding to work with from start to finish. He kept everyone informed throughout the transaction, was always available to answer questions, and made the mortgage process smooth and stress-free for my client. His professionalism, responsiveness, and attention to detail helped us get to the closing a very difficult deal...
Rating: 5.0 out of 5.0 from Encompass Andrew is always available to answer any question needed at any time on any day. Very knowledgeabl, explains everything in detail so. Made this process very easy and seamless Dina A.Punta Gorda, FL Andrew Virga
Andrew is always available to answer any question needed at any time on any day. Very knowledgeabl, explains everything in detail so. Made this process very easy and seamless
Rating: 5.0 out of 5.0 from Encompass Soni helped us to close two houses. we appreciate her effort and hard work. 👍🏼 SuvraLevittown, NY Soni Seth
Soni helped us to close two houses. we appreciate her effort and hard work. 👍🏼
Rating: 5.0 out of 5.0 from Encompass Clear communication very the very beginning and honest support to achieve the goal. AlbertoBronxville, NY Carlos Santana
Clear communication very the very beginning and honest support to achieve the goal.
Rating: 5.0 out of 5.0 from Encompass Loan goes very smoothly Pretish KumarLevittown, NY Soni Seth
Loan goes very smoothly
Rating: 5.0 out of 5.0 from Encompass Lina is an excellent professional. She’s always willing to answer questions and provide 100% support throughout the entire process, from start to finish. She was always available to answer our questions and give us the support we needed in every aspect. She goes out of her way to ensure her clients are satisfied and understand the processes invol... Maria LauraDavie, FL Lina Pena
Lina is an excellent professional. She’s always willing to answer questions and provide 100% support throughout the entire process, from start to finish. She was always available to answer our questions and give us the support we needed in every aspect. She goes out of her way to ensure her clients are satisfied and understand the processes invol...
Rating: 5.0 out of 5.0 from Encompass I had a great experience , Juliana made the process very easy for us I recommend her 100 %. She is the best. Maria RamonaCopiague, NY Juliana Zarcone
I had a great experience , Juliana made the process very easy for us I recommend her 100 %. She is the best.
Rating: 5.0 out of 5.0 from Encompass Super profecional muy satisfecho, una gran experiencia, may Feliz 👏 Luis FelipeSunrise, FL Lina Pena
Super profecional muy satisfecho, una gran experiencia, may Feliz 👏
Rating: 5.0 out of 5.0 from Encompass Working with Juliana Zarcone was an outstanding experience from start to finish. She was knowledgeable and responsive, and she continuously provided me with updates regarding the status of the loan application. I will highly recommend her services to anyone looking for a reliable and dedicated mortgage broker. EliotCopiague, NY Juliana Zarcone
Working with Juliana Zarcone was an outstanding experience from start to finish. She was knowledgeable and responsive, and she continuously provided me with updates regarding the status of the loan application. I will highly recommend her services to anyone looking for a reliable and dedicated mortgage broker.
Rating: 5.0 out of 5.0 from FTP Patrick is great at explaining the process and answering any and all questions that come along the way. He was always reachable and detailed in his responses. He made the process smooth and it was greatly appreciated. Highly recommended! SchilliviaNorthport, NY Patrick Corby
Patrick is great at explaining the process and answering any and all questions that come along the way. He was always reachable and detailed in his responses. He made the process smooth and it was greatly appreciated. Highly recommended!
Rating: 5.0 out of 5.0 from FTP The process of searching and getting an accepted offer was a journey of its own and when we got an accepted offer we had to navigate the mortgage process. Patrick made the process very easy and was available to answer any of our questions and concerns. JonathanGlen Head, NY Patrick Corby
The process of searching and getting an accepted offer was a journey of its own and when we got an accepted offer we had to navigate the mortgage process. Patrick made the process very easy and was available to answer any of our questions and concerns.
Rating: 5.0 out of 5.0 from SFTP Always responded to my questions in a timely manner, always available was so easy to work with him. LisaBayville, NY Patrick Corby
Always responded to my questions in a timely manner, always available was so easy to work with him.
Rating: 5.0 out of 5.0 from Encompass Eventhough we had plenty of hurdles and at times it seemed like things would not go through for us, Joe and his team were able to get the loan closed on time. Dominick GHampton, NJ Joe Ferraro
Eventhough we had plenty of hurdles and at times it seemed like things would not go through for us, Joe and his team were able to get the loan closed on time.
Rating: 5.0 out of 5.0 from Encompass Jeff was great to work with and helped guide us along the process. He was on top of making updates and changes when timelines were extremely tight. We appreciated working along side him throughout the process. KyleEast Northport, NY Jeffrey Scollo
Jeff was great to work with and helped guide us along the process. He was on top of making updates and changes when timelines were extremely tight. We appreciated working along side him throughout the process.
Rating: 5.0 out of 5.0 from Encompass Jeff's patience, professionalism, communication combined with the Annie Mac capability to make a deal work and a loan happen. Kimberly REast Northport, NY Jeffrey Scollo
Jeff's patience, professionalism, communication combined with the Annie Mac capability to make a deal work and a loan happen.
Rating: 5.0 out of 5.0 from Encompass " Friendly and professional. Carlos Santana, we thank you very much. JaimeBrentwood, NY Carlos Santana
" Friendly and professional. Carlos Santana, we thank you very much.
Rating: 5.0 out of 5.0 from Encompass Always available to answer any questions we had and provided prompt updates throughout the mortgage process AlexisEast Northport, NY Jeffrey Scollo
Always available to answer any questions we had and provided prompt updates throughout the mortgage process
Rating: 5.0 out of 5.0 from Encompass I’m truly grateful for the outstanding work and professionalism demonstrated throughout the entire process. Chris Moran and his team raised the bar in every way — their communication, attention to detail, and commitment to quality made everything feel seamless and stress‑free. I deeply appreciate the care they put into their work. Thank you! PhillipEast Islip, NY Christopher Moran
I’m truly grateful for the outstanding work and professionalism demonstrated throughout the entire process. Chris Moran and his team raised the bar in every way — their communication, attention to detail, and commitment to quality made everything feel seamless and stress‑free. I deeply appreciate the care they put into their work. Thank you!
Rating: 5.0 out of 5.0 from Encompass Andrew and team are the best - highly recommend . RyanEast Northport, NY Andrew Virga
Andrew and team are the best - highly recommend .
Rating: 5.0 out of 5.0 from Encompass Chris was always available for us. He eased our concerns and made the process smooth. JessicaEast Islip, NY Christopher Moran
Chris was always available for us. He eased our concerns and made the process smooth.
Rating: 5.0 out of 5.0 from Encompass We cannot say enough great things about Andrew Virga! From the very beginning of our home buying journey, Andrew was knowledgeable, responsive, and incredibly patient. He took the time to explain every detail, answer every question, and guide us through what can often be a stressful and overwhelming process. Andrew made everything feel seamless. He... JacquelineEast Northport, NY Andrew Virga
We cannot say enough great things about Andrew Virga! From the very beginning of our home buying journey, Andrew was knowledgeable, responsive, and incredibly patient. He took the time to explain every detail, answer every question, and guide us through what can often be a stressful and overwhelming process. Andrew made everything feel seamless. He...
Rating: 5.0 out of 5.0 from Encompass Joe and his team went OVER and beyond what was expected. They made what was seeming so impossible for my family and I- possible. I truly could not have done it without them. I owe it all to them! KayleeTroy, NY Joe Ferraro
Joe and his team went OVER and beyond what was expected. They made what was seeming so impossible for my family and I- possible. I truly could not have done it without them. I owe it all to them!
Rating: 5.0 out of 5.0 from Encompass We have been working with Chris for years and he always makes this process so smooth! His attention to detail and responsiveness is great and him and his team go above and beyond for their clients! Chris has an intuition of knowing what his clients need before we even ask! We will continue to work ... DanielPort St Lucie, FL Christopher Moran
We have been working with Chris for years and he always makes this process so smooth! His attention to detail and responsiveness is great and him and his team go above and beyond for their clients! Chris has an intuition of knowing what his clients need before we even ask! We will continue to work ...
Rating: 5.0 out of 5.0 from Encompass Josh always made time to answer even the silliest of questions. He was very communicative and a pleasure to work with! CindyMastic Beach, NY Joshua Grafer
Josh always made time to answer even the silliest of questions. He was very communicative and a pleasure to work with!
Rating: 5.0 out of 5.0 from Encompass Very responsive. Made it clear what was needed. Worked to get me cleared in a sudden time crunch. JesseRocky Point, NY Joshua Grafer
Very responsive. Made it clear what was needed. Worked to get me cleared in a sudden time crunch.
Rating: 5.0 out of 5.0 from Encompass I can't thank Josh and his team enough. They were always just a phone call or text away and kept me updated through every stage of the process. They genuinely cared about finding the best option for our financial situation, and they made the entire experience feel personalized and comfortable. AllisonFarmingdale, NY Joshua Grafer
I can't thank Josh and his team enough. They were always just a phone call or text away and kept me updated through every stage of the process. They genuinely cared about finding the best option for our financial situation, and they made the entire experience feel personalized and comfortable.
Rating: 5.0 out of 5.0 from Encompass Siempre estaban dispuestos ayudar en todo el proceso Rene A.Westbury, NY Lina Pena
Siempre estaban dispuestos ayudar en todo el proceso
Rating: 5.0 out of 5.0 from Encompass Christie Alotta was fantastic. As a first time home buyer I was extremely anxious, confused, and annoying. Christie was gracious, professional, understanding, and patient with me the entire time. I would 1000% recommend to anyone in need. Also just to add Brianna tapped in a few times to also assist and... BrittniMiddle Island, NY Christie Alotta
Christie Alotta was fantastic. As a first time home buyer I was extremely anxious, confused, and annoying. Christie was gracious, professional, understanding, and patient with me the entire time. I would 1000% recommend to anyone in need. Also just to add Brianna tapped in a few times to also assist and...
Rating: 5.0 out of 5.0 from Encompass Carlos. Carlos made it great. He was always calm and kept the focus on crossing that finish line to close. He was excellent. Definitely deserves a promotion. I would come back again just because he made the process so much easier. PhillipGoshen, NY Carlos Santana
Carlos. Carlos made it great. He was always calm and kept the focus on crossing that finish line to close. He was excellent. Definitely deserves a promotion. I would come back again just because he made the process so much easier.
Rating: 5.0 out of 5.0 from Zillow Anna was incredible. Always on top of everything, providing excellent advice. She couldn't have been more helpful. The closing process was easy, they came to us and it went very smoothly. I would recommend Anna and Interstate to anyone. RobertSan Tan Valley, AZ AnnaMaria Bonavita
Anna was incredible. Always on top of everything, providing excellent advice. She couldn't have been more helpful. The closing process was easy, they came to us and it went very smoothly. I would recommend Anna and Interstate to anyone.
Rating: 5.0 out of 5.0 from Zillow I recently worked with Mrs. Bonavita on a home refinance and was a pleasant experience. Mrs. Bonavita worked on my loan from start to end was extremely pleasant answers all questions and had our refinance close sooner than expected with a fantastic rate. I would highly recommend Mrs. Bonavita to anyone great customer service and such a pleasant p... Dcassar802Franklin Square, NY AnnaMaria Bonavita
I recently worked with Mrs. Bonavita on a home refinance and was a pleasant experience. Mrs. Bonavita worked on my loan from start to end was extremely pleasant answers all questions and had our refinance close sooner than expected with a fantastic rate. I would highly recommend Mrs. Bonavita to anyone great customer service and such a pleasant p...
Rating: 5.0 out of 5.0 from Zillow First time buyers and Anna Bonavita made it an amazing experience !!!! If it wasn't for her and this great company I most likely would have given up due to all the stress buying a home is. She taught me to much and explained every little detail. Thank you for getting me the best rate, Anna was so informative and was always there for all my question... Joanna DifioreNorth Bellmore, NY AnnaMaria Bonavita
First time buyers and Anna Bonavita made it an amazing experience !!!! If it wasn't for her and this great company I most likely would have given up due to all the stress buying a home is. She taught me to much and explained every little detail. Thank you for getting me the best rate, Anna was so informative and was always there for all my question...
Rating: 5.0 out of 5.0 from Encompass Every transaction with Christie is fabulous. Each tone i yhink she csnt can't outdo her detvicr from my kast transaction I am pleasantly surprised GinaPatchogue, NY Christie Alotta
Every transaction with Christie is fabulous. Each tone i yhink she csnt can't outdo her detvicr from my kast transaction I am pleasantly surprised
Rating: 5.0 out of 5.0 from Encompass Christie was so easy to work with. she was kind caring and just amazing KarenEast Patchogue, NY Christie Alotta
Christie was so easy to work with. she was kind caring and just amazing