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.
Proudly serving clients across NY, CT, DE, FL, NJ, PA
Soni has completed her graduation in Accounting and Finance at the London School of Economics with full scholarship throughout the 3 years. She then worked for Deutsche Bank, London in 2009 where she worked with high profile clients in the rates and credit department. Her clients loved her for being so hard working, sincere and result oriented.
In 2013 Soni got married and moved to Guangzhou, China and worked with her husband in the Trading business. She managed a team of 8 people and also learnt basic mandarin to run their business with clients all over USA and UK. In 2015 Soni moved from China to New York, and started working as a Loan Processor. She has since closed numerous loans under 40 days with clients and lenders being very impressed by her attention to detail and fast pace in getting the loans closed.
With her strong background in finance and banking she decided to be a Mortgage Loan Officer and got her MLO license. Soni is personable and very knowledgeable. She is committed to working with clients to ensure a smooth process from initial pre-qualification and mortgage evaluation to closing.
Her way of handling her client’s home financing needs are invaluable to her clients. She is beyond committed and is available 24/ 7 for her clients. She brings an extraordinary combination of a strong banking background, leadership skills, hard work ethic and an extremely vibrant personality. Soni’s goal is simple. She wants to offer her customers outstanding service and the best mortgage program to suit their needs.
She is also multi-lingual with the benefit of speaking English, Hindi, and Punjabi. She currently works with Annie Mac Home Mortgage. Annie Mac is known to be amongst the top lenders that can help first time home buyers with Down Payment assistance as well as innovate programs such as Cash2Keys. Annie Mac is a Fannie Mae, Freddie Mac and Ginnie Mae issuer and offers a wide range of mortgage products.
Rating: 4.7 out of 5.0 from Encompass Professional, very responsive and always available to answer my questions and keep me informed. Soni and Mitan made the mortgage process smooth and stress-free from start to finish. AidaLevittown, NY Sep 18
Professional, very responsive and always available to answer my questions and keep me informed. Soni and Mitan made the mortgage process smooth and stress-free from start to finish.
Rating: 5.0 out of 5.0 from Encompass Best rate, very thorough and always approachable. Riya MaryFarmingdale, NY Sep 14
Best rate, very thorough and always approachable.
Rating: 5.0 out of 5.0 from Encompass You guys explained everything step by step JerrilFarmingdale, NY Sep 11
You guys explained everything step by step
Rating: 4.7 out of 5.0 from Encompass Timing and interest rates BijiFarmingdale, NY Sep 11
Timing and interest rates
Rating: 5.0 out of 5.0 from Encompass I highly recommend them to anyone looking to purchase a home. Thank you for making my home-buying experience a smooth and positive one! thank you 🙏🏽 Sony & team. JulioLevittown, NY Sep 09
I highly recommend them to anyone looking to purchase a home. Thank you for making my home-buying experience a smooth and positive one! thank you 🙏🏽 Sony & team.
Rating: 5.0 out of 5.0 from Zillow Highly recommend Soni Seth! She handled my loan process with extreme professionalism from pre-approval to closing. Buying a home can be a lengthy and stressful process, but Soni took care of every detail so I didn't have to worry at all. On top of her excellent communication, she got me the lowest possible rate for my loan. Thank you, Soni! DivakarPlainview, NY Sep 07
Highly recommend Soni Seth! She handled my loan process with extreme professionalism from pre-approval to closing. Buying a home can be a lengthy and stressful process, but Soni took care of every detail so I didn't have to worry at all. On top of her excellent communication, she got me the lowest possible rate for my loan. Thank you, Soni!
Rating: 5.0 out of 5.0 from Zillow Soni helped me with everything. She was so thorough and exactly knew what she was doing. We have contacted many lenders but they gave us the best rate. Soni was available to talk and very approachable. I am so grateful I chose them. RiyaFarmingdale, NY Sep 03
Soni helped me with everything. She was so thorough and exactly knew what she was doing. We have contacted many lenders but they gave us the best rate. Soni was available to talk and very approachable. I am so grateful I chose them.
Rating: 5.0 out of 5.0 from Encompass Soni and Mitan are a great duo! They were extremely helpful and supportive throughout the entire process. Their professionalism, communication, and dedication made everything smooth and stress-free. Neil KomalLynbrook, NY Aug 28
Soni and Mitan are a great duo! They were extremely helpful and supportive throughout the entire process. Their professionalism, communication, and dedication made everything smooth and stress-free.
Rating: 5.0 out of 5.0 from Zillow I had a fantastic experience working with Soni Seth! She was professional, highly knowledgeable, and extremely responsive throughout our entire mortgage process. She made everything smooth and stress-free. I highly recommend her to anyone buying a home!" PriyaMount Sinai, NY Aug 28
I had a fantastic experience working with Soni Seth! She was professional, highly knowledgeable, and extremely responsive throughout our entire mortgage process. She made everything smooth and stress-free. I highly recommend her to anyone buying a home!"
Rating: 5.0 out of 5.0 from Encompass Soni and her team are patient, informed, and communicative. Soni is an absolute delight to work with throughout the process! KyleNorthport, NY Aug 24
Soni and her team are patient, informed, and communicative. Soni is an absolute delight to work with throughout the process!
Rating: 5.0 out of 5.0 from Encompass It was great having Soni and mitan do to my mortgage.they both are excellen and know what the they are doing and got my mortgage through without a hassle. I will go back to them and recommend them to my family and friends. NaguleswaranDeer Park, NY Aug 21
It was great having Soni and mitan do to my mortgage.they both are excellen and know what the they are doing and got my mortgage through without a hassle. I will go back to them and recommend them to my family and friends.
Rating: 5.0 out of 5.0 from Encompass Soni and Mitan were so helpful, so responsive and wonderful to work with. They answered all of our questions in a timely manner and were very patient with our questions. I'd highly recommend their services! JoelleNorthport, NY Aug 21
Soni and Mitan were so helpful, so responsive and wonderful to work with. They answered all of our questions in a timely manner and were very patient with our questions. I'd highly recommend their services!
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 Aug 01
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 Soni helped us to close two houses. we appreciate her effort and hard work. 👍🏼 SuvraLevittown, NY Jul 30
Soni helped us to close two houses. we appreciate her effort and hard work. 👍🏼
Rating: 5.0 out of 5.0 from Encompass Loan goes very smoothly Pretish KumarLevittown, NY Jul 27
Loan goes very smoothly
Rating: 5.0 out of 5.0 from Encompass Soni was very helpful and was always a call away and made sure to get it done. AbinayaEast Meadow, NY Jul 23
Soni was very helpful and was always a call away and made sure to get it done.
Rating: 4.8 out of 5.0 from Encompass Soni and team were great to work with. They put a human touch on a tedious process, and were flexible and responsive. SamanthaBellmore, NY Jul 15
Soni and team were great to work with. They put a human touch on a tedious process, and were flexible and responsive.
Rating: 5.0 out of 5.0 from Encompass This is the second time soni did my loan she is very good MutasamHuntington, NY Jul 07
This is the second time soni did my loan she is very good
Rating: 5.0 out of 5.0 from Encompass Soni was excellent every step of the process. She responded within minutes every time I had a question and she was great in communicating with sellers and their realtors as well. Highly highly recommend! TylerKings Park, NY Jun 25
Soni was excellent every step of the process. She responded within minutes every time I had a question and she was great in communicating with sellers and their realtors as well. Highly highly recommend!
Rating: 5.0 out of 5.0 from Zillow I had an amazing time with her , she knew exactly what I was looking for , she helped me with my budget and my expectations. She’s simply amazing, I will definitely recommend her to my friends and families, Thank you soni for your seamless service. I’ll be forever grateful for you , thanks again !!!!! Prasha NagaPatchogue, NY Jun 24
I had an amazing time with her , she knew exactly what I was looking for , she helped me with my budget and my expectations. She’s simply amazing, I will definitely recommend her to my friends and families, Thank you soni for your seamless service. I’ll be forever grateful for you , thanks again !!!!!
Rating: 5.0 out of 5.0 from Encompass Soni and Mitan made the process so smooth for my clients. They were always available to answer all our questions and concerns. It was great pleasure working together. BalvinderSeaford, NY Jun 22
Soni and Mitan made the process so smooth for my clients. They were always available to answer all our questions and concerns. It was great pleasure working together.
Rating: 5.0 out of 5.0 from Encompass It was a great experience and wonderful journey from start to end . Every thing went smoothly and definitely I would love to work with Soni Seth again . Thanks !! Jasmeet SDeer Park, NY Jun 18
It was a great experience and wonderful journey from start to end . Every thing went smoothly and definitely I would love to work with Soni Seth again . Thanks !!
Rating: 5.0 out of 5.0 from Encompass I received excellent service, very fast response and guidance during whole loan process. I could communicate any time as per my convenience. They have great team of professionals.I got very good rate of interest. SurendraDeer Park, NY Jun 18
I received excellent service, very fast response and guidance during whole loan process. I could communicate any time as per my convenience. They have great team of professionals.I got very good rate of interest.
Rating: 5.0 out of 5.0 from Encompass Soni is extremely conscientious, excellant at communicating next steps and requirements and always responds timely to any questions or concerns! Thank you Soni! KathleenFreeport, NY Jun 11
Soni is extremely conscientious, excellant at communicating next steps and requirements and always responds timely to any questions or concerns! Thank you Soni!