1st Republic Mortgage Bankers, Inc.

1st Republic Mortgage Bankers is a direct lender, licensed by the New York, New Jersey, Connecticut, Florida, Georgia, Maine, South Carolina, Maryland, Pennsylvania, Delaware, and Colorado banking departments. We are approved by the Federal National Mortgage Association (FNMA), the Federal Housing Administration (FHA), Veterans Administration, Freddie Mac, and SONYMA.

We utilize the cutting edge in technology to provide superior service and results for the home buyers and home owners we give mortgages to. We approve many of our loans as quickly as one day.

We are large enough to offer the best programs and products, while providing a personalized level of service that is unmatched in the industry.

FIRST TIME HOME BUYERS
Our mission is to bring down the barriers to home ownership and to first time home buyers who have been disenfranchised by traditional banks. As a full service mortgage banker, we have mortgage programs with low down payments (3%) and the seller is allowed to pay all closing costs. Past credit problems are understood. We offer 100% financing (NO MONEY DOWN)! We also offer the SONYMA program. The lowest fixed rate available in New York State. 4 out of 10 tenants can qualify for a home with our special 1st time home buyer programs. We will bend over backwards to approve your loan. Remember, we are direct lenders!

HOME OWNERS
3 out of 10 home owners can save money by refinancing, consolidating debt, and home equity loans. Past credit problems are understood, no cash out of pocket required (you can finance all the closing costs). Do you want to know if you can save money? Check out our online refinance calculator or call us for a free consultation with no obligation. If you are paying over 8.5% you may be able to reduce your payments as much as $500 or more! If you have credit card debt, you can consolidate your debts to one low monthly payment (possibly tax deductible). We can show you the benefits of refinancing and a home equity loan side by side, and help you decide which fits your needs. Don't waste your hard earned money paying high rates. Take action! Find out how much money you can reduce your payments by.

Plus, everyone who closes with 1st Republic receives one of our exclusive Savings Cards. It allows you to save money at many of your local retailers as well as offer special promotions for other services. The Savings Card is just one more way 1st Republic strives to save you money.

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