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) and No Doc loans up to 95%!

We also offer the SONYMA program currently at rate of 4.25%, with an Apr of 4.33% and cost per thousand of $4.92. 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!

We are first time home buyers best friends. We hold your hand through the entire process. Our level of service is unmatched in the industry. Please let us help you fire your landlord and achieve the American dream of home ownership.

We are approved by Fannie Mae, Freddie Mac, Federal Housing Administration, Veterans Administration, and the State of New York Mortgage Agency. We utilize the cutting edge in technology to approve loans as fast as 24 hours. We can now approve loans using these technologies that would normally be rejected.

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.

Click on any link to the right to learn more about our many programs.

Affordabe Housing Right
in your Backyard!