The Most Complex Mortgage Market in America
New York City's housing market is unlike anywhere else in the country. Co-ops dominate the Manhattan landscape and require an entirely different financing approach than conventional condos or single-family homes — including co-op board approval, specific reserve requirements, and lenders who understand the product. Jason navigates these deals regularly.
Much of New York's high-earning population — finance professionals, attorneys, media executives, and tech workers — has income that doesn't fit neatly on a pay stub. Bonuses, equity compensation, partnership distributions, and seasonal self-employment all require careful documentation and a lender who knows how to present the full financial picture.
Outside of the city, markets like Long Island, Westchester, the Hudson Valley, and the Hamptons offer their own financing nuances. Jason's experience across high-value and complex loan scenarios makes him the right broker for New York buyers at every price point.
New York Home Loan Options
From NYC co-ops to upstate single-family homes — Jason has programs for every type of New York buyer.
Conventional Loans
Standard conforming and high-balance conventional financing for New York primary residences, co-ops, condos, and investment properties.
VA Loans
Zero-down financing for veterans and service members purchasing in New York. Available for single-family homes, condos, and qualifying multi-unit properties.
FHA Loans
Government-backed loans with 3.5% down. A strong entry point for first-time buyers in upstate New York markets like Albany, Buffalo, and Rochester.
Jumbo Loans
New York City and Long Island regularly see home prices well above conforming limits. Jason specializes in jumbo financing for high-value purchases in metro NY and Westchester.
Refinance
Rate-and-term or cash-out refinance. Access your New York home equity or reduce your payment — Jason shops multiple lenders to find the best deal.
Self-Employed Programs
New York's economy includes a large base of self-employed professionals — finance, law, media, tech, and the arts. Bank statement loans provide an alternative path to qualification.
New York Mortgage Questions
Who is the best mortgage broker in New York?
Jason Seibel (NMLS #171895) is a Five Star Professional mortgage broker who specializes in the kinds of complex loan situations that New York borrowers frequently face — co-op financing, jumbo loans, irregular income, and high-value condo purchases. With 20+ years of experience and direct personal service, Jason delivers where big bank mortgage departments routinely fail.
How do co-op loans work in New York City?
Co-ops are unique to New York and require a different approach than standard condo or house financing. Rather than taking a mortgage on real property, you're borrowing to purchase shares in a cooperative corporation. Co-op boards have approval rights over buyers, and buildings have their own financial requirements. Jason is experienced in navigating the NYC co-op process and finding lenders who specialize in co-op financing.
What are the conforming loan limits in New York?
In most New York counties, the 2024 conforming loan limit is $766,550. However, in high-cost areas including New York City (all five boroughs), Long Island (Nassau and Suffolk counties), and Westchester County, the limit is $1,149,825. Loans above these limits require jumbo financing — a category where Jason has substantial experience.
Can I get a mortgage in New York if I have complex or variable income?
Yes. New York's economy includes a large proportion of high earners with complex income structures — bonuses, commissions, RSUs, partnership distributions, and self-employment income. Jason uses forensic accounting expertise and alternative documentation programs to properly qualify borrowers whose income doesn't fit neatly into a W-2 box.
Ready for Your New York Home Loan?
Contact Jason directly for real answers about your New York mortgage — including co-op financing, jumbo loans, and complex income situations.