New York Home Loans

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You Make An Informed Decision About
New York Real Estate & Mortgage Financing

Dear Future Homeowner,

My name is Nikitas Kouimanis and I want to thank you for taking the time to visit my website. I guarantee you'll find plenty of helpful information to assist you in purchasing your new home or refinancing your current New York home loan. I am a New York mortgage consultant, serving all of New York, and the surrounding communities.

FREE Home Buying Guide Reveals Insider Tips Other Mortgage Brokers Don't Want You To Know...
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Purchasing a home is most likely the largest financial transaction of your life. Unfortunately, most people enter into this transaction blindly and make mistakes that may cost them tens of thousands of dollars over the lifetime of their loan.

Although sharing these secrets may not make me popular with the other New York mortgage lenders, I am more concerned that you have all the information you need to make an informed decision when shopping for a mortgage. So, I have created a free guide that contains extremely valuable information designed to help you avoid costly mistakes when navigating the mortgage loan process.

To receive this free guide and other home buying tips, simply fill out the fields below and I will send you your first insider secret by email immediately.


New York Home Loans

If you're planning to buy your next home, your first home, that dream home, a condo, vacation home, investment property or looking for New York home loans, you will find that this site is a complete resource full of insider secrets that will allow you to choose the New York mortgage program best suited to your financial needs.

New York Mortgages

I make it fast and easy for all kinds of people-including first-time homebuyers, small business owners, and homebuyers with perfect or less-than-perfect credit to get the New York home loan you need for the home you want.

New York Real Estate

Make sure you register to receive my Free Homebuying Guide and Insider Mortgage Reports, browse my Resources section, fill-out a FREE No-Obligation Secure Online Loan Application, or call me in my office at 516 469 6262. I am here to help you with all your New York home loan needs.

Got a Quick Real Estate or Mortgage Question?

Click the "Ask A Question" button below to send us a message by email or feel free to call my office at 516 469 6262.

New York Home Loans - New York Mortgages, New York Real Estate

Before you leave, make sure you review the New York Home Loan Buying Resources, Insider Reports and New York Mortgage Calculators. All are designed to help guide you through the home buying process so you avoid making costly mistakes.

New York Real Estate Reports:

Below, I have included an example of one of our FREE reports that can help you understand credit scores:

To have the best chance of improving your credit score you will need to have a good understanding of how it is calculated as that will help you to decide on the actions you need to take.

A credit score is a numerical calculation based on a number of factors that helps New York mortgage lenders decide whether you are a risk to lend money to for your New York home loan.

The numbers generally range from 300 to 850 and allow lenders to see how well you are at paying off your debts.

The higher this number is the more likely you are to get credit for your mortgage loan and you will also usually get it at lower interest rates because of the fact that you will be regarded as a lower risk for repayment.

If your score falls below 600 you will probably have trouble getting credit for New York real estate and if you do you will be expected to pay higher mortgage rates due to the risk involved.

Scores over 720 are regarded as excellent and you can expect to get good New York loan rates.

This is just a guideline as some mortgage lenders place more importance on credit scores than others and while you might have difficulty getting credit with one lending institution that is not to say you will have difficulty with all of them.

Often you can discuss your situation with the New York lender even when you have a low score and still get them to finance you at reasonable rates.

Sometimes they will look at your whole credit history and take that into account rather than just the current poor score.

Your credit score comes from the calculations that are determined by the credit bureaus and are based on mathematical data that is arrived at from your credit report information that is supplied to the bureaus from people who have lent you money and from people you owe payment of bills to.

Whichever New York mortgage broker you decide to work with, you should be able to receive a copy of your credit report from them to review and check for any errors.

You have the right, under the Fair Credit Reporting Act, to dispute the completeness and accuracy of information in your credit file.

If you have had credit problems, be prepared to discuss them honestly with your New York mortgage professional and come to your application meeting with any necessary written explanations.

Responsible New York mortgage professionals know there can be legitimate reasons for credit problems, such as unemployment, illness or other financial difficulties.

They should be there to help you get your home loan. 

For a free no-obligation consultation regarding your credit or any other mortgage or real estate questions, please don't hesitate to call me at 516 469 6262.

We service clients statewide, including every city and town in New York. 
New York Real Estate |New York Home Loan | New York Home Loans | New York Mortgage


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Daniel & Glenda Frooks – Westbury, NY  November 19th 2013

Hi Nik;
I just wanted to thank you for helping Daniel and I obtain a mortgage on our home. We greatly appreciate the remarkable customer service rendered by you. In addition, your knowledge in the mortgage field was very educational and went a long way in this process.  Your hard work and perseverance was really appreciated in light of our stressful situation.  I would highly recommend you to my family and friends if they ever have any mortgage needs or concerns.  Once again thank you for all of your efforts in this matter.
Best of luck!
Peter Pappas – Syosset, NY

I have known Nikitas for a bit less than a year now.  After hundreds of email exchanges, I can pretty much assure you that he has been nothing short of spectacular. I would recommend Nikitas over & over to anyone. Thank you so much for your professionalism & caring throughout this refinance/closing process.

Rachel Graczak - St. Louis, MO  May 23, 2012

To Whom It May Concern: 

This Christmas I received a great gift, a refinanced home.  A couple of years ago I received a similar gift when my brother helped me to remove my ex-husband’s name from my home loan with a refinanced loan, but this year he was unable to help me so he recommended Nikitas
 Nikitas has been nothing but professional and very helpful from the first moment with the filling out of the initial paperwork until the final refund of my escrow account with my former lender.
Nikitas kept me updated with all the ins and outs of my loan and was even available for me at odd hours due to my crazy work and training schedule.
Though we have never formally met in person (I am in Missouri and he is in New York), I feel like he took the time necessary to work with me and with my previous lender to square away the best deal for me. 
I am very satisfied and have already recommended his services to my friends that are looking to refinance.
Lynne Miscedra – Hyde Park, NY

Very happy with my refinance. Nikitas Kouimanis was very helpful, professional, etc. to work with. I would recommend working with Nikitas to have a smooth transaction. What he quoted me is exactly what was on the paper work. The attorney that closed the deal was also very helpful in explaining the process.
Arthur Aranda -  October 13th 2013

For several years I have had the pleasure of working with Nikitas as his account executive for my bank. During this relationship I have always found him to be very knowledgeable and dedicated. He has a very good understanding of the entire mortgage origination process from application to closing.