A Guide to Long Island, New York Home Mortgage Loan Programs
Buy the Home You Want
Whether you’ve nailed down the place you want to buy or you’re still looking, Reliant Home Funding will help get you through the door. We know that mortgages aren’t one-size-fits-all, and we’re committed to providing the best home loan for you.Get Started
I’m just researching
Utilize our calculator to see how much you might be able to borrow.Mortgage Calculator
I’m going to open houses
It’s probably time to look at loan programs. Check out the variety we offer.Current Loans
I’m making offers
Secure the right home loan for you. Apply now and our experts will get to work.Apply Now
1. Get instant customized rates
Every situation is different. Input your unique circumstances to see what customized interest rates we can offer you.Get My Rates
2. Apply simply & securely online
Ready to apply? Get the ball rolling with our simple and secure online application – it only takes a few minutes.Apply Now
3. Work with experts from start to finish
We’re experts so you don’t have to be. Our experienced team will guide you through the process from start to finish.Meet The Team
Where do I begin?
Whether you’re looking to buy or refinance, your first step is figuring out your budget. You can “Get Started” with us at the top right-hand corner of the page with a short questionnaire. Once complete, one of our loan advisors will contact you to talk about next steps. We look forward to hearing from you!
What do I need to get pre-approved for a home loan?
Pre-approval is a great way to narrow down what you can afford and will tell potential sellers that you are serious in purchasing a home. To get pre-approved, we look at your source of income, assets, debt-to-income ratio, and your credit score.
What if my credit score is average when applying for a loan?
While credit score is important, there may be a loan that will work for your financial situation. Check out our rate calculator or contact us directly for more information.
What is the debt-to-income ratio?
The DTI (Debt-to-Income Ratio) is the monthly amount you owe divided by the monthly gross amount you earn. The DTI is a way for lenders to review your debt and find the loans you qualify for.
What if I have student loans? Can I still apply for a mortgage loan?
Student loans are a form of debt and can affect your DTI ratio, but there are usually home loan options that will work depending on your financial situation. Contact us to find out!
What type of property can I purchase?
There are different options ranging from single family or multi-family homes, condominiums, and townhouses. Take a look around your area and let us know what you’re looking for so we can help with the loan!
Can I get a home loan fully remote or are there in-person steps?
Good news! The home loan process can be done remotely. We also offer RHF GO App for your smartphone so you can stay updated 24/7.
Our People Are Our Greatest Asset
Reliant Home Funding is a family-run business with a strong, valued team – not another nameless and faceless corporation.
Relationships > Transactions
We value changing people’s lives over the bottom line: our motivation and inspiration comes from helping clients into their dream homes.
Transparent & Consistent Pricing
With our highly responsive and knowledgeable loan officers, you’ll never be in the dark about your home loan process and pricing.
At Reliant Home Funding, it's not just business as usual, it's a community that builds a relationship and ensures that family members are cared for in the most professional yet friendly kind of way.
Great team! Courteous, kind, well-informed, and most importantly great at their jobs! The team is available and helpful with great insight and patience! Thank you Reliant for your above and beyond effort!
The entire team at Reliant Home Funding were amazing at getting our mortgage closed efficiently and on time. They worked overly hard for us and we couldn't be more satisfied. I would recommend them to anyone and everyone (I already have actually). If you want a knowledgeable team, then do yourself a favor and use RHF for your home loan. You will be happy you did.