Business Details
Your Trusted Mortgage Partner in St. James, NY
All Shores Mortgage is a family-owned mortgage company dedicated to building lasting relationships through every stage of life. With over twenty years of mortgage lending experience, we prioritize integrity, trust, and exceptional service. Our team works closely with clients to understand their unique goals, offering personalized guidance from initial consultation through post-closing support. We serve New York and Florida communities, providing a fully remote and streamlined application process. Our commitment to competitive interest rates, low closing costs, and a client-first approach has earned us a reputation as a trusted partner in homeownership, refinancing, and debt consolidation.We pride ourselves on transparency, accessibility, and treating every client like family. Our expertise spans fixed-rate, adjustable-rate, conventional, VA, FHA, jumbo, and reverse mortgages, tailored to meet diverse financial needs. Recognized for our rapid loan closures and client satisfaction, we strive to make the mortgage process stress-free and rewarding. Our St. James-based office combines local market knowledge with nationwide service capabilities, ensuring clients receive both personalized attention and industry-leading solutions.
Services
Fixed-rate loans
Adjustable-rate loans
Conventional loans
VA loans
FHA loans
Jumbo loans
Reverse mortgages
Debt consolidation
Home refinancing
First-time homebuyer programs
Highlights and features
- We offer over 20 years of mortgage lending experience with personalized service.
- Our team provides competitive interest rates and transparent closing costs.
- We specialize in rapid loan closures with a client-first approach.
- Our St. James-based team deeply understands local and national market needs.
- We offer fully remote, streamlined mortgage application processes.
What people say
Professional, knowledgeable team
Saved thousands in costs
Timely loan closures
Excellent communication
Personalized guidance
Services
Fixed-rate loans
Fixed-rate mortgages provide predictable monthly payments that remain unchanged for 15, 20, or 30-year terms. These loans offer financial stability with no payment surprises, allowing prepayment without penalties. Ideal for long-term homeowners seeking consistent budgeting.
VA loans
VA loans offer zero down payment requirements and no mortgage insurance for eligible veterans and active-duty personnel. Backed by the Department of Veterans Affairs, these loans feature favorable terms and lenient underwriting guidelines for qualified applicants.
Jumbo loans
Jumbo loans finance properties exceeding conventional loan limits, with amounts up to $15 million. These loans accommodate luxury home purchases or high-value properties, offering more flexible underwriting while maintaining competitive rates for qualified borrowers.
Reverse mortgages
Reverse mortgages convert home equity into tax-free income for homeowners aged 62+. No monthly payments are required, with repayment deferred until the home is sold or vacated, preserving estate value for heirs.
FHA loans
FHA loans enable low-to-moderate income borrowers with 3.5% down payments. These government-insured loans feature lenient credit requirements but require mortgage insurance premiums for the loan term if down payment is less than 10%.
Questions
How long does the mortgage process take?
Refinances typically fund in 3-4 weeks; purchase loans take 4-6 weeks depending on contract terms.
Do I need an attorney for refinancing?
An attorney isn't required for refinancing, but one will be present at closing to explain loan terms.
What's the difference between home equity loans and lines of credit?
Home equity loans provide lump sums with fixed payments; lines of credit offer revolving access with variable rates.
How much can I borrow?
Loan amounts depend on home equity, income, credit history, and loan program guidelines.
