Westchester NY Mortgage Banker. NY, CT, NJ Mortgages. Your #1 Choice for Mortgage Services.

Westchester NY Mortgage Banker. NY, CT, NJ Mortgages. Your #1 Choice for Mortgage Services.

LOWEST Rates Available - Best #1 Selection!

Let Richard Show You How Low - Call him now and find out!

Borrow with Confidence! With Richard Ho Shue... a leading Mortgage Banker in Westchester NY. Serving : White Plains, Harrison, Rye, Rye Brook, Mamaroneck, Larchmont, Port Chester, Scarsdale, New Rochelle, Eastchester, Mt. Vernon, Pelham, Pelham Manor, Elmsford, Valhalla, Dobbs Ferry, Tuckahoe, Ardsley, Yonkers, and New York City.

Let Richard Ho Shue handle all your Mortgage needs. His home office is located in Beautiful Westchester County, Rye Brook, New York.

Programs offered:

Purchase or Refinance of primary residence
Condo, Co-ops, Town House, and Multi-Family Residence
1st and 2nd Mortgages
Investment, Mixed-Used & Commercial Properties

You can also search the Westchester | Putnam County MLS Here for over 9000's available properties for free.

Welcome to the most informative and active mortgage website in Westchester County, New York. It's my job to find the perfect loan solution for your specific need, so why not call today for a no obligation consultation of your home mortgage goals.

Get Pre-Approved Here!
not just Pre-Qualified

Once we've determined how much home you can afford, why not take the next step and get pre-qualified and pre-approved for your home mortgage loan?

Richard Ho Shue Registered Mortgage Banker Toll-Free:

(866) 419-8766

Office: 914-255-8915

I have devoted my career to serving the areas of Westchester County, with the Home Loan needs of people just like you.

I can help with the following scenarios:

New Home Purchases, Re-Financing, FICO scores as low as 620, Retired Individuals on a fixed income, and Reducing Closing Costs.

Examples of some Mortgage Programs available:

30 year fixed, 30 year interest only loans, 5/1 Arms, 7/1 Arms, and 15 year interest only.

With a variety of loan programs and an established network of lenders to work with, I will find the loan that best suit your needs. I offer Conforming, Non-Conforming, and Government Loan programs at very competitive rates.

If you need a mortgage, no matter what your situation, call me so we can discuss your options.

Website Visits since October 2006

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Weekly Mortgage Rates
Freddie Mac National Averages
30 Yr Fixed	4.36%
15 Yr Fixed	3.86%
5 Yr Fixed	3.56%
1 Yr Fixed	3.52%

Rye Brook, New York
76° Clear

Featured Properties

Mortgage for YOU!

I promise to provide the most professional, ethical, and informed Mortgage service to my clients and new friends. I know that each customer has a specific need, so I will strive to meet those specific needs with quality service and individual attention. By combining the use of the internet along with advanced mortgage planning software and automated underwriting systems, I have taken the mysteries out of chosing a suitable mortgage strategy and bringing it to a successful close .

Reputation
Integrity
Trustworthy
Responsive
Honesty
Knowledge of the Process
Communication

Richard is registered with multiple Lenders and Banks with the ability to do business in several states across the USA. This allows him access to current wholesale interest rates. Therefore, he is in a better position to provide his clients with the most competitive rates available, versus walking directly into a local bank. Let Richard guide you through the complex process of purchasing or refinancing your home, and provide you with the best service available. It will only take a few minutes to call and get the ball rolling.

Before you lock in any rate, It makes good business sense to shop around and make sure you are getting the best rate available, right?

Give Richard a call today, because your call could literally save you Thousands of $$$!

"Your Trust and Confidence is Our Goal"

Office Information: 914-255-8915

Richard Ho Shue, Registered Mortgage Banker
(914) 255-8915 Email

RHS, Inc.

Rye Brook, NY 10573
Phone: 914-255-8915
Fax: (866) 419-8766
Toll-Free: (866) 419-8766
Email Office

Types of Loans

Fixed Rate Loans—An excellent way to lock into a low interest rate for the life of your loan.

Adjustable Rate Mortgages (ARM's)—The flexible loan, with lower initial rates and payments.

Initial Fixed Rate Loan—Start with a rate generally lower than standard fixed rate loans.

30 Year Fixed Rate

Borrower Goals Loan Parameters

• Plan to live in the property over 10 years

• Like total payment stability

• Interest rate & monthly payment remain the same for 30 years

15 Year Fixed Rate

Borrower Goals Loan Parameters

• Plan on staying in property over 10-15 years

• Want to pay off property faster than 30 years

• Lower interest rate than 30 year loan

• Interest rate & monthly payment remain the same for 15 years

10/1 Year semi-fixed

Borrower Goals Loan Parameters

• Plan to live in property approximately 10 to 12 years

• Like initial payment stability, can accept interest rate change later

• Interest rate & monthly payment fixed for the first 10 years

• Starting the 11th year, interest rate adjusted every year, so payment is subject to change every year for remainder of loan

7/23 (2-Step) or '30/7 + 23'

Borrower Goals Loan Parameters

• Plan to live in property approximately 7 to 8 years

• Can tolerate one payment adjustment

• Interest rate & monthly payment fixed for the first 7 years

• Conversion option: On the 8th year, interest rate adjusted to reflect prevailing fixed interest rates, resulting payment will remain the same for remainder of loan

7/1 Year semi-fixed rate

Borrower Goals Loan Parameters

• Plan to live in property approximately 7 to 8 years

• Like initial payment stability, can accept change later

• Interest rate & monthly payment fixed for the first 7 years

• Starting the 8th year, interest rate adjusted every year, so payment is subject to change every year for remainder of the loan

5/25 (2-Step) or '30/5 + 25'

Borrower Goals Loan Parameters

• Plan to live in property approximately 5 to 6 years

• Can tolerate one payment adjustment

• Interest rate & monthly payment remain fixed for the first 5 years

• Conversion option: On the 6th year, interest rate adjusted to reflect prevailing fixed interest rates, resulting payment will remain the same for remainder of loan

5/5 & 5/1 Year semi-fixed rate

Borrower Goals Loan Parameters

• Plan to live in property approximately 5 to 6 years

• Like initial payment stability, can accept later changes

• Interest rate & monthly payment remain fixed for the first 5 years

• Starting the 6th year, interest rate adjusted every 5 years(for 5/5 ARM) and every year (for 5/1 ARM)

3/3 & 3/1 Year semi-fixed

Borrower Goals Loan Parameters

• Plan to live in property 3 years or less

• Like initial payment stability, can accept later changes

• Interest rate & monthly payment remain fixed for the first 3 years

• Starting 4th year, interest rate adjusted every 3 years (for 3/3 ARM) and every year (for 3/1 ARM)

Adjustable rate loans

Borrower Goals Loan Parameters

• Want to take advantage of lowest rate possible

• Are willing to accept yearly payment changes OR

• Cannot qualify at higher rate programs

• Interest rate adjusted every year, so monthly payment is subject to change every year for entire 30 year loan term

• Potential higher payments (at maximum interest rate

Get Pre-Approved, not just Pre-Qualified!

Why not take the next step and get pre-qualified and pre-approved for a home mortgage loan?

Not only will you know your housing budget to the dollar before you start looking for a home, you'll also have more negotiating leverage because the seller knows you've already got a loan virtually in your pocket.

Pre-qualification
Pre-qualification acts as a dry run of the loan application process. I will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes or a few hours at most.

While a "pre-qual" is non-binding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.

Pre-approval
Pre-approval takes pre-qualification one step further. I will contact your employer, your bank and others to verify your income, assets, debts and credit history, and then issue you a letter stating that your mortgage is approved for a certain amount within a certain timeframe.

Gain the buying edge
The advantages of pre-qualification and pre-approval are two-fold: you're more attractive to sellers, who needn't worry that they'll accept your offer only to have your loan turned down, and you'll save time to closing when you find a home because the lender will have already completed the necessary qualifying and underwriting steps.

Important note: Should your financial circumstances change before closing, make sure to contact your lender, as your pre-qualification or pre-approval status may no longer be valid.

Richard Ho Shue

Mortgage Planner

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