Business Details
Your Trusted Mortgage Partner in Bohemia, NY
Jet Direct Mortgage has built its reputation on unwavering dedication, relentless innovation, and a steadfast commitment to customers. Since our founding, we have specialized in identifying the ideal loan solutions for individuals and families, offering a comprehensive range of mortgage programs including conventional, FHA, VA, jumbo, and reverse mortgages. Our expertise extends to first-time homebuyers, real estate investors, and non-citizens, with tailored options like asset utilization loans and bank statement programs. We prioritize unmatched customer service, simplifying the home-buying and refinancing processes while maintaining transparency and ethical standards. Our team of certified professionals combines deep industry knowledge with personalized guidance, ensuring clients achieve their homeownership goals with confidence.Recognized for competitive rates, low fees, and rapid closings, we serve diverse markets across Long Island, NYC, California, and North Carolina. Our commitment to excellence is reflected in client testimonials praising our responsiveness, expertise, and stress-free approach. As a licensed lender in over 25 states, we adhere to strict regulatory standards while maintaining local market insights. Our proprietary mobile app, Jet Direct Mobile, streamlines the loan application process, embodying our mission to make homeownership accessible and seamless. This combination of national reach and local expertise defines our leadership in the mortgage industry.
Services
Conventional Loans
FHA Loans
VA Loans
Jumbo Loans
Reverse Mortgages
Refinance Loans
FHA 203(k) Loans
HECM Programs
Non-QM Loans
Asset Utilization Loans
Highlights and features
- We offer competitive rates and low fees with personalized service.
- Our team provides rapid closings, often under 45 days.
- We specialize in niche programs like bank statement and ITIN loans.
- Our loan officers maintain 24/7 availability for client support.
- We combine national lending capabilities with local market expertise.
What people say
Competitive rates
Rapid closings
24/7 availability
Personalized support
Stress-free process
Services
Conventional Loans
Conventional loans suit borrowers with strong credit and substantial down payments. These fixed-rate mortgages offer predictable payments and no mortgage insurance requirements for qualified applicants. Our team specializes in converting FHA loans to conventional terms for improved savings.
FHA Loans
FHA loans assist buyers with lower credit scores and minimal down payments. Backed by the Federal Housing Administration, these mortgages require only 3.5% down and offer flexible qualification standards. We guide clients through FHA streamline refinancing options.
Reverse Mortgages
HECM reverse mortgages convert home equity into tax-free cash for seniors aged 62+. Funds can supplement retirement income, pay medical expenses, or eliminate existing mortgage payments while retaining home ownership.
VA Loans
VA loans provide zero-down financing for active military, veterans, and surviving spouses. These programs feature competitive rates, no mortgage insurance, and streamlined refinancing options through the VA IRRRL program.
Non-QM Loans
Non-qualified mortgage programs serve borrowers with unique income documentation needs. Bank statement loans, asset depletion mortgages, and DSCR investment property loans accommodate self-employed individuals and non-traditional income sources.
People
Mike Spano
Founder
Mike Spano established Jet Direct Mortgage with a vision to simplify homeownership through innovative lending solutions. His leadership emphasizes ethical practices, technological advancement, and personalized client relationships while maintaining industry compliance.
Enid Adinolfi
Loan Officer
Enid Adinolfi specializes in first-time homebuyer programs and construction loans. With over 15 years of experience, she guides clients through complex transactions while maintaining 24/7 availability for personalized support.
Patrice Flerx
Mortgage Professional
Patrice Flerx focuses on non-traditional lending solutions for young professionals and investors. Her expertise in rapid closings and client education has earned multiple industry referrals and repeat business.
Questions
What mortgage programs do you offer?
We provide conventional, FHA, VA, jumbo, reverse mortgages, and specialized non-QM loans including bank statement and asset utilization programs.
How quickly can you close a mortgage?
Our average closing time is 35-45 days, with expedited options available for qualified borrowers using our digital processing system.
Do you offer first-time homebuyer assistance?
Yes, we specialize in first-time buyer programs with low down payments, including FHA loans and state-specific assistance options.
Can I refinance an existing mortgage?
We offer conventional refinancing, FHA streamline, VA IRRRL, and HECM reverse mortgage conversions to help reduce payments or access home equity.
Are you licensed in my state?
We hold licenses in over 25 states including NY, CA, NC, and TX, with nationwide lending capabilities through our NMLS #3542 registration.
How does your mobile app work?
Jet Direct Mobile allows document submission, real-time tracking, and secure communication with your loan officer throughout the application process.
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