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Business Details
38 Years
experience
Your Trusted Mortgage Broker in Yorktown Heights, NY
Founded in 1988 by David M. Lichtman, DML Mortgage has built a reputation as a trusted mortgage brokerage serving clients across eight states. With over 25 years of industry experience and a track record of closing more than 10,000 loans totaling approximately $1 billion, our team prioritizes integrity, efficiency, and client-centric service. We specialize in connecting borrowers with tailored mortgage solutions through access to multiple lenders, ensuring competitive rates and flexible options for diverse financial situations. Our expertise spans fixed-rate, jumbo, adjustable-rate, reverse, and government-backed loans, supported by a dedicated staff of loan officers, processors, and underwriters. Licensed in New York, New Jersey, Connecticut, Pennsylvania, Florida, North Carolina, South Carolina, and Georgia, we combine local market knowledge with national lending resources. Our commitment to transparency and ethical practices is reflected in our dual mottos: 'Whether its time or money, go to Dave for the Save' and 'DML, Your Neighborhood Mortgage Store.' By maintaining persistence and honesty in every transaction, we aim to simplify the home financing process while delivering personalized support.

Our bilingual capabilities and focus on unique borrower scenarios further distinguish our service approach. Headquartered in Yorktown Heights, NY, we continue to expand our reach while preserving the personalized attention that defines our brand. Through continuous adaptation to market changes and regulatory requirements, we uphold our mission to make homeownership accessible and stress-free for all clients.
Services
Fixed Rate Mortgage Jumbo Mortgage Adjustable Rate Mortgage Reverse Mortgage Commercial Mortgage Construction Loan FHA/VA Loans USDA Rural Loans SONYMA Programs 203k/HomeStyle Loans
Details
  • Year established: 1988
Highlights and features
  • We provide access to multiple lenders for competitive rate comparisons
  • Our team has closed over 10,000 loans totaling $1 billion
  • We specialize in unique borrower scenarios with flexible income verification
  • We offer immediate pre-approvals and written loan commitments
  • Our bilingual staff serves clients in English and Spanish
Associations and certifications
  • NMLS #46653
  • NYS Department of Financial Services
  • NJ Department of Banking & Insurance
What people say
Competitive rates Personalized service Efficient processing Experienced team Multiple lender options
Services
Fixed Rate Mortgage
Our fixed-rate mortgages offer consistent interest rates and predictable monthly payments for 15, 20, or 30-year terms. This service caters to borrowers seeking long-term financial stability and protection against market fluctuations. Our team helps clients select optimal loan durations based on individual financial goals and credit profiles.
Jumbo Mortgage
Jumbo mortgages provide financing for high-value properties exceeding conventional loan limits. Available in 15, 20, or 30-year terms, these loans serve clients purchasing luxury homes or investment properties. We offer competitive rates and flexible underwriting for borrowers with strong financial profiles seeking premium real estate opportunities.
Adjustable Rate Mortgage
Adjustable-rate mortgages feature initial fixed-rate periods followed by periodic rate adjustments tied to market indices. Ideal for clients planning shorter ownership periods or expecting future income growth. Our advisors help borrowers understand rate caps and potential payment fluctuations to make informed decisions.
Reverse Mortgage
Reverse mortgages enable homeowners aged 62+ to convert home equity into tax-free funds while maintaining property ownership. Designed for retirement income supplementation, this service includes counseling requirements and careful assessment of long-term financial implications for senior clients.
Commercial Mortgage
Commercial mortgages finance income-producing properties and business real estate needs. Our solutions cover office buildings, retail spaces, and industrial properties with terms tailored to business cash flow patterns. We assist investors and business owners in securing financing for acquisitions, refinancing, or development projects.
Questions
What mortgage types does DML Mortgage offer?
We offer fixed-rate, jumbo, adjustable-rate, reverse, commercial, construction, FHA/VA, USDA, and SONYMA loans, along with 203k/HomeStyle renovation programs.
In which states do you operate?
We provide mortgage services in New York, New Jersey, Connecticut, Pennsylvania, Florida, North Carolina, South Carolina, and Georgia.
How do you help unique borrower situations?
Our access to multiple lenders allows customized solutions for self-employed individuals and borrowers with non-traditional income documentation needs.
What sets DML Mortgage apart?
We combine local expertise with national lending options, offering daily rate comparisons across multiple banks to secure the best possible terms for clients.
How can I get pre-approved?
Contact our Yorktown Heights office via phone or our website form to begin the pre-approval process with one of our experienced mortgage specialists.
Reviews (4)
Dan S.
Dec 07, 2021 Report
I had such a great experience. The team was very quick with answering every question that I had. They walked me through the whole experience and made it very pleasant. From start to finish we were closed in less then 30 days. I couldnt have asked for a better team.
Jennifer Varga
Dec 06, 2021 Report
I used DML for my first mortgage and now used them for my refinance. The team goes way above and beyond through out the entire process. They take you calls and answer all your question. They are there for you no matter what is happening and make sure you are taken care of. I would recommend them to everyone that needs assistance with their mortgage.
Urs Fischer
Oct 28, 2021 Report
Great team of professionals! This is a great example for a case where adding a "middle man" actually creates value. As a home buyer one could not achieve by oneself a speedier and better mortgage rate closing than by going through Dan and his knowledable and friendly professionals ar DML.
Amanda Barone
Oct 18, 2021 Report
Jim at DML Mortgage Enterprises, Inc. is always so helpful and responsive. Everyone on his team has been so nice and made our whole experience as easy as possible. I recommend his team to everyone!