Disclaimer: This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
Services

Loan programs for New York & Florida

We match you with the right financing from a wide network of lenders. Here are the programs our clients use most.

Fixed & Adjustable Rate Mortgages

Conventional fixed and adjustable rate loans for buyers with solid credit. Down payments as low as 3% for qualified first time buyers, with the option to avoid PMI at 20% down.

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Interest Only Mortgages

Pay interest only during an initial period to keep early payments lower, a flexible option for the right borrower.

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FHA Purchase & Streamline Refinance

Government backed loans with lower credit and down payment requirements. We handle FHA purchases and streamline refinancing, a strong fit for first time buyers and those rebuilding credit.

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USDA Loans

No down payment financing for eligible homes in qualifying rural and suburban areas, available in parts of both New York and Florida.

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Jumbo Loans

Financing above conforming loan limits for higher value homes, including luxury properties common in Florida's coastal markets.

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Home Equity: HELOC & Loans

Home Equity Lines of Credit and home equity loans that let you borrow against the equity you have built for renovations, expenses, or consolidation.

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DSCR Loans

Debt Service Coverage Ratio loans qualify investors on the property's rental income rather than personal income. An ideal tool for building a rental portfolio.

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NINA Loans

No Income No Assets verification for investors purchasing multifamily (2 or more unit) residential and commercial properties, qualifying on the deal rather than personal income.

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Commercial Loans

Financing for commercial properties, including mixed use, office, retail, and multifamily buildings, for purchase or refinance. Available in 48 states across the country.

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Construction Loans

Financing to build a new home or substantially renovate, structured to finance your project through to completion.

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Rate & Term Refinance

Lower your interest rate or shorten your term to save on interest and pay off your home faster.

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Cash Out Refinance

Tap your home equity for renovations, debt consolidation, or major expenses while keeping a single monthly payment.

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Please note: DSCR loans, investment property loans, commercial mortgages, and similar products are not regulated by the New York State Department of Financial Services and are therefore not covered by Anatoliy Mikhaylov Mortgage Choice, Inc.'s New York mortgage broker registration.
Who we help

Financing built around your situation

From first time buyers to seasoned investors, we tailor programs to where you are today, and your consultation and prequalification are always free.

  • First time homebuyers
  • Low down payment loan options
  • Less than perfect credit welcome
  • Residential and commercial borrowers
Request a Quote

Always free

  • Free consultation for residential and commercial mortgage programs across various banks, including FHA, HUD, Fannie Mae, and Freddie Mac guidelines
  • Free prequalification for buyers and for commercial properties, in both purchases and refinances
  • Side by side comparison of your options with the costs explained clearly
Local knowledge

Popular in each state

We know the markets we serve, and we match programs to what buyers and owners actually need in New York and Florida.

New York
Conventional and jumbo loans for condos, cooperatives, and multifamily homes; home equity and refinances for longtime homeowners.

Florida
Second home and investment financing, DSCR and NINA loans for rental properties, and jumbo loans for coastal markets.

Tailored to you

See your options in minutes

Start an inquiry and we'll follow up with programs and estimated rates tailored to your situation.

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