Credit Approval Process

Our credit approval process has many homebuyers moving ahead of the queue and crossing the finish line ahead of other buyers. Contact Luxury Mortgage to find out how much you can afford and be ready to go when you find your dream home.

Welcome Home

Luxury Mortgage offers homeowners and homebuyers a cost-effective way to turn a house into a dream home. A Renovation Loan can be used on a newly purchased or refinancing property that needs a makeover. The loan will cover the cost of minor or extravagant renovations.

Of all the "welcome home" we do in our business, there's no one we want to welcome home more than you.

Thank you for your service. Now it's our time to serve you. Luxury Mortgage offers veteran’s administration “VA” Loans to active, non-active and retired Army, Air Force, Marines, Navy, National Guard and Coast Guard. Our team will strive to deliver the best rate and terms available for your needs.


We know you have big plans - but those big plans aren't going to fit into a small mortgage. Well, luckily for you, Luxury Mortgage's Jumbo and Super-Jumbo mortgage might be just your size.

The Perfect Mortgage

We understand how emotional and cumbersome the mortgage process can be. That's why we've spent countless hours outlining every detail of the loan process shortening each step, so you receive what you deserve- the perfect mortgage with a luxury service experience

Our Melville Branch

Located just east of New York City, the Melville branch is here to provide all your mortgage needs—and a little more elbow room. Our Melville Loan Originators are licensed in various states throughout the country and can assist consumers seeking loans in these markets. This way you can deal with your local agents on your closing locally or in other parts of the country. Let us work for you! Whether this is your first mortgage experience or your seventeenth, our experienced staff has the knowledge, experience and loan programs to guide you every step on your way home!
35 Pinelawn Road Suite 109E
Melville, NY 11747
Phone: (516) 240-6000

Our Relationships are built to last a lifetime.

Luxury Mortgage Corp® is a private mortgage firm that has been providing homeowners a range of residential mortgage products since 1996. Our success is a result of providing one of the widest range of programs, competitive pricing and an experienced staff to deliver a new standard of luxury service in mortgage lending. With our corporate office located in Stamford, Connecticut, and branch locations throughout the country, our goal is to be accessible, attentive and prepared with a great team that actually likes this stuff (so you don't have to).
  1. Request Info
  2. Rates & Calculators
  3. Loan Process

Quick Start! Online Information Request

Purchase a home Refinance my homes
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Mortgage & Rate Calculators

This mortgage calculator can be used to figure out monthly payments of a home mortgage loan, based on the home's sale price, the term of the loan desired, buyer's down payment percentage, and the loan's interest rate. This calculator factors in PMI (Private Mortgage Insurance) for loans where less than 20% is put as a down payment. Also taken into consideration are the town property taxes, and their effect on the total monthly mortgage payment.
Purchase & Financing Information
Sale Price of Home: (In Dollars)
Percentage Down: %
Length of Mortgage: years
Annual Interest Rate: %
Explain Calculations: Show me the calculations and amortization

Stage 1: APPLICATION - Compile Documents and Submit

Your business is important to us and we are committed to ensuring that you and your loan receive the highest level of care and attention throughout the entire mortgage process. You may be asked for some or all of this documentation during the application process. If you apply online or over the phone, a Mortgage Loan Originator will ask you to either fax or mail these documents.

Download printable Document Checklist.

  • Pay stubs for the last 30 days
  • W-2 forms for the last two years
If self employed:
  • Tax returns for past two years (personal and business if applicable)
  • Year-to-date Profit & Loss statement (unaudited in most cases)
  • Bank statements for the past two months reflecting sufficient funds to close and required case reserves
  • NOTE: Large deposits will need to be explained and its source verified.
  • Investment account statements for the past two months - Life insurance policy
  • Retirement account statements for the past two months
  • Credit card account(s)
  • Auto loan account(s)
  • Personal loan account(s)
  • Photo identification is required
If you currently own real estate:
  • Copy of current Mortgage account(s) statements or current tax bill(s) for all properties
  • Copy of current Home equity account(s) statements
  • Home insurance policy and broker contact information
Within 3 days you will receive your official loan disclosure package, at which point you will read, sign (where applicable) and return these documents to your Loan Originator in order to move to the next stage. At this point, you are simply agreeing to the proposed terms and conditions and are not obligated on the loan.
Download printable Document Checklist.

Stage 2: PROCESSING - Process and Verify

Your Loan Originator, coordinating with your Loan Processor, will review the documents you've submitted for completeness and will request the necessary third party verifications and evaluations. Once all third party requests have been received, the file will be reviewed for accuracy and the loan will be sent to Underwriting for review.

  • An appraisal is ordered from a Luxury Mortgage Corp approved appraiser.
  • NOTE: A contact person (either you or your realtor) is required for access to the home.
  • Other third party verifications are performed during this stage.

Stage 3: UNDERWRITE - Analyse and Disposition

The goal of the Underwriter is to review applicants' credit worthiness and insure they have sufficient income to support the requested loan. While we aim to provide the underwriters all the pertinent information to support your financial profile, each case is different and underwriters may ask for additional supporting documentation.

Here are some insights that will help avoid some of these requests. (LINK TO INSIGHTS)

Stage 4: CLOSING - Gathering Final information and Scheduling the closing

Our Closing team reviews the file for legal and compliance-related items, addresses any open loans or municipality restrictions in the title history of the property and coordinates the time and location of the closing. Items that are of importance for closing:

Prior To Closing
  • Homeowners Insurance naming Luxury Mortgage (your new lender) as the additionally insured.
  • NOTE: Provide the name and contact information for your insurance broker and we'll do the rest.
  • Schedule appointment to walk through property one last time
  • Transfer utilities accounts
  • Ensure closing cost funds are available
Day of Closing
  • Photo Identification: Bring your drivers license
  • Binder for Homeowners Insurance & Paid Receipt
  • Certified or Cashier's Check (for your down payment and closing costs)
  • Clear your evening to celebrate

Latest News In the industry and at Luxury Mortgage Corp®


Luxury Mortgage continues expansion with new team members:

Elizabeth "Beth" Brucker
Mrs. Elizabeth "Beth" Brucker, a 13 year mortgage banking veteran has joined the firm as Managing Director and Branch Manager for its Westport office location - Read More


Luxury Mortgage proudly presents two new great additions to the team:

Iliad Estrada
The addition of a proven mortgage banker of Iliad's caliber further demonstrates the continuation of our company's growth during a shrinking market environment - Read More
Carey Hollander
Mr. Carey Hollander, a 23 year mortgage banking veteran has joined the firm and will serve as Sales Manager for an initial group consisting of fellow new hires Ms. Adriana Carrozza and Mr. Carl Fraiser - Read More


We are pleased to announce that the Garden City Branch has relocated to
990 Stewart Ave., Suite 225
Garden City, NY 11530


Luxury Mortgage Corp. Continues New York City Expansion with Key Management Hire Former Citibank Sr. Lending Mgr. Bruce Nohe Managing Director NEW YORK, Oct 15, 201 -- Luxury Mortgage Corp, a residential mortgage bank headquartered in Stamford, CT, announced today the appointment of Bruce Nohe as Managing Director for its New York City midtown flagship branch location. Nohe, a 14 year veteran in mortgage banking, joins Luxury Mortgage from Citibank, where for the last 6 years he served as Senior Lending Manager, responsible for Citi's residential mortgage production covering midtown to lower Manhattan. Nohe managed a sales organization that accounted for mortgage funding's in excess of $1 billion in 2013 and was recognized as the #1 producing Senior Lending Manager in the country for Citi. Nohe will report directly to Robert Grosser, President.

"Bruce is a welcome addition to our team of successful mortgage sales executives, and will be a terrific leader for our growing retail sales force in New York City," said David Adamo, CEO of Luxury Mortgage.

"Bruce exemplifies and embraces Luxury's people-focused entrepreneurial culture, and we expect his experience and successes to have a significant near term impact on our retail loan production volume" added Grosser.

"Luxury Mortgage is a rapidly growing organization with an extraordinary team and culture," said Nohe. "I am looking forward to applying my experience and background to continue the New York City expansion effort and working closely with Luxury's impressive executive team on a range of subjects that will support the ongoing goals and objectives of the company."


A great article by David Marinoff, Branch Manager at Luxury Mortgage Corp discussing "The Coming (Jumbo) Housing Boom"
View Article


David Adamo & Writer Polyana da Costa from quoted David Adamo, CEO of Luxury Mortgage Corp in the article "Jumbo Mortgage Offer Low Rates, Strict Terms".
View Article


David Adamo & The Wall Street Journal: Writer Anya Martin from The Wall Street Journal quoted David Adamo, CEO of Luxury Mortgage Corp in the article "When First-Timers Look Risky to Lenders".
View Article


Marc Kunen, Managing Director at Luxury Mortgage speaks with Mann Report Residential on "Securing Success in Mortgage Financing".
View Article


Please welcome two great additions to our Luxury Mortgage family: Jackie Strauch, who joined us today as a Closing Administrator in our Stamford office & Christopher Sera, who will be working as a Senior Loan Processor in our new Westport office!


Here's another recent broadcasted appearance by Peter Grabel, Senior Mortgage Loan Originator, on NY1 News discussing some of the changes regarding FHA mortgages: click here.

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Corporate Contact Information

  • Call us at 888-394-5383
  • Click here to email us
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Equal Housing Lender Equal Housing Lender. ©2016 Luxury Mortgage Corp. This is not a commitment to lend. Restrictions apply. Some products may not be available in all states. NMLS # 2745. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act CRMLA # 4130164, Colorado Mortgage Company Registration # 2745-203.327.6000-Check the license status of your mortgage loan originator at, CT Licensed Mortgage Lender, DC# MLB 2745, FL Licensed Mortgage Lender #MLD454, Georgia Residential Mortgage Licensee # 23006-Four Landmark Square, Suite 300, Stamford, CT 06901, Illinois Residential Mortgage Licensee # 6615 by the Illinois Department of Financial and Professional Regulation, Division of Banking, 122 South Michigan Avenue, Suite 1900, Chicago, Illinois 60603, (312) 793-3000, ME Supervised Lender License# 6618, Maryland Mortgage Lender #10157, Massachusetts Licensed Mortgage Lender/Broker, License #MC2745, Michigan License # FR0019639 and #SR0019640, Licensed by the New Hampshire Banking Department-#10099MB, Licensed Residential Mortgage Lender -New Jersey Department of Banking & Insurance, New Mexico Mortgage Loan Company License No. 03841, Licensed Mortgage Banker- New York State Department of Financial Services-122 East 42nd Street, Suite 4900 New York, NY 10168, North Carolina Mortgage Lender License # L-104218, Licensed by the Pennsylvania Department of Banking - Mortgage Lender License #27662, Rhode Island Licensed Lender #20031560LL/Broker #20092580LB, South Carolina BFI Mortgage Lender/Servicer License # MLS 2745, Tennessee Department of Financial Institutions License # 129501, Texas Mortgage Banker Registration-Four Landmark Square, Suite 300, Stamford, CT 06901, Luxury Mortgage Corp., Licensed by the Virginia State Corporation Commission, MC-5938; Washington Consumer License # CL-2745.

Luxury Mortgage Corp®,® and Luxury Mortgage® are registered service marks of Luxury Mortgage Corp. All Rights Reserved.