QualifyYour Westchester
Mortgage, Decoded.
Serving White Plains · Yonkers · Scarsdale · New Rochelle · Tarrytown · Ossining and every zip code in between. Not a national rate tool — a local broker who already knows your comps.
Let's start simple.
No credit check — just two questions.
94%
of our clients close on time. Westchester avg: 71%.
Service Area
Westchester County, NY
Four steps. Zero surprises.
Most lenders keep the process opaque so you can't comparison shop. We do the opposite — because a client who understands the process makes better decisions and closes faster.
We Pull Options, Not Credit.
Your score stays untouched until you say go.
The first conversation is a soft-pull strategy session. We compare your profile against 40+ lenders using a soft inquiry — the kind that doesn't touch your FICO. You'll see real rate ranges, real loan amounts, and real monthly payments before we ever submit a single application.
Here's What Lenders Actually See.
Most approvals need exactly 6 documents. Here they are.
Underwriters aren't looking for perfection — they're looking for a clear story. Income, assets, debt, and property. That's it. We've helped self-employed borrowers who'd been turned down by three banks get approved by reframing the same numbers in the language lenders actually use.
The Standard Six
Last 2 years W-2s or 1099s
Self-employed? 2 years tax returns instead
Last 2 months pay stubs
Or profit/loss statement if self-employed
Last 2 months bank statements
All accounts, all pages
Government-issued photo ID
Driver's license or passport
Most recent retirement/investment statements
If applicable
Signed purchase agreement
For purchase transactions only
Free PDF — no email required
Your Rate Lock, Explained.
One paragraph. No jargon.
A rate lock is a written guarantee from your lender that your interest rate won't change between now and closing — typically 30, 45, or 60 days. It costs nothing to lock. The risk of not locking is that rates move up before you close. We monitor the market daily and tell you exactly when to pull the trigger — not based on guesswork, but on your specific closing timeline.
Best for: Closings already scheduled
Best for: Standard purchase timelines
Best for: New construction or complex sales
Westchester note: Average days-to-close in our market is 28 days. We typically recommend a 45-day lock for first-time buyers — one week of buffer.
Closing Day — What You Sign.
And why each document exists.
You'll sign roughly 100 pages. That sounds terrifying. It isn't — about 80 of them are duplicates, disclosures, and acknowledgments. The three documents that actually matter are the Promissory Note (your promise to repay), the Deed of Trust (the lender's security interest), and the Closing Disclosure (the final number breakdown). We walk through every page with you before the table.
Your legal promise to repay. Contains your exact rate, term, and monthly payment.
The lender's security interest in the property. Standard — every mortgage has one.
The final breakdown of every dollar in and out. You'll receive this 3 days before closing.
No credit check · 3-minute form
Real clients. Real closings.
847
Families Closed
94%
On-Time Closing Rate
28 Days
Avg. Time to Close
"I'm self-employed and my bank said no three times. Qualify found a lender who actually read my P&L instead of just running the algorithm. Closed in 24 days."
Marcus Delgado
Freelance architect, White Plains NY
"We were buying and selling simultaneously — the timing was terrifying. They coordinated both closings to the same day. I didn't know that was even possible."
Jennifer Kowalski
Move-up buyer, Scarsdale NY
"First-time buyer here. I had no idea what any of this meant. They walked me through every document before I signed it. I never felt stupid, just informed."
Devon Okafor
First-time buyer, New Rochelle NY
No credit check · 3-minute form · Local broker, not a national algorithm