Smart Mortgage Strategy for Buyers, Investors & Realtors
Local mortgage guidance backed by a fully independent broker model. Purchase, refinance, DSCR investor loans, and fully underwritten TRU Approval® strategies designed to help buyers move confidently.
Loan Programs
What We Help With
Home Purchase Loans
Conventional, FHA, VA, USDA, Jumbo — structured around your timeline, not a checklist.
TRU Approval®
Fully underwritten before you shop. Compete with cash buyers. Move faster.
DSCR Investor Loans
Qualify on property cash flow. No W-2 required. LLC ownership allowed.
Refinancing
Rate-term or cash-out. Structured for your actual financial goals.
Preferred Mortgage Corporation of NY
Independent Broker · Rochester, NY
Why Work With Us
Why Rochester Buyers & Investors Work With Us
Good financing decisions start with understanding the structure, not just the rate. Every deal has pressure points — we help you navigate them with the right program, the right lender, and a strategy that actually fits your situation.
- Independent broker — access to multiple wholesale lenders, not one bank's menu
- Investor-friendly: DSCR, LLC ownership, short-term rentals, BRRRR strategies
- TRU Approval® — fully underwritten before you find a property
- Rochester-based with local market knowledge that matters
- Direct communication with Steve — no hand-offs, no call centers
- Strategy-first guidance: structure matters as much as rate
Mortgage Insights
Market Updates & Education
DSCR Loans in Rochester NY: What Investors Need to Know in 2025
Cash flow-based qualifying, LLC ownership, and why Rochester's rental market makes DSCR a strong tool right now.
Read moreWhy a TRU Approval® Beats a Standard Pre-Approval in a Competitive Market
The difference between a preapproval letter and a fully underwritten approval is the difference between a maybe and a yes.
Read moreRochester Housing Market Update: Spring 2025
Inventory is still tight in Monroe County. Here's what buyers and investors need to understand about the current conditions.
Read moreRealtors & Investors
Built for Agents, Investors, and Anyone Who Needs a Financing Partner That Actually Delivers
Co-branded programs for realtors. DSCR and investor financing for portfolio builders. TRU Approval® for buyers who need to compete. If the deal has complexity, that's where we work best.
Realtor Partnerships
Co-branded marketing, TRU Approval® for your buyers, and a financing partner who responds.
Investor Financing
DSCR, cash-out, LLC ownership, BRRRR strategies — structured for real estate investors.
TRU Approval®
Fully underwritten before your client makes an offer. Cash-competitive positioning.
Education First
We explain the structure, not just the rate. Your clients will understand what they're signing.
Questions? Let's Talk Strategy.
Whether you're buying your first property or financing your tenth investment deal — the structure matters. Let's figure out what actually makes sense for your situation.