| |
What is
a Mortgage Broker
Finest Capital is the
Superior Mortgage Source
Want easy fast answers direct from an experienced loan
professional? Use our
Quick
Quote Form - we'll answer all your
questions and when you're ready, deliver the right loan
solution customized for you! Or for even faster services
call us at 516-933-1800. You'll be glad you did!
In New York State, a
residential mortgage broker is regulated by the New York State
Banking Department. Mortgage brokers negotiate, originate, and process
residential real estate loans on behalf of the consumer.
We Have What It Takes:
 |
An extensive selection of
mortgage products |
|
|
Experience in comparing
loans, terms, and rates |
|
|
An obligation to protect the
borrower |
We can Help You:
Our purpose is to
provide each borrower with a program which best suites his or her needs.
Whatever the difficult requirements or special requests you may have, a
professional mortgage broker can find a lender with a program to meet those
needs.
|
|
Choose from local and
national investors |
|
|
Understand mortgage options
and lender requirements |
|
|
Select a mortgage which is
right for you |
Mortgage Finance Is
An Important Decision. It's probably one of the most important decisions you'll
face in your lifetime, and we want to help you be certain that it's one of the
best. So when it's time to select that new mortgage, call a New York State
Registered Mortgage Broker - call Finest Capital Ltd.
Finest Capital Ltd is a proud, professional Member of the New York Association
of Mortgage Brokers and adheres to the organization's Code of Ethics.
New York Association of Mortgage Brokers
Code of Ethics
|
I.
|
Conduct
their business in a competent professional manner, insuring that both
themselves and their personnel are knowledgeable in the particular area
of mortgage brokering in which they participate and act in compliance
with sound industry practice. |
|
II.
|
Make every
reasonable effort to assure advertising and other business practices are
not misleading to the public, nor shall such advertising or other
business practice contain any misrepresentations of fact. |
|
III.
|
Keep
themselves informed with respect to all applicable laws and regulations,
and comply therewith. |
|
IV.
|
Cooperate in
every appropriate way with governmental bodies charged with regulating
the practice of mortgage brokers, assuring the public of fair and honest
treatment with respect to mortgage financing. |
|
V.
|
Conduct
themselves with integrity and dignity in their dealing with the public,
and recognize and respect the confidentiality of their clients. |
|
VI.
|
Attempt to
reduce all agreements to writing and provide copies to all parties
engaged. When agreements are not in writing, members shall accord all
oral agreements the same sanctity given to written agreements. |
|
VII.
|
Conduct
their business so as not to deny equal professional services to any
person for reasons of race, color, creed, sex, religion, national
origin, marital status, age or disability. |
|
VIII.
|
Take care
not to make representations concerning interest rates or material facts
that are not realistic. |
|
IX.
|
Make all
reasonable efforts to facilitate each loan application in a timely
manner. |
|
X.
|
When
requested by client, promptly advise client of approval, declination or
other material information which comes to the mortgage brokers'
attention in the processing of any application for a mortgage loan; and
to give such advice, whether or not requested, when the broker has
reason to believe that such disclosure is necessary to protect the
interest of his or her client. |
|
XI.
|
Take all
steps to avoid conflicts of interest with their clients, and if a
conflict of interest comes to the attention of a member, to promptly
disclose such conflict to all parties. |
|
XII.
|
Not engage
in activities that constitute the unauthorized practice of law, and
shall recommend that legal counsel be obtained when in their best and
honest judgment the interest of any party to a mortgage transaction
requires legal representation. |
|
XIII.
|
Cooperate in
all respects in the event a complaint is made to this association, and
place all pertinent facts and information relative to such complaint
before the association's duly appointed hearing board if a hearing is
held regarding any particular case. |
Adopted June
9, 1988 - NYAMB Board of Directors |
