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Finding the right mortgage lender shouldn’t feel overwhelming — whether you’re right here on Long Island or anywhere across the country. At East Coast Capital, we combine the strength and resources of a licensed nationwide mortgage lender with the personalized, community-driven expertise that Long Island homebuyers, refinancers, and investors deserve.
Headquartered in Melville, New York, with branch offices and dedicated Mortgage Loan Officers (MLOs) serving New York, New Jersey, Florida, Nevada, Maryland, Ohio, Massachusetts, South Carolina, and beyond — we bring local knowledge and national reach to every single client relationship. Whether you’re buying your first home in Huntington, refinancing in Boca Raton, or investing in Columbus, East Coast Capital is your trusted mortgage partner every step of the way.
Mortgage Lending, Made Personal.
When it comes to financing your home, you deserve a lender who understands your local market, respects your time, and puts your financial goals first — no matter where you live. East Coast Capital has earned the trust of tens of thousands of borrowers across Long Island and the nation by delivering exactly that, every single time.
Our Corporate Headquarters in Melville, New York puts us at the heart of Long Island — where we’ve built deep relationships within the local real estate communities of Nassau and Suffolk Counties for over 25 years. We understand the unique dynamics of Long Island real estate: from the diverse types of real estate to the specific closing customs that make transactions here distinctive.
But our reach doesn’t stop at the Long Island border. East Coast Capital is a fully licensed mortgage banker operating branch offices across New York, New Jersey, Florida, Nevada, Maryland, Ohio, Massachusetts, and South Carolina. In over 40 States across the nation, we make loans to buy or refinance real estate. Wherever you are, a dedicated ECC loan officer is ready to serve you with the same level of care and expertise that has defined our reputation on Long Island.
As a direct mortgage banker — not a broker — East Coast Capital handles your loan from start to finish. This means no third-party middlemen, no unnecessary markups, and more competitive rates for our clients across every state we serve. Our national scale gives us access to a broad range of loan products and pricing that mortgage brokers simply cannot match, while our local expertise ensures you receive guidance tailored to your specific market — whether that’s Long Island, New Jersey, Florida, or beyond.
From first-time buyers on Long Island to seasoned investors in Florida, self-employed professionals in New Jersey to veterans in Ohio — our comprehensive suite of loan programs is designed to serve borrowers at every stage of life and in every financial situation. FHA, VA, Conventional, Non-QM, Renovation, and Reverse Mortgage programs are all available, with expert mortgage professionals in most states ready to guide you to the right solution.
Our fully digital application and pre-approval process means you can get started from anywhere — Long Island, New Jersey, Florida, or any of the states we serve. Pre-approvals are typically issued within hours, giving you the confidence and competitive edge you need in today’s fast-moving real estate markets.
Whether you’re buying your first home on Long Island, refinancing a property in New Jersey, or investing in real estate in Florida — East Coast Capital has the right loan program for you. Our full suite of mortgage products is available across all the states we serve, delivered by licensed mortgage professionals who understand your local market.
Ideal for first-time homebuyers with limited down payment savings. FHA loans offer down payments as low as 3.5%, flexible credit requirements, and competitive rates. Our FHA specialists serve Long Island and all states where East Coast Capital is licensed — helping families across the country achieve homeownership when traditional financing may feel out of reach.
Exclusively for veterans and active military members, VA loans can offer zero down payment, no mortgage insurance, and super competitive rates. East Coast Capital is proud to serve those who’ve served our country — with VA loan specialists available at our branches in New York, New Jersey, Florida, Nevada, Maryland, Ohio, Massachusetts, South Carolina, and beyond.
For borrowers with solid credit and stable income, conventional loans offer flexibility, competitive rates, and favorable terms. We offer both conforming and high balance loans (in some markets) — whether you’re buying a home on Long Island, a luxury property in Boca Raton, or an investment property in Columbus.
Self-employed? Freelancer? Complex income? Our Non-QM programs are designed for borrowers whose income doesn’t fit the standard W-2 or 1040 format. With mortgage professionals in multiple states, we help self-employed professionals, business owners, and commission-based earners across Long Island and nationwide achieve homeownership on their terms.
Whether you want to lower your monthly payment, shorten your loan term, access home equity, consolidate debt or switch from an adjustable to a fixed rate — our refinance specialists serve borrowers across all states where East Coast Capital is licensed. Let us show you what you could save or cash out, with no obligation.
Finance both the purchase and renovation of a home — or pay for updates and upgrades to your current property — in a single convenient loan. Available to borrowers across our full service footprint, from Long Island to Florida to Ohio, and beyond.
For homeowners aged 62 or older, a reverse mortgage can provide the financial flexibility you need in retirement. Convert your home equity into cash without monthly mortgage payments of principal and interest — available to qualifying homeowners across the states East Coast Capital serves.
East Coast Capital is proud to be more than a Long Island mortgage lender — we are a fully licensed, nationwide mortgage banking institution with dedicated mortgage professionals and branch offices serving communities from coast to coast. Our roots are here on Long Island, but our commitment to personalized, expert mortgage lending extends to every state we serve.
No matter where you are in your homeownership journey — or where in the country you call home — an East Coast Capital loan officer is ready to guide you in the states we serve with the same level of care, expertise, and integrity that has defined our brand for over 25 years.
East Coast Capital is proud to be more than a Long Island mortgage lender — we are a fully licensed, nationwide mortgage banking institution with dedicated mortgage professionals and branch offices serving communities from coast to coast. Our roots are here on Long Island, but our commitment to personalized, expert mortgage lending extends to every state we serve.
No matter where you are in your homeownership journey — or where in the country you call home — an East Coast Capital loan officer is ready to guide you in the states we serve with the same level of care, expertise, and integrity that has defined our brand for over 25 years.
| Location | State | NMLS ID |
|---|---|---|
| Melville, NY (Corporate HQ) | New York | 1403 |
| Oceanside, NY | New York | 1520803 |
| New Hyde Park, NY | New York | 93759 |
| East Northport, NY | New York | 1688162 |
| Central Valley, NY | New York | 2615115 |
| River Edge, NJ | New Jersey | 1811635 |
| Trenton, NJ | New Jersey | 2335490 |
| Boca Raton, FL | Florida | 1600651 |
| St. Petersburg, FL | Florida | 2664855 |
| Henderson, NV | Nevada | 1953888 |
| North Dartmouth, MA | Massachusetts | 1810279 |
| Baltimore, MD | Maryland | 2636960 |
| Westerville, OH | Ohio | 1092216 |
| Columbus, OH | Ohio | 2220780 |
| Hilton Head Island, SC | South Carolina | 2603566 |
Every borrower’s journey is different. Whether you’re a first-time homebuyer on Long Island, a homeowner refinancing in New Jersey, a veteran purchasing in Florida, or an investor growing a portfolio in Ohio — East Coast Capital has the expertise, the loan programs, and the dedicated mortgage professionals to support your specific goals in your specific market.
Buying your first home is one of life’s most exciting milestones. Our first-time homebuyer specialists are available across all our branch locations — from Long Island to New Jersey, Florida, Nevada, Maryland, Ohio, Massachusetts, and South Carolina. in over 40 states across the nation, we offer flexible loan programs like FHA financing, educational resources, and patient guidance to help you navigate the entire process with confidence, no matter where you’re buying.
If you own a home — whether on Long Island or in any of the over 40 states East Coast Capital serves — refinancing could unlock significant savings or help you achieve new financial goals. Our refinance specialists understand local market conditions in New York, New Jersey, Florida, and beyond, and can show you your options with no obligation.
Building a real estate investment portfolio requires a lender who understands investment properties and local market dynamics. Our investment specialists serve investors across New York, New Jersey, Florida, Nevada, Ohio, and more — with competitive rates, flexible terms, and the expertise to help your portfolio grow in any market.
We are proud to serve those who’ve served our country — wherever they call home. Our VA loan specialists are available across all East Coast Capital branch locations, from Long Island to South Carolina, Florida to Nevada. Zero down payment, no PMI, and competitive rates — the benefits you’ve earned, delivered by experts who understand VA financing.
Whether you’re a self-employed business owner on Long Island, a freelancer in New Jersey, or a commission-based professional in Florida — our Non-QM loan programs are built for you. East Coast Capital looks at your full financial picture, not just a W-2 or 1040, and our mortgage professionals are experienced in structuring loans for borrowers with non-traditional income profiles in over 40 states.
In a crowded mortgage market, what makes East Coast Capital the right choice — whether you’re on Long Island or in any of the over 40 states we serve? It’s our combination of local expertise, national resources, transparent practices, and genuine commitment to your success — not just your transaction.
Since our founding in 1999, East Coast Capital has built a reputation for reliability, integrity, and results. Our leadership team brings decades of mortgage industry experience, and our loan officers — stationed across 15 branch locations — are among the most knowledgeable and dedicated professionals in the business. This depth of experience translates to better guidance, faster closings, and creative solutions for complex lending situations, no matter where you are in over 40 states.
East Coast Capital is a fully licensed mortgage banker regulated by the New York State Department of Financial Services, with additional state licenses across New Jersey, Florida, Nevada, Maryland, Ohio, Massachusetts, South Carolina, and more. As a direct lender — not a broker — we handle your loan from start to finish, giving us greater control over rates, terms, and the speed of your transaction. Our nationwide licensing means you can count on East Coast Capital whether you’re buying on Long Island or relocating to another state.
Every state we serve has dedicated, experienced Mortgage Loan Officers who understand local market conditions, regulations, and real estate customs. Whether you’re working with our Long Island team in Melville, our New Jersey offices in River Edge or Trenton, our Florida branches in Boca Raton or St. Petersburg, or any of our other locations — you’ll work with a local expert backed by national resources.
We believe in clear communication and honest pricing — in every state we operate. You’ll never encounter hidden fees or surprise costs at closing. Our loan officers provide detailed, itemized estimates and disclosures upfront and explain every aspect of your mortgage terms, so you can make informed decisions with complete confidence.
Our fully digital application, document submission, and e-signature capabilities mean you can start your mortgage journey from anywhere — Long Island, New Jersey, Florida, Nevada, or beyond. Pre-approvals are typically issued within hours, giving you the competitive edge you need in any market.
We believe in clear communication and honest pricing — in every state we operate. You’ll never encounter hidden fees or surprise costs at closing. Our loan officers provide detailed, itemized estimates and disclosures upfront and explain every aspect of your mortgage terms, so you can make informed decisions with complete confidence.
East Coast Capital is an Equal Housing Lender committed to fair lending practices across every state we serve. We believe homeownership should be accessible to everyone who qualifies — and we work hard every day to make that a reality, from Long Island to the rest of the nation.
Have questions about the mortgage process? You’re not alone. Here are answers to the most common questions we hear from homebuyers, refinancers, and investors — on Long Island and across the country.
East Coast Capital is a licensed mortgage banker in over 40 states with 14 branch locations in New York, New Jersey, Florida, Nevada, Maryland, Ohio, Massachusetts and South Carolina. Our Corporate Headquarters is in Melville, New York (Long Island). Visit our Locations page to find a branch or loan officer near you.
East Coast Capital is a mortgage banker, which means we handle your loan from start to finish. This is different from a mortgage broker, who arranges loans through third-party lenders. As a direct lender, we have more control over rates, terms, and the lending process — which often means better pricing and faster closings for our clients, whether they’re on Long Island or in any other state we serve.
Our streamlined, fully digital pre-approval process typically takes 24 hours or less — available to borrowers in all states East Coast Capital serves. You can start your application online from anywhere, and our team will contact you to verify your information and provide your pre-approval letter.
Credit score requirements vary by loan program. FHA loans accept lower credit scores, while conventional loans typically require 620 or higher. VA loans have no minimum credit score set by the VA, though individual lenders may have their own guidelines. Our MLOs in every state can review your specific situation and recommend the best program for you.
Absolutely. Self-employed borrowers may qualify for a conventional loan. Non-QM loan programs are specifically designed for self-employed borrowers and those with non-traditional income sources — both are available across all states East Coast Capital serves. We look at your overall financial capacity and business stability, not just standard W-2 and1040 documentation.
Yes — and this is one of our key strengths. If you’re relocating from Long Island to Florida, New Jersey, Nevada, Maryland, Ohio, Massachusetts, South Carolina, or another state where we’re licensed, your East Coast Capital loan officer can often continue working with you or seamlessly connect you with another dedicated East Coast Capital loan officer in your destination state. We make the transition as smooth as possible.
Mortgage rates change daily based on market conditions and your individual profile — including your credit score, loan type, down payment, property details, and the state you’re purchasing in, just to name a few factors. For current rates tailored to your specific situation, contact one of our loan officers directly.
Whether refinancing makes sense depends on current interest rates, your loan’s remaining term, your credit score, and your financial goals. Our refinance specialists serve borrowers across Long Island and all states we’re licensed in — and can run a detailed analysis to show you exactly what you could save, with no obligation.
Generally, you’ll need recent pay stubs (last 30 days), tax returns for the past two years, bank statements (last 2–3 months), and a valid government-issued ID. If you’re self-employed, additional business documentation may be required. Our loan officers will provide a complete, personalized checklist — and we accept digital submissions to make the process convenient no matter where you’re located.
East Coast Capital is currently licensed in over 40 states. Visit our Locations page or contact us directly to confirm current licensing in your state. We are continually expanding our footprint to serve more communities across the country.
Don’t just take our word for it. Tens of thousands of borrowers — from first-time homebuyers on Long Island to investors in Florida and veterans in New Jersey — have trusted East Coast Capital to guide them through one of the most important financial decisions of their lives. Here’s what they have to say.
Whether you’re buying your first home on Long Island, refinancing a property in New Jersey, investing in Florida, or relocating to any of the states East Coast Capital serves — our team is ready to help. Getting started is simple, and there’s absolutely no obligation. Take the next step that makes sense for you.
Start your pre-approval in minutes with our fully digital application — available to borrowers in all states we serve. Get a clear picture of your borrowing power in as little as 24 hours.
Our experienced MLOs are stationed across Long Island, New Jersey, Florida, Nevada, Maryland, Ohio, Massachusetts, South Carolina, and more. Find the right loan officer for your market today.
Not quite ready to apply? Explore our guides, blog, and educational resources to learn more about mortgages, the home buying process, and the markets we serve across the country.
2 Corporate Center Drive, Suite 110
Melville, NY 11747
Phone: 877-781-7788
Local: 516-753-6160
Branch offices also located in:
Oceanside, NY | New Hyde Park, NY | East Northport, NY | Central Valley, NY
River Edge, NJ | Trenton, NJ | Boca Raton, FL | St. Petersburg, FL
Henderson, NV | North Dartmouth, MA | Baltimore, MD
Westerville, OH | Columbus, OH | Hilton Head Island, SC
Legal Disclosures
East Coast Capital is a Licensed Mortgage Banker regulated by the New York State Department of Financial Services (NYDFS). NMLS #1403. Licensed in New York and Massachusetts (License # MB1403). Additional state licenses: New Jersey, Florida, Nevada, Maryland, Ohio, and South Carolina. For a complete list of state licenses and disclosures, please contact us directly.
East Coast Capital is an Equal Housing Lender. We are committed to fair lending practices and comply with all applicable federal and state mortgage lending laws, including the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Fair Credit Reporting Act (FCRA), and the Fair Housing Act.
Mortgage rates, terms, and loan programs are subject to change without notice. Rates vary based on creditworthiness, loan amount, loan term, property type, occupancy status, state of property, and other factors. This page does not constitute an offer to lend. All loan applications are subject to credit approval and underwriting review. Not all loan programs are available in all states.
Pursuant to New York law, all mortgage applicants will receive a “What Mortgage Applicants Need to Know” disclosure pamphlet within three business days of application submission.
For questions about our licensing or to file a complaint, contact the New York State Department of Financial Services at www.dfs.ny.gov.
