About
免信用费，免申请费
★利率最低、费用最平、服务最佳
★专业服务、批准快捷、省时省心
★免费咨询、书面报价、交易公平
★利率最低、费用最平、服务最佳
★专业服务、批准快捷、省时省心
★免费咨询、书面报价、交易公平
新美贷款银行，是华人社区最具规模、历史最悠久的专业房贷银行。自1992年成立以来，横跨东西两岸，为数以万计的华人家庭实现了安居乐业的美国梦想。您，将是我们帮助园梦的下一个！
新美贷款银行是最大的华资华营房屋贷款银行之一，利率比市面各大银行低0.125-0.25之多，华人社区中有着良好的口碑。另有各种灵活的贷款方案、优惠的银行手续费，外加专人一对一贷款方案定制服务，帮助广大为房贷所苦的客户解决了后顾之忧。最快的贷款案例在2-3周内即完成。自1992年成立以来，新美已帮助无数华人在纽约获得理想家园。客户房产遍及曼哈顿、布鲁克林、法拉盛、皇后区、长岛、新泽西、史丹顿岛、纽约上州等各大热门房产地。 新美贷款银行成立于1992年，是华人社区房屋贷款的专业银行，且华资经营。据该公司负责人介绍，利用房屋贷款购屋历来是华人社区融入美国社会、投资兴业、发家致富的主要且行之有效的途径之一，为美国经济和华人立足于美做出了很大的贡献。在世界各地，凡华人居住的地区，房市总是欣欣向荣、蒸蒸日上，而且经久不衰。
25年前华人申请房贷甚为困难，缺少信用记录，少报税文件 ，无银行存款。 今天，报税少和存款少依然是部份华人申请房屋贷款的障碍。作为房屋专业贷款银行，新美不仅了解，并且尽可能接受其他银行所不理解、也不能接受的某些华人社区所特有的习俗和做法，比如特别喜爱学区房、宁可舍近求远或舍小求大、雇主提供免费住房、一人贷款众人资助等，新美会根据借款人的不同条件和情况，量体裁衣，提供相应的适合借款人情况的屋贷款方案，如针对某些华人报税不足。
各地区联系电话：
Headquarter地址：3660 Main Street, 3rd Floor Flushing, NY 11354
电话：718-888-0358 New York Branch
地址：15 Division St, 4th Floor New York, NY 10002
电话：212-608-5588
地址：136-20 38th Ave., Suite 11I Flushing, NY 11354
电话：718-888-0828 New Jersey Branch地址：1876 State Route 27, Suite 206 Edison, NJ 08817
电话：732-650-1837 Southern California Branch
地址：388 E Valley Blvd. Suite 121 Alhambra, CA 91801
电话：626-458-6878
地址：18888 Labin Ct., Suite B201 Rowland Heights, CA 91748
电话：626-269-9200 Northern California Branch
地址：1851 McCarthy Blvd. Suite 100 Milpitas, CA 95035
电话：408-434-9888
营业时间：
周一至周五：上午八点半~下午五点半 周六：上午十点~下午四点
(908) 845-5383Directions
Closed
| Monday | 8:30 AM – 5:30 PM |
| Tuesday | 8:30 AM – 5:30 PM |
| Wednesday | 8:30 AM – 5:30 PM |
| Thursday | 8:30 AM – 5:30 PM |
| Friday | 8:30 AM – 5:30 PM |
| Saturday | 10:00 AM – 12:00 AM |
| Sunday | 12:00 AM – 4:00 PM |
Accessibility
Wheelchair accessible entrance · Location
3660 Main Street，3rd Floor, Flushing, NY 11354, United StatesPhotos
Posts
房贷 房屋贷款／新美贷款银行 Summit Mortgage Bankers,Inc.／美国 纽约 房贷 房屋 贷款 银行 公司／不查收入贷款 小额贷款 贷款买房 免查收入贷款 抵押贷款 信用贷款 信贷
2 years ago
“Can I Use My Equity To Buy Another House?”
（1）
Buying a second home is a dream come true for many. Whether it’s a retirement home, a vacation home, or your first step toward real estate, investing in a second property is a notable achievement in ... more
房贷 房屋贷款／新美贷款银行 Summit Mortgage Bankers,Inc.／美国 纽约 房贷 房屋 贷款 银行 公司／不查收入贷款 小额贷款 贷款买房 免查收入贷款 抵押贷款 信用贷款 信贷
2 years ago
“Can I Use My Equity To Buy Another House?”
（1）
Buying a second home is a dream come true for many. Whether it’s a retirement home, a vacation home, or your first step toward real estate, investing in a second property is a notable achievement in ... more
房贷 房屋贷款／新美贷款银行 Summit Mortgage Bankers,Inc.／美国 纽约 房贷 房屋 贷款 银行 公司／不查收入贷款 小额贷款 贷款买房 免查收入贷款 抵押贷款 信用贷款 信贷
2 years ago
新美贷款银行 理想家园不是梦
免信用费，免申请费
★利率最低、费用最平、服务最佳
★专业服务、批准快捷、省时省心
★免费咨询、书面报价、交易公平
新美贷款银行，是华人社区最具规模、历史最悠久的专业房贷银行。自1992年成立以来，横跨东西两岸，为数以万计的华人家庭实现了安居乐业的美国梦想。您，将是我们帮助园梦的下一个！
新美贷款银行 Summit Mortgage Bankers,Inc. 房屋贷款 房贷／美国房贷 纽约房贷 房贷银行 不查收入贷款银行／纽约小额贷款 纽约贷款买房 免查... more
房贷 房屋贷款／新美贷款银行 Summit Mortgage Bankers,Inc.／美国 纽约 房贷 房屋 贷款 银行 公司／不查收入贷款 小额贷款 贷款买房 免查收入贷款 抵押贷款 信用贷款 信贷
2 years ago
Thinking About Refinancing Your Investment Property? Read This
（3）
You'll also need to provide documentation, such as:
Proof of income (all sources)
Copy of your homeowner's insurance
W-2s, tax returns, and 1099s
Statements from a... more
房贷 房屋贷款／新美贷款银行 Summit Mortgage Bankers,Inc.／美国 纽约 房贷 房屋 贷款 银行 公司／不查收入贷款 小额贷款 贷款买房 免查收入贷款 抵押贷款 信用贷款 信贷
2 years ago
Thinking About Refinancing Your Investment Property? Read This
(2)
What To Expect When Refinancing Your Rental Property
Many begin their investment property refi by researching its value and starting the mortgage application. Since the applicatio... more
房贷 房屋贷款／新美贷款银行 Summit Mortgage Bankers,Inc.／美国 纽约 房贷 房屋 贷款 银行 公司／不查收入贷款 小额贷款 贷款买房 免查收入贷款 抵押贷款 信用贷款 信贷
2 years ago
Thinking About Refinancing Your Investment Property? Read This
（1）
If you own an investment property, you already know that getting a mortgage for this type of property is different than a refi of a primary home. If you recall, the qualifying requ... more
Services
15 financed rental properties
90% LTV to non-permanent residents
Accept rental income for departing residence with no lease or deposit check required
Adjustable Rate Mortgages (ARM)
Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.
Alternate income documentation
Balloon Mortgages
Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.
Buy first investment property with no manging rental history
Cash out amount up to $4M
Commonly Used Indexes for ARMs
This article includes a list of the most commonly used indexes by ARM lenders that affect ARM mortgage rates.
Components of an ARM
Prior to choosing a home loan, you should know the advantages and risks of adjustable-rate mortgages to make an informed, prudent decision.
FHA Loans
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
Fixed Rate Mortgages (FRM)
The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.
Hybrid ARMs (3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM)
Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.
Interest Only Mortgages
Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.
LLC or Corporation vesting
Loans to OPT students
Non-warrantable condominium
One year tax return for self-employer
Reverse Mortgages
Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.
VA Loans
VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.
Google Reviews
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5 reviews
Alyona Golovareva
5 years ago
(Translated by Google) Before going to Xinmei, I had consulted some loan companies and banks, but my conditions were not very good and I had not filed enough taxes, so I was unable to apply. Fortunately, I saw an advertisement and it was close to Flushing, so I went to check it out. The result was surprisingly good.
(Original)
去新美之前我已经去咨询过一些贷款公司，银行也去过，但是我的条件不是很好，报税也少所以一直申请不下来。还好看到广告离法拉盛也近就去看了一下结果出乎意外地好
Юлия Яшинa
5 years ago
(Translated by Google) It’s good to use this loan company. I consulted many companies before I planned to refinance my house. Finally, I chose Xinmei Loan Bank to help me with my house loan with the mentality of giving it a try. Now all the applications have been completed. My expectations for loan interest were met and I am satisfied.
(Original)
还不错用了这家贷款公司，之前在打算房屋重贷之前也有咨询过很多家，最终还是抱着试试看的心态选择了新美贷款银行去帮我做房屋贷款，现在已经全部办理完毕，并达到了我对贷款利息的期望值，满意。
Inessa Erofeenko
5 years ago
(Translated by Google) Because of the loan matter, I went to many banks but I was still not satisfied. When choosing a broker, I chose Xinmei. They were familiar with the policies of many banks and chose the most suitable loan for me.
(Original)
因为贷款的事情，我跑了好多家银行但是还是不满意。在选择Broker的时候，挑中了新美，他们熟悉多家银行的政策，为我选择了最适合的贷款。
Alina Sergevnina
5 years ago
(Translated by Google) Xinmei Loan has helped many Chinese solve bandwidth problems
(Original)
新美贷款帮助很多华人解决了带宽问题
Tatyana Kobyakova
5 years ago
(Translated by Google) There are stores in New Jersey and California that make it easy to apply for a mortgage.
(Original)
在New Jersey和加州都有店申请房贷挺容易的
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