“Had a pleasure working with Lou. He got me a closing date in a month. Very Freindly, cares, Knowledgeable, and overall a awesome person, I highly recommend Lou Cirillo!!!!!”
Where Bay Shore goes for mortgages and home loans!
Jet Direct Mortgage loves Bay Shore! With its wealth of fine restaurants, retail shops, community events, vibrant downtown and more right on the water – Bay Shore has it all!
Established in 1708, Bay Shore has steadfastly retained its unique heritage while evolving into a model American community and proud home to Jet Direct Mortgage.
Located 43 miles east of New York City, Bay Shore can be easily reached by car, train, air or water. Centrally located in the heart of Long Island’s South Shore affords its residents both the proximity to many metropolitan offerings and the pleasures of a waterfront community. Bay Shore includes the picturesque mile-square Incorporated Village of Brightwaters and is just a short ferry ride across the bay from Fire Island. With a culturally diverse blend of newer residents, Bay Shore is today, as always, a caring community united in spirit, purpose and values – ones shared by Jet Direct Mortgage.
What Jet Direct Offers
Your FHA Experts
FHA loans allow potential homebuyers to purchase a home without a very large down payment which is a relief to low-income families who wish to purchase a home.
VA Home Loans
Veterans can choose to construct, buy, repair, or refurbish a home with the help of the VA loan.
Conventional Home Loans
A conventional loan is simply a mortgage that is not insured or backed up in any way by a government agency such as the Federal Housing Administration or the FHA. Unlike government-backed loans, the terms and conditions in a conventional loan are defined by the lenders than government agencies.
HECM Reverse Mortgages
A reverse mortgage is a type of loan in which a borrower with a sizable home equity is granted a loan based on the value of the borrower’s property. The amount is loan either as a lump sum or in terms of monthly installments.
FHA 203k Rehab Loans
The FHA 203K loan or the Federal Housing Administration’s 203k Rehabilitation Mortgage Insurance Program is a loan created by the Federal Housing Administration to help homeowners with the rehabilitation, renovation, and repair of their homes.
What people are saying about Jet Direct Mortgage
“Phil and his staff did a great job! I’d highly recommend them to anyone looking to get a mortgage in this highly competitive real estate market. He’ll do what’s in the best interest of his client and make sure you’re able to get the home you want.”
“Enid was fantastic from the second we made our first phone call. She took the time to walk us step-by-step throughout each piece of the application process, while carefully explaining what each section meant. Enid kept in contact regarding paper work that was needed on our end. She even brought bagels for us to our closing! All in all Enid Adinolfi is HIGHLY recommended for your mortgage needs. I already referred her to a co-worker.”
“Aczel has been every step of the way with Us from the first time we refinance 4years ago, we just refinace again to cut the years, and our experience can’t be much better, he has been cortageu, always ready to answer our questions , and also one phone call away, I will do it again if I have to , he and his company has been doin ok fast that we closed really fast, with no problem , I want to said more but I can’t find all the words for how grateful we are with Aczel and all the job that he has done for Us, I just want to said Thank youuuuu, you really are the BEST.”
“Phil made this process of refinancing which seemed so daunting one of simplicity with his wealth of knowledge, brilliant recommendations, thoroughness, expertise, efficiency and effectiveness not to mention his absolute honesty and ethics. We couldn’t possibly ask for more. We sincerely thank you Phil for this comprehensive experience.”
“My husband and I were referred by our selling agent to speak with Enid of Jet Direct Mortgage for financial advice, before moving forward in buying our first home. Enid went above and beyond, answering our countless questions, showing genuine concern regarding our limited time to move out of our rental – going from contract to closing in 35 days! We don’t know how she pulled it off, but our monthly mortgage was significantly and surprisingly less than estimated. Enid’s knowledge and financial advice surpassed our expectations. We highly recommend Enid and the staff at Jet Direct Mortgage.”
“Where do I begin? This process was new to me so I had a ton of questions and didn’t quite understand some of the process involved in buying a home. Louis would promptly answer any of my emails or calls at anytime and was there with me every step of the way to guide me and help me to understand anything I had questions about. I never felt uncomfortable asking all the questions I had and he always answered everything very clearly which made the whole process seem like a piece of cake. He went out of his way and was able to get more than we originally were qualified for which is why we are in the home we are in today. When it came time to closing he worked fast for us to speed up the process. I cannot recommend him enough. If it wasn’t for him we would not be where we are today. Thank you so much for everything you have done for us Louis! We will be looking forward to working with you in any future home purchases.”
“Home buyers need friends to guide them through the process and Tony is nothing but the very best!! He took the time to listen, understand, and explain every detail that we needed to know and he prepared us for what to expect. He made himself available and was extremely patient. It was evident that he genuinely cared and was going out of his way to help us achieve our goals! Thank you, Tony!!!”
Quality You Can Trust!
Jet Direct Mortgage Is Your Local Direct Lender
Jet Direct Mortgage has a wide range of loan programs to find the one that is perfect for you to build your dreams around – with the unmatched service to make the process as stress free as possible!
How much house can you afford?
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