Arlington Financial

Your Mortgage Solution

Building a strong reputation as a diversified mortgage company,
serving the needs of home buyers since 1992.

NMLS #5722
Better Business Bureau A+ Rating
Equal Housing Lender
NYAMB
NYAMB Broker of The Year

Why Choose Arlington Financial for a mortgage?

The hype that borrowers should not use a broker because the bank is cheaper, is not true. We can match most banks and in some cases beat them.

As a mortgage broker we can check your credit, employment, assets, down payment, property appraisal, etc. From that point, we can determine which bank to send your file to, and guess who does the processing for the bank? We do. Every pleasure is to be welcomed and every pain avoided.

Low to No Credit Score

Low Down Payment and Costs

No Hidden Charges or Fees

Frequently Asked Questions


How do I know how much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

What is the difference between a fixed-rate loan and an adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

How is an index and margin used in an ARM?

An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

How do I know which type of mortgage is best for me?

There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Arlington Financial can help you evaluate your choices and help you make the most appropriate decision.

What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include three separate parts:

  • Principal: payment on the amount borrowed.
  • Interest: payment to the lender for the amount borrowed.
  • Taxes & Insurance: monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.
What is a conventional vs. a non-conventional mortgage?

When you look into the types of mortgage loans available on the market, you have either loans that are insured (or, backed) by the federal government, or those offered by private mortgage lenders such as banks, credit unions or other lending institutions.

Loan options that are backed by the government include FHA loans and VA loans, guaranteed by either the Federal Housing Authority or the US Department of Veterans Affairs.

Is this website secure?

Our website is very secure. We ensures that all data transferred on this website remains private. Click here to read more.

Established in 1992

Arlington Financial has built a strong reputation as an outstanding diversified mortgage company serving the lending needs of real estate professionals, builders, law firms and individual home buyers for [work_experience]+ years.

Arlington Financial Office

We're a full service mortgage brokerage company with an experienced staff offering expertise in every area of mortgage brokering – from purchases to refinances. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan – with the best rates, terms and costs – to meet our clients’ unique needs. But that’s just the beginning of our service, throughout the lending process we provide regular loan updates and progress reports so clients always know the status of their loan.

We are are currently licensed in...

  • Connecticut: License #MB-3203
    Licensed as a Mortgage Broker by the Department of Banking

  • Florida: License #MBR-564
    Licensed as a Mortgage Broker by the Office of Financial Regulation

  • New Jersey: License #NMLS ID-5722
    Licensed by the N.J. Department of Banking and Insurance

  • New York: License #A003934
    Registered Mortgage Broker-NYS Department of Financial Services

Arlington Financial (NMLS: 5722) is a licensed mortgage broker in CT, FL, NJ, & NY and arranges all loans with 3rd party providers. Arlington Financial will not make any commitments or fund any loans under advertised programs.

Get Your Loan Estimate Today

Arlington Financial provides an upfront loan estimate showing everything from your down payment and loan amount to your mortgage tax and attorney fees. This will give you an idea of what your out of pocket costs and monthly payment are going to be in relation to your purchase or refinance. We are advocates of complete transparency in educating you with reference to your Mortgage process.

Our Mortgage Services


Mortgage Brokering

Intermediary between you, title company, appraiser, attorney, and bank to ensure your mortgage goes through.

Reverse Mortgages

Like a traditional mortgage, allows homeowners to borrow money using their home as security for the loan.

Residential Mortgages

It can be a one to four family, co-op, or condo that covers loans used to refinance an existing mortgage on a residence.

Investment Mortgages

These are non-owner occupied properties such as a one to four family, a co-op, or a condo.

From Our Clients


  • After having a pre-approval for months working with a bigger bank, I got denied a mortgage last minute - I thought everything was over and I would lose my down payment. I was directed to Arlington Financial by chance and how lucky was I to have met such a friendly, supportive, and professional group to work with securing a mortgage.

    A Life Saver!

  • Since I am a first time home buyer I needed much guidance through this grueling process. Arlington Financial was there for each step and made this process easier then I could've ever hoped for. Thank you for all you've done and know that in the future I will be using this Arlington Financial for my future purchases.

    Over The Top!

  • The procedure and help I receive was extremely professional from start to finish. In our initial meeting they took the time to really understand my financial needs and I was given all the advice and guidance I needed. The communication throughout was excellent and they kept me informed at every stage of the process.

    Excellent Service

  • My agent at Arlington Financial has always explained things very well. They will go over anything you are having trouble understanding during the loan process. I look to Arlington Financial to provide honest and reliable information and have never been disappointed.

    Very Professional & Reliable

Meet The Team


Sean J. O'Sullivan

Sean J. O'Sullivan

President

  • NMLS: 26742

  • (914) 793-1122 Ext. 222

Ray A. Galluzzo

Ray A. Galluzzo

Vice President

  • NMLS: 11010

  • (914) 793-1122 Ext. 223

Sam (Husam) Hattar

Roberto Nascimento

Reverse Mortgage Specialist

  • NMLS: 67811

  • (914) 793-1122 Ext. 224

Sam (Husam) Hattar

Husam (Sam) Hattar

Sr. Loan Officer

  • NMLS: 87413

  • (914) 793-1122 Ext. 225

Rehanna B. Ebrahim

Rehanna B. Ebrahim

Sr. Loan Officer

  • NMLS: 2242955

  • (914) 793-1122 Ext. 229

Marc E. Giles

Marc E. Giles

Sr. Loan Officer

  • NMLS: 97969

  • (914) 793-1122 Ext. 234

Jamie D. Sanders

Jamie D. Sanders

Sr. Loan Officer

  • NMLS: 1833016

  • (914) 793-1122 Ext. 235

Justin M. Kilian

Justin M. Kilian

Sr. Loan Officer

  • NMLS: 1688270

  • (914) 793-1122 Ext. 236

Thomas E. Garvey

Thomas E. Garvey

Loan Officer

  • NMLS: 885337

  • (914) 793-1122 Ext. 233

Mel Kennedy

Mel Kennedy

Senior Loan Processor

  • (914) 793-1122 Ext. 228

Join The Team

Licensed in four states and counting, Arlington Financial is growing its business and is looking for NMLS licensed loan officers and processors to work with established referral relationships the company already has in place.

Contact Us Today


35 E Grassy Sprian Rd #300
Yonkers, NY 10710

Monday - Friday: 9:00 AM - 5:00 PM
Saturday - Sunday: Closed

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Call: +1 (914) 793-1122

Fax: +1 (914) 793-4774