Arlington Financial

We make the mortgage process simple
and excel where big banks fall short

Our Mortgage Services


We guide first-time homebuyers through the mortgage process with personalized support and tailored financing options, making your dream home a reality.


We offer a diverse range of mortgage solutions for single-family homes, ensuring a seamless financing experience for both first-time and repeat homebuyers.


We expertly navigate the unique challenges of 1-4 family investment property financing to help you build wealth through strategic real estate investments.


We help homeowners save money, lower monthly payments, or tap into their home equity with tailored refinancing solutions that meet their financial goals.


We support clients with high-value property financing through our expertise in jumbo loan options and personalized strategies.


We unlock the value in your home with our expert guidance on reverse mortgages, providing financial flexibility and peace of mind for homeowners aged 62 and older.

for Mortgage

We provide fast and efficient pre-qualification services, giving you the confidence and credibility needed when making offers on your desired property.

& Resources

We empower clients with the knowledge and tools needed for informed decision-making, from mortgage basics to complex financing scenarios.

Choose Your Loan Officer

Sean J. O'Sullivan

Sean J. O'Sullivan


Ray A. Galluzzo

Ray A. Galluzzo

Vice President

Husam Hattar

Husam "Sam" Hattar

Sr. Loan Officer

Roberto Nascimento

Roberto Nascimento

Reverse Mortgage Specialist

Marc E. Giles

Marc E. Giles

Sr. Loan Officer

Mel Kennedy

Melquis "Mel" Kennedy

Sr. Loan Officer

Rehanna B. Ebrahim

Rehanna B. Ebrahim

Sr. Loan Officer

Justin M. Kilian

Justin M. Kilian

Sr. Loan Officer

Kevin J. Kernan

Kevin J. Kernan

Sr. Loan Officer

Thomas E. Garvey

Thomas "Tom" E. Garvey

Loan Officer

Our Story

From Humble Beginnings to Trusted Mortgage Experts

Founded in 1992, Arlington Financial is a trusted boutique mortgage company that excels in personalized service and attention to detail. Our mission has always been to help people achieve their dreams through home ownership. We are proud to have built a strong reputation as an outstanding diversified mortgage company serving individual home buyers.

NYAMB Broker of The Year

Comprehensive Mortgage Solutions

As a full-service mortgage brokerage company, our experienced staff offers expertise in every area of mortgage brokering, from purchases to refinances. We have access to a wide range of mortgage sources, and our lending specialists are dedicated to finding the perfect loan – with the best rates, terms, and costs – to meet our clients' unique needs. Throughout the lending process, we provide regular loan updates and progress reports to ensure clients always know the status of their loans.

Qualify with low or no credit score

Low down payment options available

Clear pricing, no hidden fees

Why Choose Us

We understand that mortgages can be complex and overwhelming, especially since they're only relevant a few times in your life. We're here to guide you through the process, make it easy, and leave you feeling empowered.

  • 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

Flexible & Competitive

We work for you, not the bank. As an independent mortgage broker, we have the flexibility to shop rates and terms from multiple lenders, ensuring you get the best deal possible.

Fast & Efficient

We leverage technology and the relationships we've built with our lenders, underwriters, and closing attorneys to help you close faster and with less hassle.

Local & Independent

We live & work in the community we serve, and we are privately owned & operated. There are no outside interests we serve other than yours, we win when you win.

Support & Guidance

We help you navigate the loan process from start to end, advocate on your behalf, and help you make sense of everything that's required to get you to the finish line.

Contact Us Today

35 E Grassy Sprian Rd #300
Yonkers, NY 10710

Mon - Fri: 9 AM - 5 PM
Sat - Sun: Closed

Frequently Asked Questions

What is a mortgage and how does it work?

A mortgage is a loan taken out to buy a property or land. The loan is secured against the value of the property, which means if you are unable to repay the loan, the lender may repossess the property. Mortgages are repaid over a set term, usually between 15-30 years, through monthly payments. 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: a portion of your monthly payment is moved 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.

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 a down payment, and how much do I need?

A down payment is an upfront payment made when purchasing a home, representing a percentage of the home's purchase price. Traditionally, a 20% down payment is recommended, but first-time homebuyers can often qualify for loans with lower down payment requirements, such as 3.5% for FHA loans or even 0% for VA loans.

What is a debt-to-income ratio?

Your debt-to-income ratio is a key factor in determining your ability to qualify for a mortgage. It's a measure of how much you owe each month compared to how much you earn. To calculate your debt-to-income ratio, you'll need to add up all of your monthly debt payments (such as your estimated mortgage, credit cards, student loans, and car loans, etc.) and divide that by your gross monthly income. The resulting percentage is your debt-to-income ratio.

Most lenders prefer to see a debt-to-income ratio of below 43%, but there are some programs that allow for higher ratios. If your debt-to-income ratio is too high, it may be challenging to qualify for a mortgage or to secure favorable loan terms.

Our team can help you calculate your debt-to-income ratio and provide guidance on which loan programs you may qualify for based on your ratio. It's essential to keep your debt-to-income ratio in check, as it's a critical factor in determining your financial health and your ability to repay a mortgage.

Fixed-rate vs. adjustable-rate mortgages: What's the difference?

When considering a mortgage, you'll encounter two primary interest rate options: fixed-rate and adjustable-rate mortgages. A fixed-rate mortgage offers a stable interest rate that remains constant throughout the loan's term, resulting in predictable monthly payments. On the other hand, an adjustable-rate mortgage (ARM) has an interest rate that fluctuates based on market conditions, typically after an initial fixed-rate period. While an ARM can provide initial lower monthly payments, it's essential to understand that those may increase in the future. We can help you weigh the pros and cons of each option and determine the best fit for your unique situation.

How does your credit score impact mortgage approval?

Your credit score is a significant factor in determining your ability to qualify for a loan, the loan type you may be eligible for, and the interest rate you'll receive. Lenders use your credit score to evaluate the level of risk they may be taking on when lending you money. Generally, higher credit scores may lead to better rates, but it's still possible to qualify for a mortgage loan even if your credit score isn't perfect.

At our company, we understand that credit scores can fluctuate and that there may be various reasons why your score is lower than you'd like. That's why we work with a range of lenders and loan programs to help you find the right mortgage option that suits your unique financial situation. Our team can explain the impact of credit scores on mortgage loan eligibility and help you navigate the process to secure favorable loan terms.

What is the role of a mortgage broker?

A mortgage broker can help simplify the process and advocate on your behalf. As a licensed professional, a mortgage broker works to understand your unique needs and financial goals to identify the best mortgage options for you.

With access to a wide range of lenders and loan products, mortgage brokers have the ability to negotiate better terms and rates on your behalf, as opposed to mortgage bankers who are limited by the products offered by their particular lending institution. This can help save you time and money in the long run. If you're considering a mortgage, let us help you navigate the complex landscape of mortgage options and find the best fit for you.