• Cash App

High Interest Rates

Are you unsure if you are being quoted the best rate or tired of being quoted high retail interest rates?

• Calendar

+30 Day Closings

Lenders always promise fast and easy closings but never deliver on time.

• Lock

Hidden Fees and High Closing Costs

Are you worried about hidden fees and high closing costs associated with your loan?

Lower Interest Rates

As a Mortgage Broker I am able to shop your loan scenerio to our partnered lenders. In doing so you are able to receive the best rate possible.

Faster Clear To Closes

Here at Madison Mortgage our average clear to close is achieved within 14 days. We are able to accomplish this by partnering with lenders such as United Wholesale Mortgage, the largest wholesale lender in the country.

Lower Closing Costs

The US Government recently did a study and found that homeowners who financed through a mortgage broker saved an average of $9,000 compared to those who worked with retail lenders.

• Document

Step 1

You will send over documents and get pre-approved by us. You can send documents virtually or set up an in person appointment with me.

• Home

Step 2

You will receive a pre-approval and can now shop with your realtor to find your dream home.

• Key

Step 3

Once your offer is accepted, send the executed contract to us we will disclose your file and work on closing it. Our average submittal to clear to close is within 14 days.

Homeone Program (First Time Homebuyer)

The HomeOne conventional loan program is designed specifically for first-time homebuyers. One of the key features of the HomeOne loan program is the low down payment requirement. With this program, borrowers can put down as little as 3% of the home's purchase price. Borrowers with a credit score of at least 620 can qualify for the program.

FHA Loan

FHA loan is a mortgage that is insured by the Federal Housing Administration (FHA). It's designed to help borrowers who may have difficulty qualifying for a traditional mortgage, especially those with lower credit scores or a smaller down payment. The minimum downpayment for this type of loan is 3.5% but you must pay MIP (mortgage insurance premiums) for the lifetime of the loan.

Conventional Loan

Unlike the FHA loan that is backed by the federal government, conventional loans are privately funded. This allows for flexibility and fewer restrictions for borrowers. The typical downpayment is 5% for conventional loans. With conventional loans you will need to pay PMI (private mortgage insurance) until you reach 20% equity in the home. If you decide to put a 20% downpayment on your home you do not need to pay for PMI.

Hi, Future Realtor Partners

Hey there, my name is Brendon Luu and I'm born and raised in Bay Shore. I am a Chaminade High School Alumni and attended Colgate and Hofstra University where I played lacrosse.When I was just 19 years old, I got my start in the mortgage industry by getting my mortgage loan originators license. I worked at a few different retail banks like Nationwide and United Mortgage, but I quickly realized that they all offered the same thing to their clients.I wanted to be able to provide a more personalized and high-quality service, so I made the switch to Madison Mortgage and became a mortgage broker. This allows me to really get to know my clients and offer them a level of service and affordability that goes beyond what traditional banks can offer.I'm really passionate about building long-lasting relationships with my clients and realtor partners. I love helping people achieve their goals and grow my business alongside theirs.