Shmuel brings over 25 years of Mortgage and Real Estate experience in the tri-state area to Approved Funding. As a Mortgage Banker, clients experience superior service and exceptional rates based on a trusted consultative approach, with specialized mortgage certification. Approved Funding is a Licensed Mortgage Banker and Direct Lender in New York, New Jersey, Connecticut, Florida and Pennsylvania. Approved Funding boasts an approval rating of over 97% of loans submitted to underwriting. We process all our mortgage loan applications in house! In-house mortgage underwriting! We sign the check at mortgage closing! As a result of our service and low rates, almost 100% of our business is referral based from local Realtors, Attorneys, Insurance agents, Real Estate Agents, past client, and the like.Specialties include: - Conventional, FHA, VA, Agency Jumbo, Super Jumbo Non Conventional, HARP, DU Refi, Stated Income, Mortgages- HUD Approved & Direct Endorsed Lending Institution- Mortgage Pre-Qualification & Pre-Approval for Realtors or Home Sellers-Special FTHB programs in New York and New Jersey- Mortgage Education for first-time homebuyers, Interest Rate Lock and Rate Lock Management,- Mortgage Banker, Direct Lender, Mortgage Broker of Residential and Commercial MortgagesTarget Areas/Offices/Consultants/Locations Include: (Note however we can lend throughout each of these states)- New Jersey: Teaneck, NJ; Bergenfield, NJ; Englewood, NJ; New Milford, NJ; Tenafly, NJ; Fort Lee; Fair Lawn, NJ; - New York: Brooklyn, NY; Queens NY; Staten Island NY; Long Island NY; New York NY; Bronx NY; Rockland NY; Westchester NY; Monsey NY; Woodmere NY; Lawrence NY; West Hempstead NY; Pamona NY;- CT, FL, PASpecialties: National and Regional LendingConventional, Jumbo, FHA, VA, HUD, Portfolio, Hard Money, Asset Based, Non Conventional lending. Specialties include Residential and Commercial properties in New York, New Jersey, Florida, Pennsylvania, and Connecticut