Real Estate Mortgage Loans

Ponce Mortgage considers your loan request based on your needs and your overall ability to repay the loan. With experience in many different areas of real estate, we have a solid understanding of the industry and are proud to provide flexible and creative loans that are tailored to your situation.

Loan Offerings

Construction Loans

Ponce Mortgage takes pride in assisting Real Estate Developers in building their projects and making their vision into reality in a timely cost efficient manner. We have provided construction loans in the five boroughs of New York City, as well as Nassau and Suffolk counties.

We offer:

  • Product lines including the construction of rental and condominium developments of multi-family, mixed-use, office, warehouse and retail uses, as well as 1- 4 family residential spec properties.
  • A very transparent process - without hidden fees – which makes us one of the best lenders to work with.
  • A streamlined approach that follows all specific requirements and regulations in construction lending.
  • A team of expert engineers, appraisers, consultants and in-house personnel that ensures a smooth process from application to closing and the funding of construction draws thereafter.

Multi-Family, Commercial and Mixed Use Properties

Ponce Mortgage’s broad experience and expertise allows us to provide innovative lending products and services for multi-family, commercial and mixed use properties. Whether you are purchasing or refinancing, we offer competitive terms and the ability to tailor your loan according to your needs.

For qualified applicants we offer:

  • Competitive interest rates
  • 5 to 30 year terms - eliminating the uncertainty of balloon payments
  • Loan-to-value ratios of up to 75%
  • Blanket Loans
  • Commercial Real Estate Secured Lines of Credit
  • A quick decision process

Owner-Occupied Commercial Properties

Ponce Mortgage understands the business owner who chooses to own the property that his/her business occupies, or the desire to acquire such a property. We can structure your loan based on your vision and financial needs in a manner that helps your business remains healthy and financially strong.

1-4 Residential Investment Loans

Ponce Mortgage offers unique products that provide qualified applicants with adjustable rate mortgage loans to purchase or refinance 1-4 family dwellings for investment purposes (including condominium, non-warrantable condominium and co-op units).

For qualified applicants we offer:

  • Competitive interest rates
  • 5 to 30 year terms - eliminating the need or uncertainty of balloon payments
  • Blanket Loans
  • A quick decision process

1-4 Family Primary Residence

Whether you’re buying your first home or seeking to tap into the equity you have grown in your existing home, Ponce Mortgage is ready to work with you in order to help you attain your goals. Our experienced staff is available to answer any questions and process your mortgage application in an efficient and timely manner.

  • Our loans are tailored to the applicant’s situation and needs – not the cookie cutter approach
  • Easy application process
  • Reasonable origination fees
  • Flexible repayment schedules ranging up 30 years
  • Quick credit decisions that are all made locally

Adjustable rate mortgage loans are available to qualified applicants to assist in the purchase or refinance of a 1-4 family, owner-occupied dwelling (including condominium, non-warrantable condominium and co-op units).

Contact a Loan Officer

Our experienced loan officers are available to assist you in identifying the most suitable solution for your financial needs.

Contact us

Mortgage Calculator

Interest: :
Loan Amount:
Annual Tax:
Annual Insurance:


Monthly Prin + Int
Monthly Tax
Monthly Ins
Total Payment

Web browser must support JavaScript.

Go To Top

How Can We Help?



Contact Us