Finest Capital Ltd
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Home & Commercial
Home Loan Guide
is a Broker?
What is a Mortgage Broker?
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New York State, a residential mortgage broker is regulated by
the New York State
Banking Department. Mortgage brokers negotiate, originate, and
residential real estate loans on behalf of the consumer.
We Have What It Takes:
An extensive selection of
Experience in comparing
loans, terms, and rates
An obligation to protect the
We can Help You:
Our purpose is to
provide each borrower with a program which best suites his
or her needs. Whatever the difficult requirements or special requests you may
have, a professional mortgage broker can find a lender with a program to meet
Choose from local and
Understand mortgage options
and lender requirements
Select a mortgage which is
right for you
Mortgage Finance Is
An Important Decision. It's probably one of the most
important decisions you'll face in your lifetime, and we want to help you be
certain that it's one of the best. So when it's time to select that new
mortgage, call a New York State Registered Mortgage Broker - call Finest Capital
Finest Capital Ltd is a proud, professional Member of the New York Association of
Mortgage Brokers and adheres to the organization's Code of Ethics.
New York Association of Mortgage Brokers
Code of Ethics
their business in a competent professional manner, insuring that
both themselves and their personnel are knowledgeable in the
particular area of mortgage brokering in which they participate and
act in compliance with sound industry practice.
every reasonable effort to assure advertising and other business
practices are not misleading to the public, nor shall such
advertising or other business practice contain any
misrepresentations of fact.
themselves informed with respect to all applicable laws and
regulations, and comply therewith.
Cooperate in every appropriate way with governmental bodies charged
with regulating the practice of mortgage brokers, assuring the
public of fair and honest treatment with respect to mortgage
themselves with integrity and dignity in their dealing with the
public, and recognize and respect the confidentiality of their
to reduce all agreements to writing and provide copies to all
parties engaged. When agreements are not in writing, members shall
accord all oral agreements the same sanctity given to written
their business so as not to deny equal professional services to any
person for reasons of race, color, creed, sex, religion, national
origin, marital status, age or disability.
care not to make representations concerning interest rates or
material facts that are not realistic.
reasonable efforts to facilitate each loan application in a timely
requested by client, promptly advise client of approval, declination
or other material information which comes to the mortgage brokers'
attention in the processing of any application for a mortgage loan;
and to give such advice, whether or not requested, when the broker
has reason to believe that such disclosure is necessary to protect
the interest of his or her client.
steps to avoid conflicts of interest with their clients, and if a
conflict of interest comes to the attention of a member, to promptly
disclose such conflict to all parties.
engage in activities that constitute the unauthorized practice of
law, and shall recommend that legal counsel be obtained when in
their best and honest judgment the interest of any party to a
mortgage transaction requires legal representation.
Cooperate in all respects in the event a complaint is made to this
association, and place all pertinent facts and information relative
to such complaint before the association's duly appointed hearing
board if a hearing is held regarding any particular case.
Adopted June 9,
1988 - NYAMB Board of Directors