What is a Mortgage Broker?

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In New York State, a residential mortgage broker is regulated by the New York State
Banking Department. Mortgage brokers negotiate, originate, and process residential real estate loans on behalf of the consumer.

    We Have What It Takes:

	An extensive selection of mortgage products
	Experience in comparing loans, terms, and rates
	An obligation to protect the borrower

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 those needs.

	Choose from local and national investors
	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 Ltd.

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

I.	Conduct 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.
II.	Make 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.
III.	Keep themselves informed with respect to all applicable laws and regulations, and comply therewith.
IV.	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 financing.
V.	Conduct themselves with integrity and dignity in their dealing with the public, and recognize and respect the confidentiality of their clients.
VI.	Attempt 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 agreements.
VII.	Conduct 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.
VIII.	Take care not to make representations concerning interest rates or material facts that are not realistic.
IX.	Make all reasonable efforts to facilitate each loan application in a timely manner.
X.	When 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.
XI.	Take all 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.
XII.	Not 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.
XIII.	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