Where does All Island Mortgage & Funding do business?

All Island Mortgage & Funding is a direct lender based in Smithtown, NY. The company was founded in 1989 and offers mortgage refinancing to borrowers in 11 states across the USA.

What is the maximum loan term for a mortgage refinance via All Island Mortgage & Funding?

The term of a mortgage refinance will determine the cost of your monthly payments. Longer terms will typically reduce your monthly payments but it will also increase the interest you pay. All Island Mortgage & Funding offers mortgages refinancing with terms ranging from 15 to 30 years.

Does All Island Mortgage & Funding charge a mortgage origination fee?

Yes, All Island Mortgage & Funding may charge a loan origination fee.

Does All Island Mortgage & Funding charge prepayment fees?

Yes, All Island Mortgage & Funding charges additional fees to borrowers who pay off their home loans sooner than anticipated. Take this into consideration when choosing a lender because prepayment fees can reduce or even cancel the interest savings of repaying a loan early.

What mortgage programs does All Island Mortgage & Funding offer?

All Island Mortgage & Funding offers the following mortgage programs:

  • Conventional mortgages
  • FHA
  • HARP
  • USDA
  • VA

What property usage types does All Island Mortgage & Funding allow?

Some mortgage lenders restrict the type of usage borrowers give mortgaged properties. All Island Mortgage & Funding allows the following property usage types: 

  • Primary home
  • Secondary homes and vacation properties
  • Inestment properties and house flipping projects 

  • Loan Term (Years)
    15 - 30
  • Institution Type
    Direct Lender
  • Intended Use
    • Investment/House Flipping
    • Primary Home
    • Secondary Home
  • Loan Amount
    Up to $2250000
  • Terms
    3/1, 5/1, 7/1, 10/1, 15, 30 years
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