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Expert Advice on Your Mortgage Options: an Interview with Michael Winkoff of Pioneer Mortgage

Tell us a little bit about your experience, company history and the services you offer.

Our Company has been in Business since 1997- I have been a partner @ Pioneer Mortgage Network since 2005. My partner is Certified Public Accountant, we offer all mortgage services for residential and commercial properties. We are also specialists in Reverse Mortgages.

What are some of the most common misconceptions that people have about getting a mortgage for a new home?

The most common misconception is that Brokers' do not have as a low a rates as Banks!

What would you recommend as the first steps that someone who wants to buy a house should take to secure a mortgage?

The 1st step any prospective purchaser of a home should do is sit down with a loan specialist and evaluate what they can afford.

Can you briefly explain the main types of loans and who they are typically best suited for?

We specialize in all types of loans-Conventional Loans, Jumbo Loans, FHA Loans & VA Loans.

Are there any things that prospective homeowners should not do when they're applying for a home loan?

Prospective buyers of properties should never give any loan specialist money-there is no cost to apply for a mortgage, the only expense you should incur is the appraisal before you close on a mortgage.

What is one of the biggest regrets you've seen people in Long Island have when it comes to their mortgages?

Sign a purchase contract before meeting with a loan specialist.

What's the best way for people to reach you and your company?

Call me on my cell or office. Or complete the loan origination document and send to me via fax or email.

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