Helping Long Islanders Own Homes with Confidence
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Let us know how we can help you make your homeownership goals a reality.
Mortgage Broker for Home Loans, Refinancing, and More
Refinance
CASH OUT
PURCHASE
LI Mortgages
About Sunny &
LI Mortgages
Sunny Singh founded LI Mortgages to empower Long Islanders with clear, affordable paths to homeownership. With a background in architecture, construction, and NYC real estate, he brings a hands-on, human approach to navigating complex mortgage solutions.
meet the team
Behind every great mortgage solution is a team that truly cares. Get to know the experts dedicated to guiding you home with trust, transparency, and personalized service.
How It Works
Start with a quick, no-obligation assessment to understand how much home you can afford. This helps set expectations and saves time.
Explore flexible loan options tailored to your financial goals — from first-time buyer programs to refinancing solutions.
Securely upload your financial documents (income, assets, credit) so we can match you with the right lender.
We’ll review, package, and submit your application for approval — keeping you updated every step of the way.
Sign the final documents, get your keys, and celebrate — your homeownership journey officially begins here!
Mortgage Calculator
Our Services
Mortgage Solutions for Every Stage of Your Long Island Journey.
15-Year and 30-Year Fixed Mortgages
Stability and predictability for your Long Island future.
NO INCOME CHECK MORTGAGES
Flexible options for self-employed individuals or those with nontraditional income.
BRIDGE LOANS
Make your move seamless with temporary financing while your current home sells.
INVESTMENT LOANS
Maximize your returns with smart financing for Long Island real estate investments.
Stories That Inspire and
Matter The Most To Us
Li Mortgage FAQ's
1. What is the first step to getting a mortgage?
The first step is to get prequalified or preapproved. This gives you an idea of how much you can afford and shows sellers that you’re a serious buyer. At LI Mortgage Pros, we’ll walk you through this process quickly and clearly.
2. How do I know which loan is right for me?
Our team helps match you with the best loan option based on your financial goals, credit profile, and homeownership plans. Whether it’s FHA, conventional, or jumbo, we explain your choices in plain language.
3. Can I buy a home with a low credit score?
Yes — many programs, including FHA loans, are designed to help buyers with less-than-perfect credit. We’ll review your situation and help you find a loan program that fits.
4. What’s the difference between prequalification and preapproval?
Prequalification is a quick estimate based on basic info.
Preapproval is more detailed and shows sellers you’re ready to go.
We offer both and can help you decide which makes sense for your situation.
5. What is refinancing, and when should I do it?
Refinancing means replacing your existing mortgage with a new one. It’s a smart move if you want to:
Lower your monthly payment
Shorten your loan term
Cash out equity
Switch from an adjustable to a fixed rate
6. What is a cash-out refinance?
A cash-out refinance lets you borrow against your home equity to get cash in hand. It’s useful for home improvements, debt consolidation, or major expenses. We’ll help you run the numbers to see if it makes sense.
7. How much do I need for a down payment?
It depends on the loan type:
Conventional loans: as low as 3%
FHA loans: 3.5%
VA loans: 0% (for eligible veterans)
We help you explore low-down-payment programs that may work for you.
8. How long does the mortgage process take?
Typically, 30–45 days, but we work hard to make it faster and stress-free. Our team handles paperwork, communicates clearly, and keeps things moving.
9. Do I need a real estate agent to work with you?
Nope — we’re your mortgage partner, whether or not you’re working with an agent. But we can also refer trusted local agents if you need one.
10. Why choose LI Mortgage?
We’re not a call center. We’re local, experienced, and focused on Long Island homeowners. Our mission is to simplify home financing and support you every step of the way — with real people, real answers, and real results.
Ready to Take the First Step Toward Homeownership?
Whether you’re just starting your journey or finally ready to act, now is the perfect time to move forward. Our team is here to guide you with expert advice, personalized loan options, and local insight — every step of the way. Let’s make your homeownership dream a reality.