About Kevin deNeergaard, Long Island Mortgage Loan Officer
Founder, The Loan Home Team · NMLS #2450179
I’m Kevin deNeergaard. Today I’m a mortgage loan originator (NMLS #2450179) with Scott Capital Group (NMLS #876527), licensed throughout New York State, and most of my clients live in Nassau or Suffolk. I shop your loan with multiple lenders, whether you’re buying your first home, refinancing, buying a co-op or qualifying on bank statement or 1099 income.
- 5.0 on Google · 30 reviews (Oct 2026)
- NMLS #2450179
- Scott Capital Group · Registered Mortgage Broker (NYS DFS)
- Equal Housing Opportunity
- Pre-approval: soft credit check, no effect on your score
An investor's eye.
A borrower's advocate.
I began my real estate career as an investor and soon found my real passion in mortgage financing. With more than a decade in real estate and mortgages, I know both the fine print of mortgage products and the full scope of a real estate transaction.
Having been through it myself, I understand what borrowers face — and I'm committed to guiding you through every step, with your goals first.
As founder of The Loan Home Team, I help buyers, homeowners and investors find the right financing, and you deal with me at every stage.
— Kevin deNeergaard, Founder, The Loan Home Team
Licensing
At a glance
- Licensed throughout New York State; most of my clients live in Nassau or Suffolk County. See my Nassau County mortgage broker guide and Suffolk County mortgage broker guide.
- Purchase, refinance and cash-out, conventional and jumbo, FHA, VA, co-op, reverse, DSCR, investment and bridge loans.
- I’ve closed co-op loans that other loan officers couldn’t get done.
- Bank statement and 1099 loans for self-employed borrowers, through lenders I work with.
- The loan itself comes from a lender, not from me.
- Pre-approval: soft credit check, no effect on your score.
- Call or text 631-250-6930.
Loan programs I help with
Tell me where you're headed. I'll match you with the programs that fit and walk you through each step.
- Home Purchase Financing for single-family homes, condos and multi-family properties.
- Refinance Rate-and-term and cash-out refinance options.
- Conventional Loans Fixed and adjustable-rate conventional financing for primary homes, second homes and investment property.
- FHA Loans Government-backed loans with flexible credit and down payment requirements.
- VA Loans For eligible veterans, active-duty service members and eligible surviving spouses.
- First-Time Buyers Programs and step-by-step guidance for first-time homebuyers.
- Down Payment Assistance Private programs available through lenders I work with — not state or county programs — that may reduce the cash you need to buy.
- Investment Property Financing for 1–4 family rentals and commercial properties.
- Fix & Flip Short-term financing to buy, renovate and resell a property.
- Bridge Loans Short-term financing to help you buy before you sell.
- Reverse Mortgages Options for eligible homeowners age 62 and older.
- Low Credit Score Options when your credit score is low or you’re rebuilding.
Want a rough number first? Estimate your monthly payment with the mortgage calculator, or see how much house you can afford on Long Island.
All loans are subject to credit approval, property approval and underwriting guidelines. Down payment assistance refers to private programs available through lenders I work with, not state, county or other government programs. Terms, eligibility and availability vary by program and lender, are subject to underwriting, and can change or end without notice. Not all applicants will qualify.
… As first time homebuyers, we had a million questions about every step of the process, and Kevin took the time to explain everything clearly and thoroughly, making the entire experience seamless and less stressful. He was incredibly patient, always approachable, and made sure we fully understood each detail along the way. …
We had an excellent experience working with Kevin throughout our mortgage process. From start to finish, he was incredibly knowledgeable, responsive, and supportive. He took the time to explain every step clearly and made sure we felt comfortable and informed with each decision. …
I’m so glad I chose Kevin for my home refinance process. His knowledge and experience, combined with his patient approach, made this otherwise stressful event a smooth and successful process. …
Recent guides
All articlesLet's talk about your next move.
Send me a message or call, and I'll get back to you personally.
I work with buyers across Nassau and Suffolk. Most of my clients are on Long Island, and I’m licensed throughout New York State. Buying or refinancing outside New York? Ask me. Depending on the state, I may be able to help. The loan itself comes from a lender, not from me.
Pre-approval takes only a soft credit check, so it won’t affect your credit score.
631-250-6930 · Kevin@scottcapitalgroup.com- 5.0 on Google · 30 reviews (Oct 2026)
- NMLS #2450179
- Scott Capital Group · Registered Mortgage Broker (NYS DFS)
- Equal Housing Opportunity
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