Local Long Island Mortgage Expert
Get Pre-Approved for a House on Long Island
Work with a local Long Island lender who understands competitive offers, property taxes, co-ops, and underwriting nuances in Queens, Nassau & Suffolk County.
Local market expertise
Fast pre-approvals
Clear, one-on-one guidance
Prefer to talk now?
Trusted by Long Island Home Buyers
5-star rated by Long Island buyers who’ve worked directly with Kevin.
Special Programs for Local Professionals
If you work in one of these fields, you may qualify for specialized programs or benefits not widely advertised.
Eligible professions may include:
Healthcare Professionals
Union Employees
First Responders
Teachers & Education Professionals
Not sure which programs apply to you? Choose what’s easiest below.
Buying on Long Island Isn’t the Same as Buying Anywhere Else
From multiple-offer situations to high property taxes and co-ops, working with a lender who knows the local market can be the difference between winning or losing the home.
We help buyers move quickly and confidently—with clear numbers and no surprises.
Meet Kevin — Your Local Long Island Mortgage Expert
Kevin has spent the last 10 years helping Long Island buyers successfully purchase homes in a competitive market.
His deep understanding of local neighborhoods, pricing, and lending options—combined with a team bringing over 30 years of experience—means buyers get clear answers, strong pre-approvals, and a smoother path to closing.
You’ll be guided by Kevin and his experienced local team — no call centers, no runaround.
Programs for All Buyer Needs
No two buyers are the same. We help match you with the right option.
Who We Help
First-Time Homebuyers
Self-Employed Borrowers
Move-Up Buyers
Loan & Financing Options
FHA Loans
VA Loans
Conventional Financing
Low Down Payment Options
Refinancing Options
Down Payment Assistance (when eligible)
Your Journey to Homeownership Starts Here
We guide you through the homebuying process with clear advice, personalized options, and local expertise — so you can move forward with confidence.
Personalized mortgage solutions tailored to your needs.
Expert guidance throughout the entire buying process.
Competitive rates to help you save on your investment.
How It Works (Simple & Fast)
1. Book a quick call
2. Review your options with a local expert
3. Get a clear, competitive pre-approval
No pressure. No obligation. Just clarity.
Frequently Asked Questions
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your income, credit score, debt-to-income ratio, and the type of loan you are applying for. Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a mortgage?
Typically, you’ll need to provide proof of income, tax returns, bank statements, identification, and information about your debts and assets. Our experts will guide you on the specific documents required for your application.
How long does the process take?
The mortgage process can move quickly, but the exact timeline depends on several factors. On average, most loans take 30 to 45 days from application to closing. Some files can close faster — as little as 2–3 weeks — if all documents are provided promptly and there are no appraisal, title, or underwriting delays.
Kevin deNeergaard
Mortgage Loan Originator
NMLS ID #2450179
Powered by Scott Capital Group
NMLS ID #876527
Scott Capital Group is a licensed mortgage broker. We arrange but do not make loans. All mortgage loan products are subject to credit approval, underwriting guidelines, and applicable terms and conditions. Not all applicants will qualify.
This is not a commitment to lend. Rates, terms, and availability are subject to change without notice.
Scott Capital Group is an Equal Housing Opportunity mortgage broker.
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