Long Island colonial home at dusk with warm lights in the windows

Locally engineered mortgages.

We're an independent Hicksville brokerage. We shop multiple lenders for you, then walk you through every line before you sign.

Start my 1-minute quote Find my loan program
No obligation, no credit check to get a quote 20 loan programs NMLS 2545774

We work for you, not the banks.

Walk into a bank and you get that bank's loans. Work with a broker and the lenders compete for your file.

That's how we find the rate, the program and the structure that fit your goals, whether it's your first home in Levittown or your fourth rental in Hempstead.

Diagram comparing one bank offering one set of loans with a broker comparing many lenders You

Find the loan that fits.

Pick your goal and we'll show the programs most people in your spot ask about.

Also available: fixed rate, rehab, USDA, bridge, construction, reverse mortgage, seller-paid buydowns and VA refinance.

What would my payment be?

Move the sliders to see a rough monthly payment. Long Island property taxes swing a lot by town, so put in a number from the listing if you have one.

When you're ready for real numbers, we'll pull actual rates from multiple lenders for your scenario.

Get my real rate
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For illustration only. The rate shown is an example you can change. It is not an APR, a quote or an offer to lend. Doesn't include PMI, HOA dues or flood insurance. Your actual rate and payment depend on credit, loan program and lender approval.

Six steps from quote to keys.

We explain each one before it happens, so nothing at closing is a surprise.

Pre-qualify

A quick look at your numbers so you shop with confidence.

Shop

Work with your agent and tour homes in your range.

Apply

Upload a few documents through our secure portal.

Processing

We assemble your file and chase the paperwork.

Underwriting

The lender reviews everything. We answer their questions.

Closing

Docs go to title, you sign, you get the keys.

Mortgage advisor reviewing loan options with a couple Couple holding the key to their new home

A mortgage is a strategy, not just a loan.

The Capital Depot is an education-first brokerage on South Broadway in Hicksville. We'd rather you understand your loan than just sign it.

  • Plain-English answersEvery fee, every term, explained before you commit.
  • Many lenders, one conversationWe compare options so you don't have to call ten banks.
  • Local and reachableA real office on Long Island and a team that picks up the phone.
Talk to a loan officer

Got a question at 11pm? Ask it.

Our assistant answers common mortgage questions any time, then hands you to a licensed loan officer when it's time for real numbers.

Tap a question to try it.

Capital Depot assistantInstant answers

Your quote in about a minute.

Four quick questions, no credit check, no obligation. A loan officer reaches out with options from multiple lenders.

Prefer to talk? Call (516) 965-3333.

Aerial view of a tree-lined Long Island neighborhood

Rooted in Hicksville. Lending across Long Island.

We help buyers and homeowners across Nassau and Suffolk, from first-time condos to multi-family investments.

HicksvilleLevittownPlainviewBethpageSyossetJerichoWestburyMassapequaEast MeadowGarden CityHuntingtonFarmingdale

Questions we hear every week.

What's the difference between a broker and a bank?

A bank can only offer its own loans. As a broker, we compare programs from multiple lenders and help you pick the structure that fits your goals.

Does getting a quote hurt my credit?

No. Requesting a quote is no-obligation and doesn't require a credit check. A credit pull only happens when you choose to apply.

I'm self-employed. Can I still qualify?

Often, yes. Bank statement programs use your deposits instead of tax returns to document income. Eligibility depends on each lender's guidelines.

How much do I need for a down payment?

It depends on the program. Some options, like VA and USDA, can allow very low or no down payment for eligible borrowers. We'll show you what you qualify for.

Can I buy an investment property with you?

Yes. We work with investment property loans, DSCR loans that look at the property's rental income, and fix and flip financing.

Call Get my quote