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Mortgages/Home Financing

Contact a Specialist

Client Service on an Existing Mortgage:
Monday - Friday
8:00 a.m. - 5:00 p.m. ET


Refinance or New Purchase Mortgages:
Monday - Thursday
8:30 a.m. - 6:30 p.m. ET


8:30 a.m - 4:45 p.m. ET

Get Pre-Qualified

Get Pre-Qualified: a great aid in negotiating a better price.

We offer Pre-Qualifications and Pre-Approval services to let you know before you start shopping how much you can afford; saving you time, hassle and maybe even money later on. Plus, when sellers, builders or realtors know you’re pre-approved for a mortgage subject to a property, they will treat you as a preferred buyer.

Pre-Qualification Program

For the client who is not ready to submit a formal loan application, Sterling National Bank offers a free no obligation Pre-Qualification Certificate. You simply give us your income, assets and liabilities, and we'll provide a no-obligation Pre-Qualification Certificate to help you estimate how much you may be able to borrow.

Pre-Qualification may even enable you to negotiate a more favorable sales price—it’s one of the reasons we created this free service.

Pre-Approval Program

Sterling National Bank offers a free loan Pre-Approval Program which allows the borrower to start the formal loan application program prior to selecting a property for purchase. The standard loan application must be completed by the borrower along with verified income, assets, debts, and liabilities.

If your loan is approved, approval will be made subject to the receipt of a fully executed contract of sale and an appraisal. Sterling National Bank charges a nominal fee for this service which may be applied to the fees charged in connection with your loan.

Buying a Home or Refinancing?

From your mortgage application to closing and beyond, Sterling National Bank is with you – every step of the way. Our Home Mortgage Experts are ready to help you pick the perfect mortgage program from a variety of affordable options and take the time to explain every detail.

It's easy to get started! Simply complete our Quick Contact form or call 1-800-537-4888 to arrange for a free consultation, whenever and wherever it is convenient for you. One of our Home Mortgage Experts will be happy to work with you. Find your neighborhood financial center.