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    1. Personal
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    4. Mortgage Loans
    5. Contact a Mortgage Originator
    6. David Pentak

    New York Mortgage Originator

    MO

    David Pentak

    NMLS #763686

    Albany & Capitol Region

    54 State Street
    Albany, NY 12207

    Phone
    518-428-9972 (Cell)
    Email
    dpentak@nbtbank.com
    PREQUALIFY    APPLY NOW

    Business Hours:
    Monday through Friday – 8:00 a.m. to 5:00 p.m.

    Fax Number: NA

    Bio:
    I have been working with home buyers in the Capital Region for the past 25 years with an expertise in purchase and new construction lending, with both conventional and jumbo financing. Let me successfully guide you through the home building process, or handle your home purchase or refinance lending needs.

     
     

    Ready to Apply?

    Please Have These Items Ready

    1. Current and Previous Addresses (2 years)
    2. Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
    3. Current and Previous Employment Information and dates (2 years)
    4. Sources and income amounts for all borrowers
        a. If a W2 employee, previous 2 years W2's and most recent paystub with year-to-date income
        b. If rental or business income, 2 years personal and business (if applicable) signed tax returns, including all schedules
        c. If retirement income, award letter, 1099 or equivalent documentation
    5. Bank Account Statements (2 months)
    6. Current monthly housing expenses such as rent and mortgage payments
    7. Property address and Estimated Market Value for properties you own, including taxes & insurance
    8. If working with a real estate agent, their name, company and phone number

    Required documents to apply for mortgage financing are listed in the Mortgage Financing Checklist.

    DOWNLOAD CHECKLIST

     
    What Can I Afford?

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