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New York Mortgage Originator

David Pentak

NMLS #763686

Albany & Capitol Region

54 State Street
Albany, NY 12207

518-428-9972 (Cell)

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

Current and Previous Addresses (2 years)
Property Information including purchase agreement (if applicable), tax bills and homeowners insurance (if applicable)
Current and Previous Employment Information and dates (2 years)
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
Bank Account Statements (2 months)
Current monthly housing expenses such as rent and mortgage payments
Property address and Estimated Market Value for properties you own, including taxes & insurance
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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Mortgage Programs

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Mortgage Process

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