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Affordable Housing Originator

Harry Cooper

Harry Cooper

NMLS # 67570

Greater Binghamton, Syracuse & Utica Markets

1001 James Street
Syracuse, NY 13203

Phone
315-246-0658 (Cell)
Email

Business Hours:
Monday through Friday – 8:30 a.m. to 5:00 p.m.

Fax Number: NA

Bio:
I have over 25 years of experience in the mortgage industry both as a loan originator and operations manager. Specifically, I have taken a special interest in helping first time home buyers secure financing. I'm well versed in all government loan products and grant programs established to help home buyers in the Northeast.

I am excited to share my expertise with future home buyers; and with the full complement of loans available through NBT bank, I am confident I can help you choose the product that is best for you.

Please call me when you start the process and we can take the time to layout your road to home ownership.

 
 

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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Mortgage Programs

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Mortgage Process

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