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    1. Personal
    2. Products & Services
    3. Home Financing
    4. Mortgage Loans
    5. Contact a Mortgage Originator
    6. Robert Esposito

    New York Mortgage Originator

    Robert Esposito

    Robert Esposito

    NMLS # 763687

    Albany & Capital Region

    80 Wolf Road, Suite 101
    Albany, NY 12205

    Phone
    518-915-6340 (Office)
    Phone
    518-281-8391 (Cell)
    Email
    resposito@nbtbank.com
    PREQUALIFY    APPLY NOW

    Business Hours:
    Monday through Friday – 9:00 a.m. to 6:00 p.m.

    Fax Number: NA

    Bio:
    I have been in the banking industry for over 30 years. I have enjoyed over 20 years in the mortgage lending area as a Sales Manager and Mortgage Loan Originator. I have also worked as a Commercial lender and as a Leasing Sales Representative.

    My background enables me to understand and help determine the best financing options to fit your situation.

    Contact me anytime to discuss your mortgage options!

     
     

    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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