Cindy Salem
Sr Loan Advisor
NMLS ID: 404682
Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.
Apply Now Contact me900 Stewart Avenue
Garden City, NY 11530
About Cindy Salem
I am a senior loan officer who provides expert financial advice on mortgages for first-time homebuyers and existing homeowners.
I have the knowledge and expertise to guide you through the mortgage loan process. You will be given all of the knowledge, information, and options you need to make a wise financial decision regarding your new home loan. I can help you and answer questions on any residential mortgage product, including purchase, refinance, FHA, VA, conventional, or construction loans.
I would love to personally help you find the best home loan solution for your specific needs. Please call me or email me today. Let’s begin the search for the loan that is just right for you.
Mortgage Specialization
- Adjustable-Rate Mortgages
- Condominium Financing
- Construction Loans
- FHA Government Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Low-to-Moderate Income Lending Program
- Pre-Qualifications
- Professional Loans
- Renovation Loans
- Second Homes
- USDA Rural Housing
- VA Government Loans
Client Testimonials
Hear what my previous clients have to say about my work.
What to Expect
We get it: Purchasing a home or refinancing your mortgage is a big deal, and having a relationship with the right lender is essential. Get started by connecting with an experienced and trusted Flagstar home loan advisor. Starting on Day 1, we'll work with you to find the type of loan that suits your needs, and guide you through the lending process to make it as smooth and stress-free as possible.
Please select your lending process
STEP 1
Pre-qualify & Gather Financials
Submit your financial information and we’ll give you a personalized estimate for your loan.
STEP 2
Pre-approval
Once you’re pre-approved, we’ll coordinate with the escrow or title company.1
STEP 3
Loan Review
Once your offer is accepted, we'll pass along your information to our underwriters to lock your mortgage interest rate.
STEP 4
Loan Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 5
Close & Receive Your Funds
We’ll close your loan and wire your funds into escrow so you can complete your home purchase.
1A preapproval is an initial determination of an applicant's ability to borrow up to a certain amount. It is based upon certain assumptions resulting from an initial review of incomplete credit information criteria. A preapproval is not an approval of a completed application nor is it a commitment to lend or a guarantee of any particular loan product, features or terms. Final loan approval follows a comprehensive analysis of an applicant's creditworthiness, the satisfaction of all product-specific underwriting requirements and conditions and property acceptability and eligibility.
STEP 1
Loan Application
Complete a loan application online, and submit the necessary financial documents.
STEP 2
Appraisal
We'll conduct an appraisal of your property to determine its current value.
STEP 3
Underwriting Approval
Once our underwriters approve your loan, we'll get you ready for closing.
STEP 4
Loan Signing & Funding
We'll close your loan and wire your funds into escrow so you can access your funds.
Financial Calculators
If you're looking to buy a new home, we're here to help you plan ahead and see how much your mortgage may cost. Figuring out monthly mortgage payments is an important part of financing your home, sweet home. Enter the potential cost of your property and loan information into our mortgage payment calculator to see the breakdown of your estimated monthly payments and overall expected loan payoff schedule.
My Products of Specialization
The longest fixed term available makes this a popular choice. The interest rate set at closing remains constant.
Insured by the Federal Housing Administration, this mortgage offers more flexible qualifying criteria and low down payments.
Designed specifically for veterans and active-duty personnel, this loan often requires no down payment and flexible qualifying criteria.
Looking to build your dream house or make substantial improvements to your current home? Start here.
Find a mortgage solution for your unique situation, including jumbo loans, higher-cost areas, or multiple properties.
Great if your goal is to pay off your loan faster and you are comfortable with a higher monthly payment.
Learn More About Mortgages
Cindy Salem
Sr Loan Advisor
NMLS ID: 404682
Whether you're a first-time buyer, purchasing a second home or simply refinancing, I can personalize a home lending solution that’s tailor-fit to your needs.
Apply Now Contact me900 Stewart Avenue
Garden City, NY 11530
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Cindy Salem
Sr Loan Advisor
NMLS ID: 404682