Brooklyn Mortgage Broker for Co-ops, Condos and 2–4 Family Homes
Buying or refinancing in Brooklyn (Kings County)? Lakeview Mortgage Bankers compares loans from multiple lenders for co-ops, condos, townhouses and multifamily buildings across Brooklyn and New York City. Our multilingual loan officers speak English, Spanish, Greek and Mandarin.
Co-op & Condo Financing2–4 Family & Investor LoansNMLS #34690
Brooklyn Home LoansNY • FL • GA
NYC Financing Expertise
Financing a Home in Brooklyn Takes a Specialist
Brooklyn is not a typical mortgage market. Many buyers are purchasing a co-op that needs board approval, a condo in a building that must meet lender project requirements, or a two- to four-family brownstone where rental income can help them qualify.
Not every lender finances co-ops or non-warrantable condos. As a mortgage broker in Brooklyn, we work with lenders that do, and we prepare your file with the building's documents in mind so there are no surprises late in the process.
We also help investors buy and refinance Brooklyn multifamily properties with conventional, DSCR and bank statement loans, and we help homeowners refinance or take cash out.
We help buyers in every Brooklyn neighborhood, including Park Slope, Bay Ridge, Bensonhurst, Sheepshead Bay, Williamsburg, Bushwick, Crown Heights, Flatbush, Dyker Heights and Brighton Beach, plus Queens, Manhattan, the Bronx and Staten Island.
What Brooklyn Buyers Should Know
Plan for these before you make an offer:
✓Co-op board approval: Boards review your finances and often set their own down payment and reserve rules.
✓Condo project review: Lenders check the building's budget, owner-occupancy and litigation status.
✓Multifamily income: Rent from other units can help you qualify on a 2–4 family home.
✓NYC closing costs: Include the NYC and NYS mortgage recording tax and transfer taxes.
✓2026 loan limits: Kings County uses the highest federal limits: $1,249,125 for one unit.
Mortgage Programs for Brooklyn Buyers and Investors
From a first co-op to a four-family investment, these are the options we arrange most often in Kings County.
Co-op Loans
Share loans for cooperative apartments, coordinated with the building's board package and recognition agreement. We work with lenders that actively finance NYC co-ops.
Live in one unit and rent the others, or buy as an investment. In Kings County, 2026 conforming and FHA limits reach $2,402,625 for a four-unit property.
We walk you through the process and review whether programs such as SONYMA or NYC HPD's HomeFirst Down Payment Assistance may be available for your purchase.
Common questions from Kings County buyers and owners.
What is the 2026 loan limit in Brooklyn?
In 2026 the conforming and FHA loan limits for a one-unit home in Kings County are both $1,249,125. Limits for two-, three- and four-unit homes are $1,599,375, $1,933,200 and $2,402,625.
Can I get a mortgage for a co-op in Brooklyn?
Yes. Co-op purchases use a share loan, and both the lender and the co-op board must approve the transaction. Many boards have their own down payment and reserve requirements, so we review them with you early.
Can rental income from a 2–4 family home help me qualify?
Yes. Lenders can count a portion of the rent from the other units, using existing leases or the appraiser's rent estimate, which can increase what you qualify for.
Are there down payment assistance programs in New York City?
New York City and New York State offer programs such as NYC HPD's HomeFirst Down Payment Assistance and SONYMA loans for eligible first-time buyers. Eligibility depends on income, price and property type.
Do your loan officers speak other languages?
Yes. Our New York team includes loan officers who speak English, Spanish, Greek and Mandarin.
Can investors finance a Brooklyn multifamily property without tax returns?
Yes. DSCR loans qualify based on the property's rental income, and bank statement loans use deposits instead of tax returns. Both are available for 1–4 unit properties.
Take the Next Step
Ready to Buy or Refinance in Brooklyn?
Talk to a licensed New York loan officer today. We will compare your co-op, condo or multifamily options and explain every step.
Lakeview Mortgage Bankers Corp. NMLS ID 34690 (NMLS Consumer Access). Licensed Mortgage Banker, NYS Department of Financial Services. See all state licenses. This is not a commitment to lend. All loans are subject to credit, income, property and underwriting approval; programs, terms and guidelines may change without notice. Equal Housing Opportunity.
Lakeview Mortgage Bankers helps eligible homebuyers, homeowners, and real estate investors explore mortgage financing options. Contact our mortgage professionals to discuss your goals and learn about the next steps.