Welcome

Emigrant Mortgage Company, Inc. (Emigrant), a subsidiary of Emigrant Bank, is a direct lender specializing in creative financing solutions for residential properties. Emigrant offers programs/products that serve the wholesale community (BrokerDirect®) and retail consumers.

Broker Portal

Broker Portal

Broker Portal Login

Emigrant's Broker Protal provides you with all the wholesale functionality and resources you need for the BrokerDirect® Program Click here to get started.

Existing Customers

Existing Customers

Customers Login

Existing Customers click here to make your payment, access your current mortgage loan information or contact our servicing department.

Current Mortgage Holders click here for terms and disclosures

Emigrant is aware that some of our customers may be experiencing personal and economic difficulties due to the Coronavirus Pandemic.

In light of these circumstances, to the extent that your ability to make monthly mortgage payments has been adversely affected, we have decided to waive late charges and stop negative credit reporting through and including September 2020 on Emigrant residential and EFC loans.

In addition to complying with all state and federal guidelines, Emigrant is offering further assistance to qualifying borrowers who demonstrate that a financial hardship is preventing them from making timely payments.

Please note that if your residential mortgage loan is secured by a primary residence located in New York State, you may qualify for additional forbearance relief in connection with the recently enacted Banking Law Section 9-x, including with respect to your principal, interest and escrow obligations. Such relief may include: extending the maturity date of your loan, payment of the deferred amounts over the life of your loan, interest free, a loan modification, or an interest-free balloon payment of your deferred payments, at the earlier of maturity, payoff or acceleration. Please further note that even if you are currently party to a forbearance agreement with Emigrant, and your residential mortgage loan is secured by a primary residence located in New York State, you are still eligible to be considered for the new relief being provided pursuant to Section 9-x.

EMC and EFC will make every effort to be as responsive as we can to the needs of our customers and we have set up an email address specifically for this purpose: CoronavirusLiaison@Emigrant.com. We encourage you to use this email address to provide us with updates on your personal challenges and to let us know the best way to remain in contact with you in order to respond to your inquiries and concerns.

Borrowers having trouble making payments can also apply for relief by contacting Customer Service for assistance at (800) 836-1260.

Brokers

If you would like to become an approved broker with Emigrant, you have come to the right place! Click here to learn how you can sign up for Emigrant's Wholesale BrokerDirect® Program.

Consumers

Are you looking for a mortgage or general bank information? Click here for details.

Contact Us

For questions and/or more information about our website, please feel free to send us an email at: emigrantmortgage@emigrant.com


About Us

Emigrant Mortgage Company, Inc. (Emigrant) is a direct lender specializing in creative financing for residential properties. Headquartered in Elmsford, New York, Emigrant is a wholly owned subsidiary of Emigrant Bank, which has been serving the credit and banking needs of the New York community for more than 169 years. The Bank has assets of approximately $5.7 billion and more than $1.2 billion in net worth, is one of the most strongly capitalized savings banks in the country, and looks to its mortgage company to deliver a wide array of creative loans for its portfolio

As a community bank, Emigrant's focus is primarily on lending in the metropolitan New York City area. In addition to New York, Emigrant's lending area includes New Jersey, Connecticut, Massachusetts, Pennsylvania, and Florida. Emigrant maintains offices in New York (Manhattan, Queens, Long Island and Westchester), New Jersey, Massachusetts and Florida.

On a wholesale basis, through our BrokerDirect® program, we have mortgage professionals servicing all the above mentioned geographic areas. Emigrant's expansion has been gradual and controlled to ensure that quality service is not compromised, as quality customer service is of paramount importance in Emigrant's philosophy.

As a Portfolio Lender, Emigrant's success can be attributed to the creative solutions and niche product offerings unique to the industry that the company applies to various financing situations facing homeowners, investors, and foreign national clients. As a jumbo/super-jumbo lender, Emigrant regularly closes loans with loan amounts up to $10 million. Emigrant has built a strong reputation for closing condominium and cooperative loans as routinely as 1-4 family loans. In addition to our portfolio programs, we also offer traditional Agency (FNMA/FHLMC) products.

Our unique approach to lending and our common sense underwriting have provided us with the foundation to excel as a portfolio lender of custom mortgage products. Emigrant is able to close loans which do not "fit the box" of most other lenders. Our expert staff of mortgage and real estate professionals understands today's dynamic and competitive marketplace and they are ready to work with you: helping you to help your client "Get More From Their Mortgage".

NOTE: Information listed above for Emigrant Bank reflects financials as of May 31, 2019.


Lending Areas

Connecticut

Robert Magnan
First Vice President & Regional Manager
Phone: (212) 850-4363
Email: MagnanR@Emigrant.com

Counties: All Counties Served

Florida

West Coast

Julio Bonilla
Vice President & Sales Manager
Phone: (786) 877-0977
Email: BonillaJ@Emigrant.com

Southeast Region

Julio Bonilla
Vice President & Sales Manager
Phone: (786) 877-0977
Email: BonillaJ@Emigrant.com

Counties: Broward, Charlotte, Collier, Hillsborough, Lee, Manatee, Miami-Dade, Monroe, Palm Beach, Pinellas and Sarasota counties

Massachusetts

Robert Magnan
First Vice President & Regional Manager
Phone: (212) 850-4363
Email: MagnanR@Emigrant.com

Counties: Barnstable, Bristol, Dukes, Essex, Middlesex, Nantucket, Norfolk, Plymouth, Suffolk and Worcester counties

New Jersey

Jack Coll
Senior Vice President & Sales Manager
Phone: (914) 785-1245
Email: CollJ@Emigrant.com

Counties: All Counties Served

New York

Jericho

Richard Campbell
First Vice President & Production Manager
Phone: (516) 822-7482
Email: CampbellR@emigrantmortgage.com

Manhattan

Richard Campbell
First Vice President & Production Manager
Phone: (516) 822-7482
Email: CampbellR@emigrantmortgage.com

Robert Magnan
First Vice President & Regional Manager
Phone: (212) 850-4363
Email: MagnanR@Emigrant.com

Queens /Brooklyn

Richard Campbell
First Vice President & Production Manager
Phone: (516) 822-7482
Email: CampbellR@emigrantmortgage.com

Westchester

Richard Campbell
First Vice President & Production Manager
Phone: (516) 822-7482
Email: CampbellR@emigrantmortgage.com

Robert Magnan
First Vice President & Regional Manager
Phone: (212) 850-4363
Email: MagnanR@Emigrant.com

Counties: Bronx, Dutchess, Kings (Brooklyn), Nassau, New York (Manhattan), Orange, Putnam, Queens, Richmond (Staten Island), Rockland, Suffolk and Westchester counties

Pennsylvania

Jack Coll
Senior Vice President & Sales Manager
Phone: (914) 785-1245
Email: CollJ@Emigrant.com

Counties: Bucks, Chester, Delaware, Montgomery and Philadelphia counties

*Certain state or county specific restrictions may apply.


Consumer Information

Looking for a Mortgage?

Working closely with you, the prospective borrower, from application to closing, our knowledgeable mortgage consultant will draw upon Emigrant's variety of mortgage loan options allowing you to decide which financing solution best meets your needs. No matter how unique the financing situation, Emigrant can design a financing solution that is just right! To contact an Emigrant Mortgage Consultant Today call (212) 850-4848 or email mortgages@emigrant.com.

Click here for details about upcoming mortgage open houses hosted by your local Emigrant Bank branch!


Other Information

Emigrant Banking Information

For information about Emigrant Bank's products visit our consumer banking website at www.emigrant.com. If you are an existing bank customer and want to sign up for Emigrant's Online Banking Service call (212) 850-4444 or email onlinecustomerservice@emigrant.com. In addition, you can utilize our automated phone system at (212) 850-3333 to access your banking product information.

Emigrant Owned Properties for Sale

To view Emigrant foreclosure properties available for sale, please go to www.foreclosuresnearme.net.