Answers before you apply.

Sayed is directly licensed to originate mortgages in New York, Connecticut, Pennsylvania and Florida, and can originate loans in all 50 states through GoRascal Mortgage.

Most borrowers receive a pre-approval letter within 24-48 hours of submitting income and asset documents.

No — an initial consultation is always free and does not require a hard credit pull.

Yes — Sayed is also a licensed New York real estate salesperson and can assist with the property search directly.

Programs range from 3% down for qualified conventional buyers up to 20%+ for jumbo loans. Sayed will match a program to your savings and goals.

It depends on your break-even point — Sayed calculates this specifically for your loan before recommending a refinance.

Typically up to 80% of your home's value minus what you still owe, though this varies by loan program.

FHA guidelines allow lower scores than most conventional programs — Sayed will confirm your specific eligibility.

Rate depends on credit score, loan program, down payment, property type and current market conditions — Sayed will provide a personalized quote.

Typically 2-5% of the loan amount; Sayed provides an itemized estimate before you commit to anything.

In many cases, yes — Sayed will show you the break-even math so you can decide if it's worth it.

Both — Sayed is a licensed Mortgage Loan Officer with GoRascal Mortgage and a licensed Real Estate Salesperson with Max/IT Realty.

Call or text 516-937-8336, or submit a form on the Contact page — Sayed responds personally.

Yes, including remote closings for licensed states and nationwide origination through GoRascal Mortgage.