Licensed & Bonded in New York State

Your keys to a
smarter mortgage
start

Garden City's trusted mortgage professional. Clear rates, straightforward terms, and a real person who actually answers the phone — from pre-approval to closing day.

15+
Years Experience
500+
Families Served
A+
BBB Rating
What We Offer

Mortgage solutions built for your situation

Whether you're a first-time buyer, refinancing your current home, or investing in property — we match you with the right loan program, not the one with the highest commission.

Purchase Loans

From starter homes to luxury properties, we guide you through conventional, FHA, VA, and USDA loan options so you can buy with confidence and clarity.

Refinance

Lower your rate, shorten your term, or tap into home equity — we run the numbers honestly so you know exactly how refinancing impacts your wallet.

Pre-Approval

Get a clear, written commitment on your budget before you start house hunting. Sellers take pre-approved buyers seriously — and you shop with real power.

VA & Military Loans

You've served — now let us make sure you get the benefits you earned. Zero down payment options and competitive rates for active duty and veterans.

Jumbo Loans

Conforming loan limits don't cover everything. We specialize in high-balance loans for premium properties with terms that reflect your strong financial profile.

First-Time Buyer Programs

Down payment assistance, low credit thresholds, and grant programs — we find the pathways that make your first home ownership affordable and achievable.

How It Works

From inquiry to keys
in four clear steps

No hidden steps, no surprises. Here's exactly what to expect when you work with us.

01

Tell Us Your Story

Share your goals, timeline, and budget in a free, no-obligation conversation. We listen first, then recommend.

02

Get Pre-Approved

We pull your numbers, run scenarios, and deliver a clear pre-approval letter so you know exactly what you can spend.

03

We Shop the Market

We compare multiple lender programs to find your best rate and terms — not just the first offer we see.

04

Close & Celebrate

We coordinate with your agent, title company, and underwriter so closing day goes smoothly — and you walk in with the keys.

Professional mortgage office setting in Garden City
About Us

A Garden City neighbor who takes your home loan seriously

We're not a call center. We're a locally rooted mortgage practice serving Garden City and the greater Long Island community. Every application we handle gets personal attention — because a mortgage isn't just a transaction, it's the foundation of where your family will live.

With over a decade of experience in residential lending, we've helped hundreds of families navigate the complexities of home financing. We've seen what works, what doesn't, and how to avoid the pitfalls that catch first-time buyers off guard.

Our approach is simple: explain things in plain language, present your real options, and never pressure you into a loan that doesn't fit. When you call, you reach a person — not a voicemail box.

Licensed in NY
FHA · VA · Conventional
Fast Turnaround
No Hidden Fees
Client Stories

What our clients say

"We were completely lost in the home-buying process. Our lender took the time to explain every step, answered our endless questions, and got us a rate we didn't think was possible. Truly exceptional service."

First-Time Homebuyer
Garden City, NY

"Refinancing seemed intimidating until we called. The whole process was straightforward — clear numbers, no pressure, and we closed in under 30 days. Our monthly payment dropped significantly."

Refinance Client
Westbury, NY

"As a veteran, I knew I had options but didn't know which one was right for me. They walked me through every VA loan benefit and made sure I got the best deal. I couldn't be happier with my new home."

VA Loan Client
Hempstead, NY
Get In Touch

Let's talk about your home loan

Ready to explore your options? Fill out the form and we'll get back to you within one business day — or call us directly, we're happy to chat.

Call or Text
(631) 897-2492
Email Us
wluther@madisonmortgage.com
Office
900 Stewart Ave, Garden City 11530-4829
NMLS ID
#584663

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