Santos Mortgage Team · NMLS #1115876
The Right Loan.
Not Just Any Loan.
I'm Errol Santos — Senior Mortgage Loan Originator with UNMB Home Loans Inc. I take a consultative approach to the home loan process, customizing each financing solution to help you achieve your goals. Many loan originators can get you a loan. My mission is to get you the right loan.
Errol Santos
Senior Mortgage Loan Originator · NMLS #1115876
UNMB Home Loans Inc. · NMLS #7230
"Integrity is the foundation of my business. I believe a mortgage should be about building relationships and helping my customers achieve their home financing goals — not just a transaction."
— Errol Santos
Meet Errol
A Fiduciary Loan Officer in Your Corner.
Integrity is the foundation of my business. I believe a mortgage should be about building relationships and helping my customers achieve their home financing goals, not just a transaction. As a licensed UNMB Home Loans Inc. mortgage loan originator, I take a consultative approach to the home loan process by customizing each home financing solution to help customers achieve financial goals.
Many loan originators can get you a loan. My mission is to get you the right loan. I have extensive experience working with first-time homebuyers, conventional, FHA and VA loans. I can also do 203k rehabilitation loans and reverse mortgages for seniors.
Thank you for reading my profile. I wish you well with your home search and please feel free to call with any questions about mortgage programs or rates. I'd love to speak with you.
A personal referral is the best way to say you appreciate my services.
NMLS ID
#1115876
Company NMLS
#7230
CT License
LO-1115876
NY License
NY1115876
Loan Programs
Every Borrower is Different.
I work with a full suite of loan programs — residential and commercial — and broker loans in more than 30 states, so I can match you with the right product no matter where you are or what you're building.
Conventional Loans
Competitive rates and flexible terms for qualified buyers. Ideal for borrowers with strong credit and stable income looking to purchase or refinance.
FHA Loans
Government-backed financing with lower down payment requirements — a great path for first-time homebuyers and those rebuilding credit.
VA Loans
Exclusive benefits for veterans, active-duty service members, and eligible surviving spouses. Zero down payment options available.
Refinance
Lower your rate, reduce your term, or tap into your equity. I analyze your break-even point so you know exactly when refinancing pays off.
2-1 Buydown
Reduce your interest rate for the first two years of your loan — a powerful strategy for buyers who expect income growth or want lower initial payments.
Download FlyerCash Flow Mortgage
Optimize your monthly cash flow with a mortgage structure designed around your income and investment strategy. Ideal for real estate investors.
Download FlyerCost of Waiting
Understand the true financial impact of delaying your home purchase. See how waiting affects your buying power, equity, and long-term wealth.
Download FlyerCredit Optimization
Strategic guidance to improve your credit profile before applying. Small changes can unlock significantly better rates and loan terms.
Download FlyerDSCR Loans
Debt Service Coverage Ratio loans qualify based on rental income — not personal income. The ideal solution for real estate investors scaling their portfolio.
Download FlyerHELOC
Access your home's equity as a flexible line of credit. Use it for renovations, debt consolidation, investments, or any major financial need.
Download FlyerHero Loan Program
Special financing benefits for teachers, first responders, healthcare workers, and military personnel. Serving those who serve our communities.
Download FlyerInterest Only
Lower initial monthly payments by paying only interest for a set period. A strategic tool for high-income borrowers and real estate investors.
Download FlyerNon-Income Verification
Qualify based on assets, bank statements, or alternative documentation. Designed for self-employed borrowers, entrepreneurs, and high-net-worth individuals.
Download FlyerBroker Loans — 30+ States
Licensed and brokering in more than 30 states, I can place your loan with the right wholesale lender no matter where you're buying or refinancing. Broader access means better rates and more options for you.
Commercial Loans
Financing solutions for multifamily properties, mixed-use buildings, office, retail, and investment portfolios. From acquisition to refinance, I structure commercial deals that work for your bottom line.
Why Santos Mortgage Team
Built on Integrity. Driven by Results.
When you work with me, you're not a file number. You're a person with a goal — and I take that seriously. Here's what sets the Santos Mortgage Team apart.
5-Star Rated on Zillow
Read reviews on Zillow →Fiduciary Approach
I operate as a fiduciary loan officer — your financial goals come first, always. The right loan, not just any loan.
Consultative Process
Every client receives a customized home financing solution tailored to their unique situation, timeline, and long-term goals.
Relationship-Driven
A mortgage is not a transaction — it's the foundation of a relationship. My business is built almost entirely on referrals.
Direct Access
You work directly with me from application to closing. No hand-offs, no call centers, no surprises.
Client Reviews · Zillow
What Clients Are Saying.
"Errol was incredibly patient and knowledgeable throughout the entire process. He explained every step clearly and made sure I understood my options. I couldn't have asked for a better loan officer for my first home purchase."
First-Time Buyer
"Errol took the time to truly understand my financial situation and found me a rate I didn't think was possible. His consultative approach is the real deal — he genuinely cares about getting you the right loan."
Refinance Client
"This is my second time working with Errol and I wouldn't go anywhere else. He is responsive, honest, and always has your best interest at heart. A true professional."
Repeat Client
Santos Mortgage Team · UNMB Home Loans Inc. · CT · NY · NMLS #1115876
Get in Touch
Let's talk about your home financing goals.
Whether you're buying your first home, refinancing, or exploring your options — I'm here to help. Reach out and I'll get back to you personally.
Direct
(917) 231-5181Office
(718) 540-4810Office
3601 Hempstead Turnpike, Suite 300
Levittown, NY 11756