5-Year Adjustable Rate
5.375% (6.572% APR)
- Loan amounts: $300K - $1.5M
- Min credit score: 700
- DTI up to 45%
- Primary & vacation homes
New York Mortgage Expert
As leading mortgage experts, GMCC offers low down payment home loans, refinancing, no tax return loans, and DSCR programs nationwide. With in-house underwriting and direct lending, we deliver fast approvals and flexible loan solutions.
Featured Loan Programs
Comprehensive mortgage solutions for every borrower
Non-QM (No Income Verification)
Approval in as fast as 10 days
- Loan amounts: $150K - $3M
- Minimum 20% down
- DTI up to 55%
- Self-employed & foreign nationals
Bank Statement Loans
Up to 90% financing, no MI
- Loan amounts: up to $4M
- Credit scores as low as 660
- 12-month bank statements
- 40-year term options
FHA & VA Loans
Zero to 3.5% down payment
- FHA: 3.5% down, score 580+
- VA: 0% down for veterans
- No private mortgage insurance (VA)
- Streamline refinance options
Why Choose GMCC
Experience the difference of working with a dedicated mortgage team
Fast Approvals
In-house underwriting delivers decisions in as little as 10 business days from application to closing.
Direct Lending
As a direct lender licensed in 49 states, we control the entire process for a smoother experience.
Multilingual Service
Dedicated loan advisors fluent in English, Chinese, and Spanish guide you through every step.
Competitive Rates
Access to a wide range of products ensures you get the best rates and terms available in the market.
Meet Our Team
Professional mortgage advisors dedicated to your success
Joe Ren
Branch Manager — GMCC Flushing
With extensive experience in the mortgage industry, Joe Ren leads the GMCC Flushing branch, providing personalized loan solutions for homebuyers and investors across New York and nationwide.
Specializing in conventional, jumbo, Non-QM, and bank statement loans, Joe and his team are committed to finding the right mortgage for every client's unique situation.
What Our Clients Say
Trusted by homebuyers across New York and beyond
Many thanks to Joe for his dedicated help, enabling us to refinance just before rates rose. His professionalism and responsiveness made the entire process seamless. Highly recommended!
Working with this team was a warm and professional experience. Their expertise in navigating complex loan scenarios made what seemed impossible entirely achievable. We have become friends through this process.
This is our second time working with Joe and his team. Their consistency and sincerity in earning our trust stands out. We would not hesitate to recommend them to anyone looking for mortgage solutions.
Ready to Start Your Home Loan Journey?
Contact us today for a free consultation and discover the best mortgage solution for your needs.