New York Mortgage Professional

Every key to a front door begins with someone who listens

I'm Jose Rosario. For years, I've guided New Yorkers through one of life's most significant financial decisions — not with pressure, but with patience, clarity, and a plan that actually fits your life.

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NMLS #2014476
Guaranteed Rate
New York, NY
Elegant New York City apartment building exterior at golden hour

"A home is more than a property — it's where your story continues."

Jose Rosario

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Jose Rosario, mortgage professional in New York
About Jose

A career built on trust, not transactions

Based in the heart of Manhattan at 750 Lexington Avenue, I've spent years helping first-time buyers, move-up purchasers, and refinancers navigate the complex world of mortgage lending with confidence and clarity.

The mortgage process can feel overwhelming — rates shift, paperwork piles up, and it's easy to feel like just another number. I take a different approach. Every client I work with gets my direct attention, honest answers, and a strategy tailored to their unique financial situation.

Whether you're searching for your first apartment in Brooklyn, looking to refinance your Upper West Side co-op, or exploring investment properties across New York City, I'm here to make the process as smooth and transparent as possible.

NYC Based in Manhattan
NMLS #2014476 Licensed
GR Guaranteed Rate
What I Offer

Mortgage solutions designed around you

From first-time buyers to seasoned investors, I provide the guidance and expertise you need at every stage of your homeownership journey.

Purchase Loans

Whether you're buying your first condo in Queens or a brownstone in Harlem, I'll walk you through every option — from conventional to FHA, VA, and jumbo loans — so you can make an informed offer with confidence.

Refinancing

Lower your rate, shorten your term, or tap into your home's equity. I'll analyze your current loan and market conditions to determine if refinancing makes sense for your financial goals.

Jumbo Loans

New York's luxury market demands specialized financing. I work with jumbo and non-QM programs to help you secure competitive terms on high-value properties across the tri-state area.

Pre-Approval

In a competitive market like New York, a strong pre-approval can set your offer apart. I'll help you understand exactly what you can borrow and prepare the documentation sellers and agents respect.

First-Time Buyers

The first purchase is the most nerve-wracking. I break down every step — from credit preparation and down payment assistance programs to closing day — so you never feel lost or pressured.

Rate & Term Analysis

Not sure whether to lock now or wait? I provide honest, data-driven guidance on rate strategy — no pressure, no guesswork. Just a clear picture of your options and what each means for your monthly payment.

The Process

From conversation to closing

A transparent, stress-free journey — every step documented, every question answered before you ask it.

01

Initial Consultation

We start with a candid conversation about your goals, budget, timeline, and the kind of home you're looking for. No hard questions — just clarity.

02

Financial Review

I review your financial picture — credit, income, assets, and debts — and recommend the best loan program and strategy for your situation.

03

Underwriting

Your application moves through Guaranteed Rate's underwriting team. I keep you informed at every stage and address any conditions quickly.

04

Closing Day

You sign the papers, receive the keys, and step into your new home. I'm with you until the very end — and available after closing, too.

Why Work With Me

What makes the difference

Personal Attention, Every Time

You'll work directly with me — not a call center. I know your name, your timeline, and what keeps you up at night. That personal connection changes everything.

Transparent About Costs & Terms

No hidden fees, no surprise rate locks, no fine print you didn't agree to. I explain every cost upfront so you can make decisions with full confidence.

Backed by Guaranteed Rate

As a branch of Guaranteed Rate, one of the nation's largest and most trusted mortgage lenders, you get competitive rates, a streamlined digital closing process, and the security of an established institution.

Bilingual & Culturally Attuned

I understand the unique needs of New York's diverse communities. Whether you speak English or Spanish, you'll feel heard and respected throughout the entire process.

Manhattan skyline view from a Midtown office window

"Jose made what I thought would be the most stressful experience of my life feel completely manageable."

Jose took the time to explain every option without ever making me feel rushed. For the first time, I actually felt excited — not anxious — about getting a mortgage.

A Guaranteed Rate Client

Get in Touch

Let's start your conversation

Whether you have a specific question or just want to explore your options, I'm here. Reach out by phone, email, or visit my Manhattan office — whatever feels most comfortable for you.

Phone 212-318-9402
Email jose.rosario@rate.com
Office 750 Lexington Ave, Ste 2010
New York, NY 10022
Licensed NMLS #2014476

Send a Message

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