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Michael O'Leary
Mortgage Consultant
Michael has over 27 years of experience in many facets of the mortgage industry. While originating all types of loans for his clients, he specializes in loans for first time homebuyers and works closely with many of the non-profit agencies in the New York Metropolitan area. This allows him to maximize the available grants and subsidies for the benefit of his clients. He is consistently recognized by The State of New York Mortgage Agency as one of its top producing loan officers. Michael has a B.S in accounting from St. John's University and a M.B.A. in finance from Hofstra University.
Ridgewood Savings Bank Benefits
Free pre-qualifications!
Our free mortgage prequalification will let you know before you start shopping how much you can afford based upon the information provided to us; saving you time, allowing you to shop with confidence, and maybe even saving you money. Plus when sellers, builders, or Realtors know you’re pre-qualified for your home financing, they can treat you as a preferred buyer.
Confused about which program to choose?
We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We offer easy to understand explanations of each program on the site and Michael is always just a call or e-mail away!
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Today's Featured Rates
| 15 Year Fixed Rate | ||
|---|---|---|
| Rate | APR | Points |
| 6.875% | 6.910% | 0.000% |
| 30 Year Fixed Rate | ||
| Rate | APR | Points |
| 7.250% | 7.272% | 0.000% |
| 5/1 Adjustable Rate | ||
| Rate | APR | Points |
| 6.750% | 7.500% | 0.000% |
| 7/1 Adjustable Rate | ||
| Rate | APR | Points |
| 6.875% | 7.418% | 0.000% |