What to expect
We understand that purchasing a home is one of the biggest purchases in a lifetime. We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Typically, once the loan documents are signed and delivered back to us, you’ll receive your funding in 5 to 7 days!
Why we should work together
I have been a Mortgage Loan Originator since July 2009 and I joined the dynamic team at loanDepot LLC in May 2012. I enjoy working at loanDepot LLC because they have competitive pricing, and all of your processing is completed "in-house". With all of these capabilities this provides for excellent service!
Mortgage Education Videos
jngruseke from South Salem , NY via Zillow
As a first-time home buyer in New York, I was not aware of so many things about the process. Toy absolutely held my hand through the entire process and helped me get an excellent first-time home buyer deal as well! Emails were returned within minutes. She is a master!
ROMEO MARIMAT from Yonkers , NY via Zillow
If not for Toy's expertise and precision handling of all the details of my application, I would not be able to get an approval for a mortgage. From the time we first spoke during the application process and document gathering until the last nerve wracking moments literally a minute into the close of a business day waiting for a single document to be sent to loan processor! Her professionalism, candor and impeccable common sense and grit to make things happen surely paid off! All I did was respond to every email, every text and delivered what she and her team requested. She steered the ship to where she wanted it go! And it did! What a spectacular performance from Toy and her team! They are the absolute best! I said it before, I am in a place to recommend colleagues and friends, and I will not recommend any other lending team other than Toy and her team. Thank you Loandepot.
Tim Horbach from White Plains , NY via Zillow
Toy Eng was my loan consultant for my recently purchased condo. I decided to reach out to her when I was first in the market for a condo because I was seeking a SONYMA loan and her company, Loan Depot, is an authorized lender. I was immediately impressed with her when we first spoke because she was very knowledgeable and very fast in getting the whole loan process started. The present day housing market is very competitive and stressful. Its a complete sellers' market and prices are at an all time high. I was very grateful that Toy was able to get me an awesome loan that had a very low interest rate and included down payment assistance. Home buying and loan approvals are time-consuming and can be confusing at times. Toy was in constant communication with me throughout the entire process and always availed herself whenever I had any questions or concerns. She's very genuine and passionate about her work, and truly takes pleasure in helping people purchase their dream home. She was very reassuring that our deal would get done and ensured that we met our closing date once we were in contract. My situation was very complicated as my wife and I are military members that were recently returning home from an overseas deployment. The week of our closing I was once again activated and not available to be there. Toy literally worked around the clock to navigate all of the last-minute changes and ensured that our deal got done. I highly recommend Toy to anyone looking to purchase a home. She will get you the best mortgage rate possible and will work non-stop at all costs to make sure your loan is approved. Her expertise and work-ethic are un-matched. I am extremely happy with the condo that I purchased and equally as happy with the deal that I got!
Victor Pichardo from Elmsford , NY via Zillow
Toy Eng was incredibly helpful in our home buying process. Kind, courteous, accessible, knowledgeable and professional. I highly recommend Toy for your home buying needs.
ThomasDArgenio from Croton-on-Hudson , NY via Zillow
Being a first time homebuyer is a stressful process to begin with but, Toy makes it so painless and easy to understand. She also responds promptly and is extremely thorough with everything she does. I am finally closing next week all thanks to Toy! Every attorney, realtor, and title company I worked with has dropped the ball so far, caused delays, and made careless mistakes and Toy has been the only consistent positive aspect of my loan process. She was able to get to the bottom of the miscommunications and resolve all of my issues faster than anyone else I have been working with. You are very lucky if you have Toy as your loan consultant
Joanne Davies from GRND VW HUDSN , NY via Zillow
My partner is a disabled veteran and I am self employed. We had been trying to buy a home for over 2 years but had a ton of non-traditional circumstances. We tried several other brokers who all tapped out as soon things got difficult. Not Toy. Wherever there was a workaround she made it happen. Thinking outside the box and pursuing things with tenacity and finesse. I got frustrated on several occasions and she was kind and patient and responsive. Thanks to her attention to detail our loan application was watertight before it went to underwriting, making the approval and closing process super easy. If you want someone who really knows her stuff, will take care of you and won't waste a minute of your time then get in touch with Toy. We are now living in our dream home and couldn't have done it without her.
Gillian Munsayac from Yonkers , NY via Zillow
As first time home buyers, we were very overwhelmed. Toy went above and beyond to help us out every step of the way. We are beyond grateful to her and highly recommend her. Without her we may have not been able to overcome some hurdles. She worked around the clock and went well above what we could’ve expected. She really went to bat for us - without Toy we wouldn’t have gotten this home. She really changed our lives.
Indrit Bilbili from Bronx , NY via Zillow
Toy is a very professional lender. She will work with you under all the circumstances. She is highly experienced and will always act on what is best on your interest. Thanks to Toy, I was able to close my home purchase and my mortage application on time as the deadlines were very close. The communication with her never stopped even during the holidays ( which helped speed the process). With Toy you are in safe hands. I am forever grateful to her. She connects with her clients like no other. Please believe all the positive reviews below mine, as they are all true.
Tania C. from Yonkers , NY via Zillow
I worked with Toy to purchase my first Co-op and she was nothing short of amazing from beginning to end. She was patient, thorough, and always went above and beyond to help me obtain my mortgage. On top of being the utmost professional, she is kind and always made me feel like I was her top priority. She is extremely knowledgeable and honest. I highly recommend Toy for any of your lending needs.
Mel P from Kingston , NY via Zillow
Oh my, where to begin?! I am not being hyperbolic when I write that Toy is the best. She knows how to get things done quickly and efficiently and is incredibly compassionate. She genuinely cares about her clients. Even with COVID related delays, she got me closed in under 60 days, and that was with downpayment assistance from NYS! She is quick to answer questions and is always available. I am so grateful to her and her entire team. Highly, highly recommend.
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I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.