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
Santos Da Silva from Beacon , NY via Zillow
We are first-time homebuyers, buying in the middle of a pandemic. We reached out to Toy based on prior reviews. If you are reading this while researching your choices, it's safe to stop now and get in touch with Toy. She worked relentlessly for us, even when our deal hit a hitch at almost the last minute. She is kind, calming, and responsive, a truly reassuring presence during a stressful process. We got an amazing deal. Toy's work on our behalf will have effects for the life of our mortgage.
David from The Bronx , NY via Zillow
Ms. Toy Ng without a doubt is one heck of smart, professional, honest person with a ton of experience in NYC Co-op buying process. She was upfront from the start stating that she would give me the best information for my needs even if it was to go with someone else to close the deal! I am convinced without her years of experience and savvy I would never have been able to purchase my dream home. Toy held my hand throughout the entire process! In this Covid era where there is no normal buying process (e.g meeting face to face with loan officers,bankers,lawyers,sellers,buyers,etc) Toy right off the bat directed all the traffic within the Co-OP buying process (I was CC on all the emails) telling who to sign which papers, docs for loans verification, where to Fedex for physical paperwork, THE WHOLE NINE YARDS!! I was only able to get my highly coveted NYC Co-OP due to her skills and others in the team. IT ONLY TOOK 3 WEEKS FROM START TO FINISH TO BUY MY DREAM HOME. A NYC CO-OP !!!! If you are contemplating buying a Co-op you definitely need a local banker that is intimate with the complicated process ESPECIALLY in these crazy times Toy is highly recommended from this very satisfied family!
The Jordans from Staten Island , NY via Zillow
Toy is a treasure to work with. She became our family friend and an essential part of "Team Jordan buys a house". She goes the extra mile and works with us and for us with tenacity! I really feel this could not have been accomplished without her.
mriley0131 from Mamaroneck , NY via Zillow
i am a first time home owner. Toy made the process quick and easy and all round enjoyable process. She was helpful and always available for my many questions.
JLB from The Bronx , NY via Zillow
My husband and I are first time homeowners and we were thrilled to work with Toy. She was a recommended by friends, and everything they said was true to form. She is professional, dedicated, transparent, and efficient. Even after our closing, she was available if we had any questions. Toy truly loves her job and the lines of communication were open throughout the entire process, even with late night calls, texts and emails. You will not get better customer service than her!
Jepsy from Hackettstown , NJ via Zillow
Toy was extremely professional from start to finish. She has a big heart for "first time buyers" like us. She even came to cheer us during our closing all the way from NY and made sure we go home with the keys. She is a stellar in this industry. Would highly recommend her!
Mount Vernon , NY via Zillow
Our dream of owning a home was finally realized 4 days ago. With the help of Toy Eng, she made this dream possible. We purchased a Single Family home with a FHA loan. Toy is professional, extremely knowledgeable but most of all compassionate. You knew that she cared and looked out for your best interest through this entire process. We are grateful to Toy for the tireless work and patience through this process.
Sleepy Hollow , NY via Zillow
I recently purchased a multi-family home in Westchester County, NY using an FHA loan, and long story short I could not have done it without Toy. From her 24/7 availability to her tireless work to get me the best rate possible, to her thorough knowledge of the entire purchasing process, she was definitely the linchpin for the sale, and occasionally and psychologist when it seemed to daunting to accomplish. I cannot recommend her highly enough.
Calculate your payment
Crunch your own numbers with our mortgage calculators. Run as many different scenarios as you’d like to see how much home you can afford.