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
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.
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 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.
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I'll be in touch shortly, and look forward to helping you find the right loan to fit your needs.