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Whether our clients are purchasing a new property or refinancing an existing one, our mortgage bankers apply deep industry knowledge to recommend a financing strategy to achieve their goals. Our clients have access to a comprehensive suite of mortgage programs and flexible payment options for single-family, primary and vacation homes, condos, co-ops and investment properties.

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Interest-Only Mortgage Financing

Lending on Properties Owned by a Trust or LLC

Rate Discounts

Mortgage Loan Modification

100% Mortgage Financing Option

Construction Financing

Second Mortgage Program

Mortgage Pre-Approval Program

Hybrid Mortgage Solution

Mortgage Interest: 90-Day Rule

  • Interest-Only Mortgage Financing

    Pay only the interest on the money borrowed for the first 10 years of the mortgage, allowing you to receive incremental tax benefits and free up cash for other investments and opportunities.

  • Lending on Properties Owned by a Trust or LLC

    BNY Mellon allows for mortgage financing where properties are held in a Trust or LLC.

  • Rate Discounts

    For eligible borrowers, BNY Mellon offers significant discounts off standard mortgage rates based on the level of assets under management and/or deposits.

  • Mortgage Loan Modification

    An expedited alternative to refinancing. For a nominal fee, eligible borrowers can opt to change the interest rate and/or product on their BNY Mellon, N.A. mortgage loan without having to re-underwrite the credit or re-appraise the home.

  • 100% Mortgage Financing Option

    Borrow up to 100% of your home’s value by pledging qualified assets held with BNY Mellon in lieu of a cash down payment.

  • Construction Financing

    Enjoy the convenience of a single loan closing with the ability to lock in rates and terms prior to construction rather than after completion.

  • Second Mortgage Program

    For additional cash needs, obtain a second lien loan along with your BNY Mellon, N.A. mortgage, resulting in a lower blended rate and reduced interest costs relative to refinancing.

  • Mortgage Pre-Approval Program

    Apply and get approved for a mortgage prior to selecting a home for purchase. This provides you with peace of mind, improved bargaining power and faster closing.

  • Hybrid Mortgage Solution

    Combine two mortgage products into one closing, resulting in a lower blended rate, manage interest rate risk and improve cash flow.

  • Mortgage Interest: 90-Day Rule

    Homeowners with mortgage financing may have an extremely valuable deduction available to them. If you recently purchased a home without a mortgage, you may want to add leverage to your home to take advantage of the deduction.


Non-conforming residential Mortgages are exclusively available to BNY Mellon Wealth Management clients and qualified Pershing clients. Mortgage services, provided by BNY Mellon, N.A., are subject to credit approval.


As a result of the Secure and Fair Enforcement Act (S.A.F.E. Act). BNY Mellon Wealth Management's mortgage bankers are registered with the Nationwide Mortgage Licensing System and Registry (Registry). The unique identifier provided by the Registry for each mortgage banker is included in our S.A.F.E. ACT DISCLOSURE