Name

Nikitas Kouimanis 917-557-0003 NMLS # 9659

Company

Sterling National Bank

E-mail

Contact Nikitas Kouimanis 917-557-0003 NMLS # 9659 (Sterling National Bank)

Website

http://www.sterlingnational.com/nkouimanis

Office Phone

(800) 345-7332 x 2420

Cell Phone

(917) 557-0003

Alt. Phone

(516) 708-2420

Fax

(516) 570-4649

Address

98 Cuttermill Rd. Suite 200N, Great Neck, NY, 11021

Description

Trust. Professionalism. Integrity. Creative Mortgage Solutions for Every Mortgage Need The right mortgage Professional and the right mortgage products will have a significant positive impact.

About Me And About Us

I am a Mortgage Specialist NMLS # 9659 with 11 years of experience with great knowledge of all products in this industry. My goal has always been to make sure the loans I work on are the best fit for my clients. I have never and will never place a client in a program that doesn't fit their budget or lifestyle. I take great pride in my dedication to client satisfaction. I strive to develop a trusting, honest, long term relationship with my clients so much that, at the end, we are friends or even extended family.

I am dedicated to the highest standards of ethics and responsiveness in its effort to meet the changing needs of borrowers in a constantly shifting environment.

 I make our experience count. I am personable, educated, skilled and experienced. I work hard to build long-term relationships that result in repeat business and referrals.

 Rapid and courteous response. I and my staff will endeavor to offer swift, courteous and professional service towards obtaining rapid approval. I will work around your schedule to implement what is in the client's best interest.

 Creative thinking. As each loan application is unique, I pay utmost attention to our clients' needs, and offer options that are right for their situation at the most competitive rates and terms.

 I encourage communication and client feedback. We strive to educate our client on every step of the loan process. I constantly maintain our qualitative edge by soliciting client interaction and implementing astute suggestions. I believe the loan process is a team effort.

 Careful attention to detail. Our pledge is to prepare each loan with adequate and proper documentation, which is the key to a successful and smooth loan process.

 A pleasant experience. Financing your home is a lifetime event. My commitment is to attend to your needs and render the process smooth and hassle-free. We believe the loan process should be an enjoyable ride. 

Many people are taking advantage of today's single digit interest rates to refinance their home into a fixed rate mortgage and lower their monthly mortgage payment.

 

Like most, your mortgage payment may be the largest expense you have in your monthly budget. Now is the absolute best time to reduce your monthly payment and put extra cash in your pocket.

 

No matter why you choose to refinance, simply call Sterling and let one of our knowledgeable loan officers give you the information needed to make a smart financial decision.

 

 

No matter what your circumstances, there may be times when you are swamped with bills and unsure of what to do. If you are a homeowner, a debt consolidation loan allows you to condense your monthly payments into one simple bill, while potentially lowering your interest rates and monthly payments.

Since 1929, Sterling National Bank has successfully served the needs of businesses, professionals and individuals in the NY metropolitan area and beyond. Sterling is well-known for its high-touch, hands-on approach to customer service and a special focus on serving the business community. Sterling National Bank is the principal banking subsidiary of Sterling Bancorp (NYSE: STL), a New York City-based financial corporation with assets exceeding $2 billion.

 

Sterling offers clients a full range of depository and cash management services plus a broad portfolio of financing solutions including working capital lines, accounts receivable and inventory financing, factoring, trade financing, payroll funding and processing, equipment leasing and financing, commercial and residential mortgages and mortgage warehouse lines of credit.

 

 

 

 

 

 

 

Areas of Expertise And Loan Products

Sterling National Mortgage specializes in customizing loans to meet your individual needs. Our wide variety of loan programs, along with our flexibility, make it easy for us to help you even if you have been turned down before. 

Fixed Rate Mortgages
With a Fixed Rate Mortgage, you have the security of knowing your exact monthly payment. This type of loan locks in a set interest rate from the start, so monthly payments remain the same throughout the life of the loan. Budgeting becomes easier because changing market conditions will never cause your interest rate to rise.

Adjustable Rate Mortgages
An Adjustable Rate Mortgage(ARM) is a loan in which the interest rate is adjusted periodically based on a preselected index. An ARM's low initial interest rate usually translates into lower monthly payments compared to most fixed rate mortgages. This can help make a new home more attainable. Sterling National Mortgage ARM's are available with annual and lifetime ceiling caps. Options include adjustable rates that range from 1 month to 10 years. The terms of the life of the mortgage can be as long as 20, 30, or 40 years.

Interest Only Mortgages
With an Interest Only loan, your initial payment applies only to the interest due on the mortgage. This is for a fixed term which usually lasts 5 to 10 years. At the end of the term your payment will increase so that your principal is paid in full by the end of the loan term.

Conforming Mortgages
A Conforming Mortgage complies with specific Federal National Mortgage Association (FNMA) and Federal Home Loan Mortgage Corporation (FHLMC) underwriting guidelines.

Jumbo Mortgages
A Jumbo Mortgage is a home loan that exceeds the limit set by Fannie Mae and Freddie Mac.

Debt Consolidation
You can consolidate debt by taking out one loan to pay off other loans. This may help you secure a lower overall interest rate on your debt and give you the convenience of only having to pay one loan. You can alleviate your financial situation by paying off high interest credit card debt, auto loans, college tuition, and other personal loans.

Cash-Out Refinance
A Cash-Out Refinance allows you to take out a loan for more than the remaining balance of the current mortgage. This lets you access the equity you have built up in your home.

No Income Check Verification Mortgages
A No Income Check Verification Mortgage allows you to qualify for a mortgage without having to verify income or assets. These loans are mostly used by self-employed borrowers who have difficulty verifying all of their income or by borrowers who get most of their income from commissions or tips.

First Time Home Buyer Programs
First-Time Home Buyer programs put a mortgage well within your reach. Qualifying guidelines are less stringent than with conventional mortgages with very low down payments. 

FHA Loans
FHA loans are insured by the Federal Housing Administration and allow you to qualify for a larger loan when compared to conventional mortgage guidelines. FHA loans are generous enough to handle moderately priced homes almost anywhere in the country and are open to all qualified homebuyers.

Home Equity Loans  You can borrow against the equity you have built up in your home by taking out a Home Equity Loan, or Second Mortgage. Home equity is the difference between the amount you owe on your existing mortgage and your home's current market value. People typically use Home Equity Loans to do home improvements, pay off credit card debt, or make a large purchase.

 

 

 

 

Testimonials

 

Nikitas Kouimanis, a Mortgage Loan Officer, received the e-mail below from a very happy client.

Nikitas, I wanted to take a quick minute to extend my thanks for your efforts in managing our mortgage refinance.  It had been several years since I had been through the mortgage loan process, and I very much appreciated your willingness to “hand hold” me through the entirety.  Your prompt and thorough response helped me to remain at ease through the process.

 Sincerely,

Linda Casbeer

The e-mail below was written to Eric Schachter by a mortgage customer who wanted to congratulate Nikitas Kouimanis.  Even though the clients live in another state, Nikitas was able to make them feel as though they were just a few blocks away.

Hello,

We wanted to take some time to inform you of how happy our family is with our refinancing process through Sterling and specifically with working with Nikitas.  To be honest, we entered the refinance process with a bit of trepidation, as we weren’t sure what to expect and questioned whether we would get the attention needed while working with a remote company.  Nikitas quickly alleviated our concerns by answering all of our questions both quickly and comprehensively.   He was very responsive and also called directly whenever more information was needed so the process would not be delayed.

Tad works in the IT industry, where faceless interaction for long periods of time is the norm, and we have completed multiple large purchases with remote companies.  However, we believe some companies forget the need to develop a relationship with the customer even though they may never meet them face-to-face.  We can honestly say that Sterling and Nikitas, in particular, did not forget this important part to doing business.  We appreciate all the help we received throughout the process and look forward to continuing to do business with you.

Sincerely,

 Kari & Tad Carlson

Dear Managment Team For Nikitas Kouimanis

We had a pleasure and good working relationship with Mr. Nikitas Kouimanis as our loan officer. He has a great knowledgeable and helpful with our refinancing loan application. He was honest in explaining on how the loan works and time consuming. He has helped us out when we were trying to get our refinancing loan to be approved. We had problems with Ally Corp. who took over GMAC Mortgage Co. They turned down our refinancing loan due to a lack of employment status.

We were glad that you took us in with your bank. I would recommend to others who are need for refinancing, or buying a new home. You did a great job of helping others who are in need of help during the economy crisis. Your bank is #1 in customer satisfaction.

Thank you,

Mr. and Mrs. Michael and Gina Colombo

 

Nikitas is a pure executor. Ask for a solution and get it quickly. It's my pleasure being a small part of Nikitas network. Thanks for your support." December 16, 2009

Ricardo Andorinho , Founder and Business Developer , MBUintelligence
was with another company when working with Nikitas at Trump Financial

Nikitas is a very active and capable guy, whom I have known for a while. I strongly believe he will make a great success soon." August 25, 2009

Jonathan Zhang , Managing Director , 5CGroup International Corporation
was a consultant or contractor to Nikitas at Trump Financial

 Nik is an industrious professional that know his clients' need. Prompt in closing transactions and knowledgeable about his products. Call Nik if you need financial advise, he won't disappoint you." May 20, 2009

Owen Geronimo , Real Estate Sales , World Properties For Sale
was with another company when working with Nikitas at Close It For Me

 Nikitas is a superb guy to work with. He is also Straight Shooter when he tells you, What it can be done or not, If I have a problem with the clients, he tells me how to resolves it. That is a leadership." December 17, 2008

Ken Sorrentino , Senior Mortgage Broker / Commercial , Southwest CT Funding
reported to Nikitas at Continental Home Loans Inc

 I have been doing business with Nikitas for the past few years & has always been a hard worker. He has always managed his team in a way that was both professional & strategic. He is a great asset to the company he works for now & any company he worked for in the past. Howard Sloane Divisional Sales Manager Continental Home Loans 175 Pinelawn Rd. Suite 402 Melville NY 11747 Office: 631-390-7033 Cell: 718-207-1652 Fax: 516-627-2626" December 17, 2008

Howard Sloane , Sr. Account Executive , New Century Mortgage
worked with Nikitas at Continental Home Loans Inc

 Mortgage Expert. Well versed in all Mortgage Programs. Able to answer any and all questions." April 7, 2010

Michael Rocco , Michael Rocco Mortgage Consultant E-mail: michael.rocco@hotmail.com , UNDER 620 Credit Score Mortgage Lender E-mail: michael.rocco@hotmail.com
worked directly with Nikitas at Global Home Loans

 

Nikita is a man of honour, i will give my best recommendations to everyone in my entire network to do business or have advice from Nikita! Respectfully yours -Tord" November 19, 2009

Tord Sand , Human Resource Manager , Unofon / FixTelecom
was a consultant or contractor to Nikitas at Global Home Loans

I really wish to recommend Nikitas to my network, and wish him good luck also in the future. Regards Tord" August 3, 2009

Top qualities: Personable , High Integrity , Creative

Tord Sand
hired Nikitas as a in his profession in 2006

 Mr.Nikitas is well versed in what he does and treats his customers with class and dignity. I recommend him. - Mr.Daniel Chege POPPA PRODUTIONS WEB DESIGNS : :" May 19, 2009

Daniel Chege - SEO poppaproductionz@hotmail.com , Founder and President , Poppa Productions Web Designs
was with another company when working with Nikitas at Global Home Loans

 Nikitas Kouimanis is a person whom I met in linkedin and is a trusted member of my network. I do expect closer collaboration in business projects quite soon. Please refer to Nikitas when dealing with the mortgage business." May 17, 2009

MARCO RIBEIRO , Data Analyst , IBM
worked with Nikitas at Global Home Loans

 Nikitas Kouimanis is a great guy whom I met in linkedin. I am looking for our closer collaboration in our future business soon." May 16, 2009

Top qualities: Good Value , On Time , Creative

Jonathan Zhang
hired Nikitas as a consultant in 2009

 His Approach has alwasy been honest and profesional. Disclosure has been clear to me for what he has provided." May 16, 2009

Vicente Galindo , Owner , MTV World Lending
was with another company when working with Nikitas at Global Home Loans

 Nikitas is a Go-Getter and will close loans nobody else bother to even look at them!" May 16, 2009

Fabio Sekoff , CEO , Best Homes Ltd/Sekoff Investments Corp
was with another company when working with Nikitas at Global Home Loans

 Nikitas have been great to help me to built my clients and make it success. I thanks him for being there. If I was on my own, it would be tough spot." December 17, 2008

Ken Sorrentino , Senior Mortgage Broker / Commercial , Southwest CT Funding
reported to Nikitas at Continental Home Loans Inc

 Nikitas is a please to work with, and is always responsive, timely and professional! I look forward to many more years of working together!" January 25, 2010

Glory Bilalli , Broker/Owner , Commercial Funding Now
was with another company when working with Nikitas at Refinance.com

 Nikitas Kouimanis is warm, friendly, great networker and introducer of people. It is an absolute pleasure to have someone so sincere as a part of my network. Looking forward to creating great successes together in near future." December 24, 2009

Zia U.K. Mazumder , Manager Merchandising , Sunman Group of Industries [ mmplc@aol.com].
was with another company when working with Nikitas at Refinance.com

Nikitas is a top notch networker! Happy to count him in my circle of business connections." October 22, 2009

Susan Williams , CEO and Founder , The Model Teez
was with another company when working with Nikitas at Refinance.com

 I connected with Nikitas Kouimanis on Linkedin and he is a member of my network. It appears that he has good experience in mortgages doing so for 5 years. Please refer to Nikitas when dealing with the mortgage or finance business in the US." October 14, 2009

Dr Greg Nazvanov MBA CFP® , Author of 15 books on Art, Investing, Business Succession, Estate Planning, a Financial Planner , Moneytree Partners
was with another company when working with Nikitas at Refinance.com

 Nikitas is a great person to talk with, learning from him and being his friend is a great honor for me. just give him a call and things will start changing :)" July 11, 2009

Joel Copeland , Director , Success University
was with another company when working with Nikitas at Refinance.com

 Nikitas will take exceptional care of all your home financial needs. He will exceed all your expectations in timelines and customer service and follow up. Please send all your New York clients to him for incredible service. Thank you, Robin Weirich Principal Prestige Financial Services." June 10, 2009

Robin Weirich , Principal , Prestige Financial Services
was with another company when working with Nikitas at Refinance.com

 Nikitas is most professional and diligent in his dealings with clients. His knowledge of his industry and ability to communicate clearly make him an asset for anyone." May 20, 2009

Bill Kovach , COO , KovachCommunications.com
was with another company when working with Nikitas at Refinance.com

 Nikitas is a superb employee. He always gets the job done. He is an asset to any company." May 20, 2009

Steven Maida , Account Executive , Continental Home Loans, Inc.
worked with Nikitas at Refinance.com

 During my dealings with Nikitas, Nikitas was a very hard worker and very insightful on the needs of his clients. I found him to be very knowledgeable about his products and very accomodating in getting your needs addressed and taken care of within the timeframe and framework of your expectations. I would recommend him to any mortgage and insurance company for I believe he would be a valuable asset to the company. Kudos to Nikiktas....I wish him well in his endeavors." May 19, 2009

Colette Friedman , Executive Assistant - on all formal jobs , Self Employed - Songwriting/published Author - Executive Assistant
worked directly with Nikitas at Refinance.com

 Recommended for the New York Market Area. Regards, Paul Johnson" May 19, 2009

Paul Johnson , CEO , Vegas Valley Appraisal
was with another company when working with Nikitas at Refinance.com

Nikitas has always been a true professional! He is diligent, patient, and is a pleasure to work with." May 19, 2009

Brian C. Aber , Senior Account Executive , HTDI Financial
was with another company when working with Nikitas at Refinance.com

Nikitas is a great person to complete your task. Also good detail-oriented manager on his team. He would be very important asset to your company." May 19, 2009

Ken Sorrentino , Mortgage Planner & Wealth Management Advisor , Direct Mortgage Loan Services
was with another company when working with Nikitas at Refinance.com

 Nikitas is a well grounded in the Mortgage & Refinance field. I highly recommend this company for any mortgage needs. Tawana Williams Motivational Speaker/Author" May 19, 2009

Tawana Williams , Motivational Speaker/Author , Tawana Williams Outreach, Inc.
was with another company when working with Nikitas at Refinance.com

Nikitas is a great person and he can accomplished anything when he is focus. He done it quite well. You can contact me at anytime for more questions with Nikitas." December 17, 2008

Ken Sorrentino , Senior Mortgage Broker / Commercial , Southwest CT Funding

Nikitas is a solid contact, a great asset to any network.
Mr William Russell (6/24/09)

Vicente Galindo - Interesting ability to market to new clients.!!!...

Great net worker, trustfully, friendly & wonderful person. It's a pleasure to stay in touch and to be friend.

- Mr. Vipul K. Tank (6/20/09)

Great to have Nikitas in my network. Pleasure to recommend him to others.

- Cathleen Tyson (6/10/09)

great hard worker and a great soon to be husband

- Diana w (4/29/09)