About Sal Mangiameli

As a licensed HomeBridge Mortgage Loan Originator in New York (NMLS #78695), Sal Mangiameli can assist you with your home loan needs, including:

  • First-Time Purchase
  • Second-Home Purchase
  • Refinance
  • FHA and VA
  • Conventional
  • 203(k) Renovation
  • Jumbo

Sal welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Sal has the expertise and knowledge, and will make sure you understand the features associated with the loan program you choose and that it meets your unique financial situation.

Contact Sal Mangiameli Anytime

Feel free to contact Sal anytime by phone or email for personalized service and expert advice. Sal Mangiameli will extend the same professional service to your friends, family members, work colleagues or neighbors who need help.

Sal Mangiameli is 203(k) Renovation Lending Certified

Sal is certified in 203(k) Renovation Lending, a program particularly well suited for buyers of fixer-uppers and REOs in need of repair. Homebuyers can finance both the purchase and future repairs on their new home with one loan.

The Renovation Loan offers some great features. The amount of money you are permitted to borrow for the purchase and renovations is based on the increased value of your home after improvements are made1. Also, because renovation costs are spread throughout the entire term of the loan, monthly payments are often lower than other financing options. With the loan, there is also no need to delay improvements. You can start in immediately after closing. Another great feature is the loan's simplicity - one application, one set of fees and closing costs, one closing to attend and one payment each month. The interest on the cost of your improvements, included in your mortgage, may be tax deductible2 as well.

Sal Mangiameli values your business and will provide you with the best professional service and mortgage solutions that make most sense for you and your unique financial situation and real estate goals.

Please contact Sal by phone, email or filling out the pre-approval form on the right to get more information about our Renovation Loan, or any other mortgage financing solution. I look forward to working with you!

1For 203k purchase transactions the maximum loan amount is the lesser of the sales price + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. For refinance transactions the maximum loan amount is the lesser of the property value before renovation + renovation costs or 110% of the as-completed value, times the maximum loan-to-value. Loan amount must be within FHA county loan limits.

For HomeStyle® purchase transactions the maximum loan amount is based on the lesser of the sales price + renovation costs or 100% of the as-completed value, times the maximum loan-to-value allowable. For refinance transactions the maximum loan amount is based on the lesser of 1) 100% of the as-completed value times the maximum loan-to-value or 2) the balance on the existing loan plus the renovation cost plus the settlement costs. The maximum repair amount is limited to 50% of the as-completed value. HomeStyle® is a registered trademark of Fannie Mae.

2Please consult a tax advisor for further information regarding the deductibility of interest and charges.
For your home improvement needs, visit Service Finance Company, LLC to find a trusted local contractor.

Homebridge may receive compensation for referring you to Service Finance Company, LLC.

What Our Customers Say About Me

    Trustpilot
Ricardo C. Aug-18
“Excellent service and very professional.”
Ricardo C. August 2018
“Excellent service and very professional.”
Ricardo C. August 2018
“Excellent service and very professional.”
Andrew M. May 2018
“Fantastic team!”
Michelle K. March 2018
“Helpful, respectful and courteous.”
Keith K. March 2018
“They were very helpful.”
Chaderton A. October 2017
“Salvatore is a great Mortgage Loan Originator.”
Nadiya G. Chester, NY
“Work ethic and professionalism is outstanding. Thank you.”
Nadiya G. Monroe, NY
“To stay on top of all questions and answers buyers need is "more than you can ask for " service. Dedication and respect, knowledge and personal touch made this transaction successful. Thank you.”
Terry F. Cortlandt Manor, NY
“Thank you Sal for a speedy closing for Sarah and Eric.”
Barbara S. Middletown, NY
“Sal goes above and beyond to help buyers obtain their goal of "”
Barbara S. Bloomingburg, NY
“Sal is the best! He answers all questions, solves problems in a timely manner. He rates 100% with his customer service. Way to go Sal!”
Nahid R. Nyack , NY
“Sal was great!”
Donna F. Monroe, NY
“Sal was terrific. He is diligent and perseveres in even the worst of situations - which this happened to be. I have referred Sal to many of my clients and will continue to do so.”
Kevin A. Central Valley, NY
“Sal always does a great job. Like working with him.”
David B. Highland Mills, NY
“Our Loan Officer Sal Mangiameli was persistent, knowledgeable, and compassionate during our home buying process. He made everything simple and uncomplicated while he meticulously covered everything from soup to nuts. Each time I called him during purchasing our home, he always remained patient and professional, and answered all my questions. He took the time to explain every fine detail about the home buying process etc. Lastly, his great sense of humor, kindness, expertise, tenacity and authenticity made our home buying experience pleasant and wonderful!!!!”
Luis R. Otisville , NY
“Our experience so far is great, waiting on the closing to see how our last steps will be.”
Joseph B. Florida, NY
“Mr. Mangiameli was extremely helpful and available whenever we called and he walked us through a most confusing process. I would recommend Mr. Mangiameli to my family and friends.”
Tanya K. Goshen, NY
“It was done in a timely manner. No problems at closing. All nice and smooth.”
John M. Middletown, NY
“I know it took a while, but I also know it turned complex and you also took it over mid stream. Sal did an outstanding job and I would never have any doubts about sending more leads his way. Great Job.”
Emma H. Warwick, NY
“I have had such a positive and supportive experience and my Loan Officer Sal M. is a truly supportive and professional individual and has been consistent every step of the way which I have truly appreciated .”
Joanne C. New Windsor, NY
“I am always pleased with the service that Sal Mangiameli provides. For 23 years, I have used him countless times, because he is extremely dedicated, caring, and responsive to the clients and agents. I can count on Sal to explain the mortgage process to every client, as many times as necessary, while never being condescending or impatient. He is someone, who I will continue to refer.”
Connie A. Bloomingburg, NY
“He was experienced in 203k rehab loans, and he actively communicated during the process”
Kevin C. Stony Point, NY
“He was always reachable and walked me through the entire process.”
Dien L. Middletown, NY
“He stayed on top of things & kept us in the loop”
Nadiya G. Warwick, NY
“He is really professional. I am glad to have worked with Sal Mangiameli.”
Lawrence F. Chester, NY
“Excellent”
Lawrence F. Chester, NY
“Everything possible and very courteous.”
Nadiya G. Monroe, NY
“Commitment, dedication, respect and honesty this is what you get. My client are Happy and they got the house they want”
Jessica A. Fishkill, NY
“Charity Schmidl kept me informed of everything happening on the loan paperwork. She helped me feel supported in the process of getting this loan, and I fully appreciated her assistance.”

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