approximately $12.9 billion and more than $900 million in net worth, is one of the most strongly capitalized savings banks in the country, and looks to its mortgage company to deliver a wide array of creative loans for its portfolio.

Until 1996, Emigrant focused primarily on retail lending in the metropolitan New York City area. Starting in 1997, their loan programs were gradually rolled out to select national markets on a wholesale basis through their BrokerDirect program. Florida and Massachusetts were followed by Pennsylvania in 1998. Expansion has been gradual and controlled to ensure that quality service is not compromised, as quality customer service is of paramount importance in Emigrant's philosophy.

As a "niche" lender, Emigrant applies common sense underwriting to close loans which do not "fit the box" of most other lenders. As a jumbo/super-jumbo lender, Emigrant regularly closes loans with loan amounts up to $10 million. Emigrant has built a strong reputation for closing condominium and cooperative loans as routinely as 1-4 family loans. In addition to their portfolio programs, they also offer traditional Agency (FNMA/FHLMC) fixed rate products.

Their unique approach to lending and their flexible underwriting have provided us with the foundation to excel as a portfolio lender of custom mortgage products. Their expert staff of mortgage and real estate professionals understands today's dynamic and competitive marketplace and they are ready to work with you: helping you to help your client "Get More From Their Mortgage".