Eric Benigno - Interstate Home Loan Center, Inc.

Eric Benigno

NMLS: 1996280

Licensed Loan Officer

After 15 years in leadership roles across top brand retailers, I decided to take my career path into residential mortgages. Nothing makes me happier than to ensure my customers are 100% satisfied and nothing is more rewarding than helping one afford their dream home.

Purchasing your first home is the biggest transaction you will make, and I will help you navigate that path as well as refinance your current mortgage to lower your rate and/or leverage your equity to build that brand new kitchen.

I believe being your lender is an everlasting relationship not just until the day you close but for all mortgage inquires you, your family and friends need moving forward.

Licensed in: CA, CT, FL, GA, NC, NJ, NY, PA & SC

Cell: 516-250-3696

Direct: 631-414-7318

Email: Ebenigno@goihlc.com

Responsive Crypto Ahhmazing

Firstly, I would highly recommend working with Eric Benigno. He is wonderful person to work with and extremely responsiveness. He truly enjoys mortgages. As funny as it may seems, he is knowledgeable and walked me through all my what if scenario questions, example what's ARM, what's FHA, should I float my interest rate? Step by step, he reviewed it all with me. It's easy to recommend someone, when things go flawlessly. However, That was not the case for me. Things that were complex in my scenario: Purchasing over asking in a hot market, getting crypto funds approved (new to bank lenders), not getting a high enough appraisal, conventional loan had a slightly higher Debt to Income ratio. Eric walked me through each of these hurdles. He worked with his internal team to find each solution. I ended up going with an FHA loan after my conventional loan offer was accepted and reduce my interest rate by 0.6%! He asked his team, how he could help me accept some of my crypto funds and walked me through the process again! Step by step on where to find the appropriate documents. During the appraisal process, we spent over one hour on the phone discussing various comps in the neighborhood and seeing how could dispute the lower appraisal in a hot housing market. Homes in the neighborhood, were selling 25-50k over asking and the my appraisal didn't reflect that. However, we still closed on time and I was grateful he spent that time to review documentation with me. Overall, Eric is a wonderful lender to work with. & his response time is unmatched. We had multiple calls after 6pm, he messaged me right away 9am to lock interest rates. After reviewing 6-9 lenders, this was probably the biggest reason I went with Eric, because his response time is unmatched. As I look forward to playing real life monopoly, I will definitely be calling on Eric often to help me with future loans.

  • LOAN STATUS: Closed Apr 2022
  • CLOSE ON TIME: Yes
  • INTEREST RATE: Lower than expected
  • FEES/CLOSING COSTS: Lower than expected

SamBuysHomes from Charlotte, NC

WONDERFUL EXPERIENCE

Refinance/mortgages can be an extremely stressful process. Eric and the team and Interstate went above and beyond to ensure a smooth and transparent process. All along the way I knew exactly what was needed from me and was continuously updated on the status of my loan. I will continue to use and recommend Eric and the Interstate team for my home lending needs. THANK YOU ERIC!

  • LOAN STATUS: Closed Apr 2022
  • LOAN TYPE: Refinance
  • CLOSE ON TIME: Yes
  • INTEREST RATE: Lower than expected
  • FEES/CLOSING COSTS: Lower than expected

Frank A from Merrick, NY

The best

He was the most responsive and always the first to answer any questions that came to my mind. One of friendliest, knowledgeable, understanding and genuine people I’ve ever got to work with and build a relationship with. Thanks Eric!!!!

  • LOAN STATUS: Closed Mar 2022
  • LOAN TYPE: Purchase
  • CLOSE ON TIME: Yes
  • INTEREST RATE: Lower than expected
  • FEES/CLOSING COSTS: As expected

maahadhassan from New York, NY

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