Adam Hynes
Senior Loan Officer
NMLS #180628
Direct: 631-588-5704
Mobile: 631-495-7716
Fax: 877-220-2681
330 South Service Road, Suite 130
Melville, NY 11747
Branch NMLS #900137
I am licensed to originate mortgage loans in the following state(s): NY
Watch this 2 minute video to learn more about the loan process

Adam Hynes

Prospect Mortgage Senior Loan Officer in Melville, New York

A Wide Range of Lending Needs

As a licensed Prospect Mortgage Senior Loan Officer in New York (NMLS #180628), Adam can assist you with your home loan needs, including: 

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

Adam welcomes the opportunity to serve your needs with quick and accurate real estate financing advice. Adam 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 Adam Hynes Anytime

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

Adam Hynes is 203(k) Renovation Lending Certified

Adam is also 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.

Adam 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 Adam Hynes if you’d like 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.

2
Please consult a tax advisor for further information regarding the deductibility of interest and charges.

What are people saying about Adam Hynes?

"Adam Hynes is the best. He was very helpful and did what ever it takes."
- Robert K.,  Baiting Hollow, NY
"Adam stayed on top of the progress of the loan throughout the process and helped with anything needed along the way."
- Jason S.,  Sound Beach, NY
"Adam kept me in the know, and what I didn't understand he took the time to explain to me."
- Tiffany B.,  Elmont, NY
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Watch this 2 minute video to learn more about the loan process

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