Don’t Have A Big Down Payment? Purchase Your Home With 0% Down

- You put 0% down and your lender pays an additional 2% for a total of 3% down
- Use gift funds for your entire downpayment
- Keep more money in your pocket for furniture, house repairs and maintenance

Our fast and simple loan process offers you low interest rates, plus fewer closing costs paid out of pocket

You can look forward to:
- Tracking technology that shows you the status of your loan and details prior to final approval
- Certificate of Occupancy not needed on conventional loans so you can get into your dream home sooner
- Multiple loan products and competitive pricing. We shop multiple lenders to find you the right mortgage option.
- Speed, technology and service that allow you to get into your home in less than 20 days

The time to expand your portfolio is now!

We have a quick and easy way to purchase more investment properties. Our Debt-Service Coverage Ratio (DSCR) loan allo you to qualify for investment properties based on prospective monthly rental income.
- Finance up to 20 properties
- Loan amounts up to $3M
- Eligible for short-term and long-term rentals
- Low reservs requirement – as little as 3 months needed. Can be closed in an LLC (Limited Liabiity Company)

Tired of monthly mortgage payments? Want to access the wealth built up in your home?

Banas Mortgage Buffalo offers low-rate, hassle-free reverse mortgages designed specifically for seniors aged 62 and above.
- Free Reverse Mortgage Qualifier: Get an instant estimate of your potential loan amount with our simple online tool.
- Expert Guidance: Our experienced team will explain your options clearly and help you choose the right reverse mortgage for your needs.
- Competitive Rates: Enjoy low interest rates and flexible terms that fit your budget.
- Fast & Efficient Process: We’ll guide you through every step, making the process smooth and stress-free.

30 years in the business
has taught us quite a few things…

No two borrowers are completely alike and when looking for a home, there are many choices. Knowing what’s available for their specific situation can be a buyer’s biggest asset. But what factors affect the type of home someone is able to buy? And when is it time to talk to a mortgage professional? We like the expression “the educated consumer is our best customer.” The more a potential buyer knows about how their credit, income, and down payment will affect their buying process, the better. We always encourage clients to come and have a chat with us before they begin meeting with their realtor.

We begin with an initial meeting. After that homebuyer are well armed with a range of information and tools needed to make the best decisions about their new home and mortgage because there are certainly a lot of options! Banas Mortgage Co. offers you a unique alternative to financing through a traditional bank. We work with many lenders and products to offer potential buyers a vast array of ways to create a mortgage. What does this mean? We are able to select the best rate and program for each and every client we help. At Banas Mortgage Co., we see you as a person, not a transaction.  

Whether you are purchasing, refinancing, or looking for a construction loan, let us help you find the best option! We are also looking forward to offering educational seminars coming this spring!

Reach us at 716-633-5888 for more information or to get pre-qualified!

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Paul Banas
Owner, Broker – NMLS # 45913

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Banas Mortgage New Banner Buffalo NY


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Paul Banas

Owner, Broker
NMLS 45913

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Debi Christ

Loan Originator
NMLS 2508871

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Brian Downing

Compliance Officer


Paul Banas the broker/owner has been in the mortgage business for 30 years which has taught him a few things….
Very few borrowers are exactly alike.When looking for a home there are many choices.People need to know what is available to them so they can make the best decision possible.There are always numerous choices; however credit, income & down payment are the main criteria.I like the expression “the educated consumer is our best customer.”

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