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My mission is to help you clearly understand your mortgage. I am your Spy willing to explain to you the entire process from A to Z. I am your GPS to a perfect Mortgage. Each 1 Teach 1 that's my Motto.

I provide purchase mortgages and refinance loans for owners and investors. I also have the ability to assist in the process of purchasing and refinancing commercial properties as well.


Whether you are purchasing your first home or refinancing your existing home, Atlantic Home Capital, Corp. can help assist you through the process. We will make it easier for you to understand how the process works and assist you in determining what you can afford and the mortgage amount you qualify for. In short, we will help you find the right loan for you and your financial goals. Our company's success is based upon our commitment to our clients. Atlantic Home Capital Corp. prides itself in customer service.


1. Contract rates will crawl higher. A year ago, I anticipated that contract rates would move sideways to a degree. I was incorrect. They went up a great deal more than I had anticipated. However, not long from now I see the...
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The FHA mortgage program has become a very popular mortgage program with first time home buyers. Home buyers do have many options with mortgage programs when looking to get pre-approved, but the FHA program has become the...
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How To Get Your Purchase Approved More Quickly For buyers wanting to close quickly, some of the loan factors will be beyond your control. For example, you cannot control how fast an appraisal is performed because the...
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Now is the ideal time for an alternate portion of "contract match-ups." Today's match-up: "Second contract vs. home value credit." This is an epic encounter of the lesser liens, which while subordinate to their first...
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It's time for another mortgage match-up folks. Today, we'll look at 30-year vs. 10-year mortgages to see how they stack up.Before we get started, it's important to note that there are two very different types...
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Since 2009, the Congress, FHFA and the FHA have introduced and/or improved a myriad of homeowner-friendly mortgage programs including the HARP refinance, the FHA Streamline Refinance, the USDA Streamline Refinance and other...
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The Federal Housing Administration (FHA) was established in 1934, a period of "heavy renting". The U.S. was emerging from The Great Depression. Just 4 in 10 households owned their homes. At the time, mortgage terms were...
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Buying a home is one of the most important financial steps you will make. It will only benefit you if you do your homework prior to purchasing your home. What's your financial situation? Having a clear understanding of...
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“Gene was a highly professional and personable financial advisor. I can honestly say he made our refinancing experience a pleasure. He provided us answers to any questions we had either from himself or by finding the right people for us to contact in a very timely manner. I would use his help in any future endeavors and recommend him highly.” August 3, 2010

Top qualities: Great Results, Personable, Expert

debbie gallone,
hired Gene as a Financial Advisor in 2009

 - Highly likely to recommend
07/31/2013 - user79309286
Closed refinance loan. Rome, NY
I appreciated Gene’s knowledge and responsiveness when dealing with him. He was supportive from my first interaction with him in January 2013, at that time it was not something that we were able to do. Gene at that time took his time to explain to me how refinancing works and the best approach we can take. Come June 2013 after receiving several calls from numerous mortgage brokers I got back on the phone and called Gene. I think that says something there. My 1 interaction with Gene in January left a lasting impression. I called him immediately after ending with a broker. This goes to show you first impressions are lasting. The brokers that had called me were offering all the same rate “a great one” but I wanted the experience and the compassion that I knew Gene was willing to provide me. I have and will continue to recommend Gene Neal to everyone that I speak with. Thanks again Gene!!! In 15 years I’ll send you a post card from my vacation home :)
 - Highly likely to recommend
08/01/2013 - Jeanine Grazidei
Closed refinance loan. Bayport, NY
I would highly recommend Gene to anyone who is looking to refinance ,obtain a mortgage or any loan. He is very knowledgeable, trustworthy and patient. I had a mortgage at a high rate and a home equity loan that I was trying to refinance and combine to one loan and neither on of my banks would work with me because I didn't fit into there criteria, getting frustrated and annoyed with other banks he was able to reassure me that he could help me out and I am so glad that I let go and trusted him. Through it all Gene was very kind, considerate, and he even educated me along the way. He was very supportive through it all and I am very thankful to him and would do business with him again anytime.
 - Highly likely to recommend
08/04/2013 - user9726295
Closed refinance loan. Center Moriches, NY
I found Gene Neal to be incredibly professional. With us he has been honest, straight forward, trustworthy, extremely helpful, knowledgeable, patient and respectful. I would, without hesitation, refer him to any one I know looking to buy or refinance a home.

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