I'm Seymour. Your local Loan Officer.

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Prequalify Now
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Seymour Williams

Loan Officer

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

Prequalify Now

About Seymour.

Seymour Williams, affectionately known as Sy, is the President of Accountable Financial Mortgage Company. The company started in December of 1988 and has served as a trusted resource, providing mortgage loans for all types of borrowers; including foreign nationals, those with less than perfect credit or those with atypical income streams.

The company is a New York State Registered Mortgage Broker, and it provides mortgage loans throughout the State of New York. We have helped numerous families fulfill their dreams of home ownership. We provide customized services and all types of mortgage loans including VA mortgages, FHA loans, FNMA loans and Reverse mortgages. We help borrowers refinance their existing mortgage loans to consolidate debts, pay for tuition or buy investment property. When you work with Accountable Financial Mortgage Company you get the loan that is right for you.

What's the best loan for my situation?

The answers to all your mortgage questions...

Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.

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No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.

No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.

A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.

Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.

Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.

The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.