Dreaming of Owning Your Own Home
in New York Tri-State Area?
Dreaming of Owning Your Own Home
in New York Tri-State Area?
Get Mortgage Preapproved in 45 Days or I Pay Your Appraisal
Calls Normally Cost $149 - Yours FREE If You Qualify)
Get $3,000 in Buyer Assistance + Full Preapproval.
Perfect Credit Score Not Required!
Attention NY Tri-State First Responders & Blue-Collar Workers...
If you're tired of throwing away $2,000+ every month on rent while being told you "can't qualify" for a mortgage, this will be the most important message you read this year.
Here's why...
You work hard for your money, but every month you hand over your paycheck to a landlord—which means:
No freedom to customize or improve your space
Missing out on growing property values
Zero equity, tax breaks, or long-term returns
Rising rents and unpredictable landlords
Delayed chance to build generational wealth
No financial leverage for future plans
Meet Your Guide
MALCOLM MARCELLE
NYPD Sergeant and Licensed Mortgage Loan Advisor
Over the years, I’ve helped many first responders and blue-collar families in the NY Tri-State area achieve homeownership, even when traditional banks said no.
I specialize in finding solutions for clients who:
Have lower credit scores
Need down payments as low as 3%
Work as self-employed or 1099 income earners
I understand how the mortgage system works because I navigate it every day — both as a public servant and as a mortgage professional.
If you’ve been told you “don’t qualify,” I’m here to show you that buying a home might still be possible.
I specialize in finding solutions for clients who:
I Was Denied 7 Times — Even With $100,000 in the Bank
Years ago, when I tried to buy my first home…
I had $100,000 saved. I had decent credit. And still…
Bank after bank turned me down.
No one would explain why.
I remember sitting in my car after my seventh rejection, thinking maybe owning a home just wasn’t for “people like me.”
I was embarrassed. Confused. Furious.
So I decided right there:
Nobody else should ever feel like this again.
That’s why I became a mortgage loan officer — so I could help first responders, blue-collar workers, and regular New Yorkers finally own a piece of this city.
The Lies That Keep You Paying Rent While Others Build Wealth
"You need 20% down."
"Your credit isn't good enough."
"The process is too complicated"
These are the lies you’ve been told for years — by banks, lenders, and even well-meaning friends and family.
They’re designed to keep you renting forever.
Here’s the truth:
You do not need 20% down to buy a home.
Many programs let you get in for as little as 3%.
You do not need perfect credit.
Some loans approve buyers with scores as low as 500.
The process doesn’t have to be complicated
especially when you have someone guiding you through every step.
You deserve to stop renting and start owning. And it’s far more possible than you’ve been led to believe.
The Lies That Keep You Paying Rent While Others Build Wealth
"You need 20% down."
"Your credit isn't good enough."
"The process is too complicated"
These are the lies you’ve been told for years — by banks, lenders, and even well-meaning friends and family.
They’re designed to keep you renting forever.
Here’s the truth:
You do not need 20% down to buy a home.
Many programs let you get in for as little as 3%.
You do not need perfect credit.
Some loans approve buyers with scores as low as 500.
The process doesn’t have to be complicated
especially when you have someone guiding you through every step.
You deserve to stop renting and start owning. And it’s far more possible than you’ve been led to believe.
Introducing
The First Responder Mortgage Blueprint
Your step-by-step path to homeownership in New York — even if banks have told you no.
Discover exactly why you were denied — and how to fix it.
Learn that you don’t need 20% down. (Most of my clients put down just 3-5%.)
Get pre-approved in days, not weeks.
Claim up to $3,000 back through my Community Heroes Lender’s Credit.
Feel calm and confident, because you know what’s happening every step of the way.
Walk Away With:
Fast-Track Loan Plan
Complete credit analysis, budget assessment, and timeline delivered in 48 hours.
($149 Value)
15-Min Personal Strategy Call
Pressure-free mortgage guidance tailored to your situation.
($149 Value)
Weekly Check-Ins From Me
Direct contact throughout your appraisal process.
(Priceless)
Up to $3,000 Buyer Assistance
Access the Community Hero Lender Credit Program for first responders.
($3,000 Value)
Down Payment & Credit Cheat Sheet + Preapproval Letter
Approval tips and insider hacks to shop with confidence from day one
($49 Value)
Homebuyer Timeline Guide
Every step from call to keys.
($29 Value)
Homebuyer Cost Breakdown Sheet
All closing costs and monthly expenses.
($49 Value)
Top 5 Closing Mistakes Guide
Prevent costly delays and errors.
($29 Value)
Homebuyer Starter Kit
Budget worksheet + moving checklist
($49 Value)
TOTAL VALUE: $3,503
YOUR INVESTMENT
TODAY: $0
Just book your free 15-minute strategy call, and you get all of this for FREE.
5 Families Will Get Closer to Owning Their Dream Home This Month — Will You Be One of Them?
Walk through the door of your own home for the first time.
Decorate your space without asking permission.
Host friends and family in a home that’s truly yours.
Build equity instead of paying someone else’s mortgage.
Feel secure knowing your housing costs aren’t controlled by a landlord.
Invest in your family’s future and generational wealth.
If I don't close your mortgage in 45 days, I'll pay your appraisal fee up to $600 in value - no questions asked.
What First-Time Homebuyers
Are Saying...
"Malcolm is very knowledgeable and attentive"
"He also provided great resources such as a glossary of terminologies to know when it comes to buying a house and a home buyer guide through his website."
- Naz Zan
"Malcolm Marcelle and his team are truly amazing"
"supported us every step of the process and made everything less stressful. He was there for us since day"
- April Mitchell
"Malcolm helped us through out our first time home buying process."
"Working with him was very smooth. He was easy to reach, very knowledgeable and have your best interest in mind. He also connected us with various contacts, making the home buying process easy and stress free. Definitely recommend! 👍"
- Sadia Afrin
So, What’s the Catch??
There isn't one. I make money when you close your home. The faster I get you approved, the faster we both win.
But there's a limit on the number of people I can work with.
Only 5 preapprovals per month for this offer.
What Happens Next
Book your free call
using the button below
Get your custom loan plan
within 48 hours
Receive your preapproval letter
and start home shopping
Close on your home in 45 days
or less (or I pay your appraisal)
You can keep renting and lose another $24,000+ this year while home prices continue rising, or take 15 minutes to discover how to get approved for your mortgage and start building equity.
Is This Right
For You?
You’re a first responder, blue-collar worker, or first-time homebuyer
You live in New York
You’ve been denied and want to know why
You’re tired of paying someone else’s mortgage
You want honest answers, not sales talk
You’re ready to finally take action
This Probably Isn’t For You If…
You’re looking for a million-dollar mansion
You want to figure this out completely alone
You’re not ready to share your financial info
You’re just “shopping around” with no real intention to buy
You live outside New York
You’re unwilling to follow expert advice
STILL NOT SURE?
Frequently Asked Questions
What if I have bad credit?
I work with credit scores as low as 500. If your score needs improvement, I'll give you a personalized roadmap to fix it quickly.
How much do I really need for a down payment?
As little as 3% with the right program. Plus, you may qualify for up to $3,000 in buyer
assistance.
What if I'm self-employed?
I specialize in 1099 and self-employed borrowers. I know exactly which programs work for your situation.
Is this really free?
Yes. I get paid when you close on your home. My success depends on your success.
What's the catch with the 45-day guarantee?
No catch. If we don't close in 45 days for any reason, I pay your appraisal fee up to $600. Period.
P.S... Every month you wait, home prices go up and you lose more money to rent.
The 5 families who get these preapproval spots this month will be building home equity while others are still "thinking about it."
Finally Unlock the Keys to Your Own New York Home…
Even If You’ve Been Denied Before
No Perfect Credit. No Big Piles of Cash Required.
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For information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Downtown Financial Group | NMLS #1830011 & #2072896 Powered by Go Rascal
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