Steven Parangi
Steven Parangi is a licensed mortgage loan originator (NMLS #76024) and attorney with over 20 years of experience in residential home lending. He is the founder of Alpine Mortgage (Company NMLS #56905), a residential mortgage brokerage established in 2002 serving borrowers across multiple states.
Throughout his career Steven has helped thousands of homebuyers, homeowners, and real estate investors throughout the mortgage process. His experience spans a wide range of loan programs including conventional, FHA, VA and non-QM loans. Steven works directly with clients to evaluate loan options, explain current mortgage rates and assist throughout the home financing process from application through closing.
Professional Background
Steven's background combines mortgage lending expertise with legal training providing a strong foundation in real estate transactions, lending regulations and consumer finance.
His professional experience includes:
Residential Lending
Conventional, FHA, VA, USDA, and Jumbo financing for primary residences, second homes, and investment properties across all 10 licensed states.
First-Time Homebuyers
Down payment assistance programs, first-time buyer education, and state specific programs including CHFA, NJHMFA, PHFA, TDHCA, CalHFA, and OHFA.
Self-Employed & Complex Income
Bank statement loans, asset depletion programs, P&L loans, and other Non-QM solutions for borrowers with non traditional income.
Investment Properties
DSCR loans qualifying on rental income, multi-family financing, and short term rental property loans across major investment markets.
Credit-Challenged Borrowers
FHA, VA and Non-QM programs for borrowers with FICO scores as low as 500, post-bankruptcy, post-foreclosure and credit recovery situations.
Refinancing & Cash-Out
Rate and term refinances, debt consolidation, cash-out refinances including Texas 50(a)(6) homestead transactions and reverse mortgages for homeowners 62+.
Areas of Expertise
Steven's expertise spans the full range of residential mortgage products, with particular depth in complex situations and state-specific regulations:
Media Mentions & Featured Quotes
Steven is regularly quoted by major financial and real estate publications on topics including mortgage rates, refinancing, credit qualification, home equity and the home buying process.
Recent publications featuring Steven Parangi:
- Bankrate — What to do if you inherit a house with a mortgage (October 2025)
- CBS News — Will mortgage rates fall below 6% in 2025? (January 2025)
- CBS News — Home equity loan vs. reverse mortgage (December 2025)
- Realtor.com — I can afford the mortgage, but not the maintenance (January 2026)
- Realtor.com / Yahoo Finance — Mortgage Shopping Tips for 2026 (December 2025)
- US News — 4 Questions Single Homebuyers Should Ask Themselves (March 2025)
- Homes.com — How appraisals help buyers and lenders avoid costly mistakes (October 2025)
- Insure.com — How to switch home insurance (October 2025)
- Credible.com — No-Down-Payment Mortgage: How To Buy a Home Without a Down Payment (February 2025)
- Credible.com — How to Get Rid of PMI: A Comprehensive Guide (January 2025)
- Credible.com — Understanding the Foreclosure Process (January 2025)
- GoBankingRates — 4 Key Signs You've Found the Right Reverse Mortgage Lender (January 2025)
- Refi.com — Conventional Loan Refinance Requirements in 2025 (January 2025)
- Refi.com — Is the FACOP Program Legit? (April 2025)
- Clever — Does an Eviction Affect Your Ability to Buy a House? (August 2025)
- Debt.org — Can You Buy a House with Collections?
- Mortgage Research Network — Everything You Should Know About Down Payment Gift Rules (January 2025)
- Realtor.com — The Credit Score You Need for a 0% Down Payment Loan (January 2026)
- CBS News — 7 Ways to get a lower mortgage rate in 2025 (January 2025)
- CBS News — What will happen to home equity levels in 2025? (January 2025)
Licensing & Credentials
- Licensed Mortgage Loan Originator: NMLS #76024
- Licensed Attorney: New Jersey & New York Bar
Mortgage licensing information may be verified through the Nationwide Multistate Licensing System (NMLS) at https://www.nmlsconsumeraccess.org
About Alpine Mortgage
Alpine Mortgage Services, LLC (NMLS #56905) is an independent residential mortgage brokerage founded by Steven Parangi in 2002. Headquartered in Montvale, New Jersey, Alpine is licensed in California, Colorado, Connecticut, Florida, Georgia, New Jersey, New York, Ohio, Pennsylvania, and Texas.
As an independent broker rather than a bank or direct lender, Alpine works with a broad network of wholesale lenders to offer borrowers access to:
- Multiple competing wholesale lenders with a wide variety of options
- Competitive mortgage rates backed by Alpine's Best Rate Guarantee
- Flexible underwriting options for borrowers with credit issues or non traditional income
This structure allows borrowers to explore loan programs that may not be available through a single retail bank or direct lender.
Editorial Standards & Content Review
Steven Parangi is responsible for reviewing and approving all content published on AlpineBanker.com. As both a licensed attorney and a licensed mortgage loan originator with over 20 years of experience, Steven reviews content to ensure:
- Loan program eligibility requirements are accurate and current
- Mortgage rate information reflects current market conditions
- State regulations and lending requirements are correctly represented
- Federal regulatory disclosures and compliance language is accurate
- Borrower information is clear, accurate, and unbiased
Content follows our Editorial Policy and is reviewed regularly to reflect current lending guidelines, mortgage program eligibility requirements and market conditions.
Contact Steven
For mortgage inquiries, loan consultations or media requests:
Steven Parangi
Licensed Mortgage Loan Originator (NMLS #76024)
Alpine Mortgage
210 Summit Avenue, Suite A3
Montvale, NJ 07645
Phone: (201) 488-8809
Email: [email protected]
Information provided on AlpineBanker.com is for educational purposes only and does not constitute legal advice, financial advice or a commitment to lend. Loan programs, rates and guidelines are subject to change without notice and may vary by borrower qualification and property type.
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