Email:
yam@ylmortgage.com
yam@ylmortgage.com
Phone:
+1 (732) 860-9055
+1 (732) 860-9055
Welcome to Y&L Mortgage LLC, we turn the dream of homeownership into a reality — one family, one home, and one success story at a time.
Founded with a clear vision to simplify the mortgage journey for everyday people, Y&L Mortgage was built on the timeless principles of integrity, transparency, and unmatched customer service. We proudly serve clients across New Jersey and Pennsylvania, helping them find the right loan with confidence, clarity, and care and now we’re ready to bring our dedication and expertise to New Hampshire. Thank you to our amazing clients and supporters for your trust and belief in us. We’re committed to helping you achieve your homeownership dreams in NH!
Our journey began with me, Yam Adhikari, a seasoned mortgage professional who saw a gap in the market for personalized, client-first service in the lending industry. With years of experience and a deep understanding of financial tools and market dynamics, Yam built Y&L Mortgage LLC to help people like you achieve financial freedom through smart, accessible lending.
Every decision we make — from your first inquiry to the closing of your loan — is grounded in our founder’s vision: to treat every client like family and to make the mortgage process smooth, stress-free, and empowering.
Whether you’re a first-time homebuyer or a seasoned investor, we provide mortgage solutions that match your needs, including:
Not sure what fits your situation? We’ll walk you through the best option step by step.
We don’t believe in one-size-fits-all. Every client’s story is unique — and so is our approach. We take time to understand your needs, goals, and challenges.
With deep roots in New Jersey and Pennsylvania, we understand local markets, policies, and real estate trends that impact your mortgage decisions.
From digital applications to streamlined document processing, our advanced tools help save you time and reduce stress — so you can focus on your future, not paperwork.
We ensure competitive rates and terms, keeping you informed every step of the way with no hidden fees or confusing jargon.
When you choose Y&L Mortgage, you're not just getting a lender — you're gaining a partner who’s genuinely invested in your long-term success. We’re here for the questions, the what-ifs, the late-night worries, and the celebrations when your loan is approved.
Because your goals are our goals. And your success is our reputation.
Looking to buy, build, refinance, or invest? We’d love to help.
Contact Y&L Mortgage LLC today and let’s explore your options together.
Looking for a mortgage? We’d be delighted to discuss our range of mortgage options with you!
+1 (732) 860-9055 Apply Now.
NMLS #2547862
Y&L Mortgage LLC is accepting loan applications only in the following states : New Jersey, Pennsylvania and New Hamsphire
