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https://www.embracehomeloans.com/location/new-york/melville/jay-ghai
Business Hours: 9:00 am - 5:00 pm Mon-Fri
Loan Officer NMLS# 2546787
Jay Ghai is a trusted mortgage professional in Melville, NY 11747
Jitin “Jay” Ghai, one of our newest loan officers, brings a wealth of experience to Embrace from his diverse background in real estate and finance. Prior to joining our team, Jay held notable positions, including Real Estate Associate Broker/Salesperson at Property Professionals Realty and Real ...
5.0 (5.0 stars)
Kongwang G. from Syosset, NY
Completed transaction in September 25, 2026
Jay is an incredible realtor and was a huge help throughout our home search. He is always on call, no matter the time, and was incredibly responsive whenever we had a question or needed his help. We were honestly borderline house hunting at times, but Jay was patient with us and never made us feel pressured. He really took the time to understand what we were looking for and consistently found homes that fit our description and checklist. He knows the market well, was honest with his opinions, and helped us look at each property realistically. What really stood out was how much he genuinely cared about finding the right home for us rather than just trying to make a sale. He was there every step of the way, from the initial search all the way through the process. We couldn’t have asked for a better realtor and would absolutely recommend Jay to anyone looking to buy a home.
5.0 (5.0 stars)
Jitin Ghai .
Completed transaction in September 18, 2026
5.0 (5.0 stars)
Darshani G. from Hamptons Bay, NY
Completed transaction in September 18, 2026
Jitin goes above and beyond to ensure the clients are fully satisfied. He has a great understanding of a variety of loan products and always picks whats best for the borrowers. He constantly communicates with them throughout the loan process and always delivers on his.estimates. Makes me look good everytime!
5.0 (5.0 stars)
Monica Calderon .
Completed transaction in September 17, 2026
He is the best agent to help us realize our dream of buying our first home—we’ve just closed the deal. His help and expertise made the process much easier for us. We are very happy with Jay. Thanks for everything.
5.0 (5.0 stars)
Luis Enrique C. from Hamptons Bay, NY
Completed transaction in September 17, 2026
He's been helping us to get my first house ,now we have 4, all the process and concerns always there to advise . I will recommend his service 100%.
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Explore your options and take advantage of your mortgage opportunities
APPLY NOWYes. Jay Ghai can help you explore low and no down payment options, including FHA, VA, USDA, and exclusive Embrace programs. You may also qualify for local or state assistance depending on your income and location.
Getting pre-approved is simple. You can apply online, schedule a call, or meet with Jay Ghai at our Melville branch. We’ll review your income, credit, and homebuying goals, then issue a personalized pre-approval letter. Many buyers choose Embrace’s exclusive Approved to Move program, which goes beyond standard pre-approval by fully underwriting your loan upfront.
Embrace Home Loans is a trusted mortgage lender serving Melville and nearby communities. Our local loan officers offer personalized guidance, competitive rates, and exclusive loan programs designed to support homebuyers from pre-approval through closing. Whether you're a first-time buyer or refinancing, Jay Ghai is here to help you reach your goals.
Choosing a mortgage depends on your credit score, income, property type, and long-term goals. Jay Ghai will help you compare fixed vs. adjustable rates, down payment requirements, and loan terms and guide you toward the best fit for your situation, whether you're buying your first home or your fifth.
The best mortgage depends on your credit, income, and long-term financial plans. Government-backed loans often offer flexible guidelines, while conventional loans may offer lower rates and reduced fees. Jay Ghai will walk you through your options and help you find the right fit.
4.99 (15 Reviews)
