Steven Yap | UNFCU

Originally from Malaysia, Steven Yap moved to the United States in 1988 and built a successful career in sales across multiple industries. For over 20 years, he served as Sales Manager at DCH Freehold, where he developed a strong reputation for leadership, customer service, and helping clients achieve their goals. In 2014, Steven transitioned into the mortgage industry, combining his extensive sales experience with a passion for helping people achieve homeownership.

Over the years, he has assisted countless buyers in purchasing luxury condominiums and residential properties throughout Northern New Jersey. Steven’s diverse professional background allows him to provide personalized guidance and exceptional service throughout the mortgage process. He takes pride in building lasting relationships with his clients and ensuring they receive clear communication, expert advice, and a smooth lending experience from application to closing. As a multilingual mortgage professional, he is fluent in English, Cantonese, Mandarin, and Malay, enabling him to serve a wide range of clients and communities.

NMLS Registry Number: 1301900

Connect with me directly:

Cell: +1 917-626-8128
syap@unfcu.com

Business Hours:

09:00–18:00 (New York time), Monday–Friday

Branch address:

United Nations Federal Credit Union
Court Square Place, 24-01 44th Road
Long Island City, NY 10011, USA

All UNFCU mortgage representatives are permitted to lend in all 50 states.

Click below to submit your application directly to me. I will be in contact with you within 24–48 hours to review your application and discuss any special circumstances you may have.

Start your application

Today’s featured rates

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APR = Annual Percentage Rate. Rates listed are based on a 45-day lock for purchase. The rates assume a loan amount of $640,000, a credit score of 740 or higher, a 20% down payment, and a debt-to-income ratio less than 40%. Rates and fees may vary and are based on factors including, but not limited to, market change, credit history, down payment, property type & other factors associated with your loan application. Private Mortgage Insurance (PMI) is required if your mortgage amount is more than 80% of the value or purchase price of your home. Loan approval subject to qualification. Membership eligibility required. NMLS #456916.

Interest rates and annual percentage rates (APRs) displayed here are based on loans secured by property in the state of New York. Actual interest rates and APRs available to you may vary based on the state where your property is located and other factors, and may be higher than those displayed here. Rates, closing costs, and points may vary by property location, loan type, borrower credit, income, and other characteristics. All financing is subject to credit approval.

Understanding adjustable rate mortgages (ARMs): With an ARM, the interest you pay will be subject to change after your initial fixed period. Each ARM is described using two numbers. The first number indicates how many years your initial rate will remain in effect. The second number indicates how often your rate will adjust. For example, a 3/6 ARM has an initial fixed period of three (3) years. After three years, the rate will adjust every six (6) months.

To protect you from wide rate fluctuations, UNFCU places caps on how much your interest rate can change, but it is possible that the interest rate, APR, and payment may increase after the initial fixed period when the rate adjusts. ARM interest rates can increase or decrease each time the rate adjusts. Any of these rate changes may significantly impact your monthly payment over the remaining term of the loan.

Rebates: A rebate is a closing cost credit provided by the lender to a borrower for selecting a specific product’s interest rate.