What Makes Peak Home Loans Different From Other New York Mortgage Companies? 1.) We are a Direct Mortgage Brokerage, meaning there are NO middlemen between our customers and the best terms, lowest rates and the fastest approvals in the industry. 2.) We are driven by the most powerful, efficient, 100% transparent, streamlined home lending network in the U.S. The entire process can take place in the comfort of your home. 3.) We perfected our state-of-the-art mortgage services platform by streamlining our client's approval process which means less paperwork and conditions. This guarantees everyone the best rate, great terms and the lowest down payment required regardless of credit history.