Stephen Cote
Loan Officer | Renovation Lending Specialist
As a 20-year veteran in home financing, Stephen is focused on customer service and strategies with each of his clients to structure a loan program that meets their family’s needs and financial goals. This begins with educating each borrower... Show More
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Stephen was so helpful throughout the entire process! I've worked with Stephen twice now and both times he has gone above and beyond to help me, answer all my questions and making getting a mortgage the easiest part about the process! Thank...
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Reply from Stephen Cote
July 25th, 2026 11:15 PM
I'm thankful for your kind words, Kelsey. It's great to hear that I've been able to assist you effectively both times you've worked with me. I'm pleased that the mortgage process felt easy for you, and I'm always here to help with any future...
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Stephen was there for us through the whole process of selling and buying a new house. Provided a lot of information and guided us in the right path. Appreciate everything he did for us.
Reply from Stephen Cote
July 25th, 2026 10:58 PM
I'm grateful for your feedback, Christian. It's nice to know that I could support you throughout the selling and buying process. I'm here if you have any more questions or need further guidance in the future.
Very informative and accommodating
Reply from Stephen Cote
July 20th, 2026 10:34 PM
Thank you for your review, Tyler. I am happy to hear that you found the information provided during your new home purchase informative and helpful so that you could make the best decision for you and your family. If you ever need further assistance,...
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Stephen was very commuinicative as well as went into extensive detail for each document needed and made sure deadlines were met. If I had any questions, he was a quick phone call away. I felt very secure and knowledgable throughout this whole...
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Reply from Stephen Cote
July 20th, 2026 10:30 PM
Thank you for your kind words, Madison. I'm pleased to know that my communication and attention to detail helped you feel secure and knowledgeable throughout the process. If you ever need further assistance, feel free to reach out anytime.
He was always happy to answer any questions we had and always responded promptly.
Reply from Stephen Cote
June 13th, 2026 08:01 PM
I'm glad I could be responsive to your questions, Bethany. Your feedback means a lot to me, and I'm here if you need anything else.
Stephen was pleasant and willing to answer questions
Reply from Stephen Cote
May 21st, 2026 01:04 PM
Thank you, Tracey, for your kind words. I'm pleased to hear that my willingness to answer your questions made a positive impact on your experience. If there's anything more I can assist you with, please feel free to reach out.
Steve Cote is an extremely knowledgeable finance professional who excels at explaining complex finance concepts and the experience to apply concepts to current market conditions.
Reply from Stephen Cote
May 19th, 2026 09:29 PM
Thank you for highlighting my ability to explain complex finance concepts clearly, James. I'm pleased to know that my experience helped in applying these concepts to the current market conditions. Your recognition of my work is greatly appreciated,...
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Steve was excelent. He provided timely information and advice, making the whole process very simple.
Reply from Stephen Cote
May 4th, 2026 11:08 PM
I'm pleased to hear that the information and advice I provided made the process straightforward for you, Kyle. Your feedback is greatly appreciated. If you have any further questions or need assistance in the future, feel free to reach out.
The pacient that Stephen has it was everything we needed. Me and my family are ofrecer grateful with this team. Thank you.
Reply from Stephen Cote
February 12th, 2026 02:46 AM
I'm glad to hear that my approach was just what you and your family needed during this process, Jose. Your kind words are very much appreciated, and supporting your needs has been important to me. Should you have any further questions or require...
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The patience, Time and Consideration. Thank you from the bottom of my heart for all of your help to get the loan and for assisting us with all of the paperwork. It has been a pleasure to work with you! You will always be my go-to! Carolina...
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Reply from Stephen Cote
February 8th, 2026 01:42 PM
It was a pleasure to assist you throughout the loan process, Carolina. I'm glad to know that the patience and time invested met your expectations and made things easier for you. Your appreciation means a lot, and I'm grateful for your trust....
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About
As a 20-year veteran in home financing, Stephen is focused on customer service and strategies with each of his clients to structure a loan program that meets their family’s needs and financial goals. This begins with educating each borrower as to the mortgage process and financing options available to them by guiding them into the proper loan product that meets their needs. He enjoys working with first time homebuyers by achieving their dreams of homeownership to create multi-generational wealth.
He is an expert in Down Payment Assistance Programs, 203K Renovation Financing, and Rural Housing Financing.
Products & Services
Mortgage Loan Officer
FHA Home Loan
VA Home Loan
Jumbo Home Loan
Down Payment Assistance
Conventional Home Loan
Home Renovation Loan
Mortgage Refinance
Specialities
Conventional Loan
VA Loan
Jumbo Loan
Fixed Rate Mortgage
Adjustable-Rate Mortgage
FHA Loan
USDA Home Loan
FHA 203k Limited Refinance
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Positions
- NewFed Mortgage - Loan OfficerFeb 4th, 2019 - Current
Addresses and Serving Areas
Primary Serving Area
Other Serving Areas
Year Started
2000
Time Zone
Eastern Standard Time (EST)
Licenses
- NMLS ID: 16178
- ME Mortgage Loan Originator License
- MA MLO16178
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Disclaimer
© NewFed Mortgage, Corp. Branch NMLS #1810902; 32 Lincoln St, Reading, MA 01867. Corporate NMLS #1881; 98 High Street, Danvers, MA 01923. MA Mortgage Broker and Lender License No. MC1881; NH Mortgage Banker License No. 9474-MB; ME Supervised Lender License No. SLM8185; RI Lender License No.20041817 LL; RI Loan Broker License No. 20041818LB. NewFed Mortgage is an Equal Housing Lender. For more licensing: nmlsconsumeraccess.org | Privacy Policy: newfed.com/privacy-policy.
Confirm licensing at nmlsconsumeraccess.org.
New Fed Mortgage is an Equal Housing Lender.
Member of the MA Mortgage Bankers Association and Better Business Bureau of Eastern MA