The Meidan Team
GORASCAL MORTGAGE
The Meidan Team pairs decades of mortgage lending with a fresh perspective from outside the industry. We give home buyers, homeowners and investors honest answers on rates, timing and structure — and get you to the closing table without surprises.
Play with the numbers to get a ballpark — then let us shop your actual scenario across dozens of lenders for a real quote. It's free, fast, and there's no credit pull to start.
Talk to DanielMove the sliders. Then let's find you a real number.
Estimate based on a 30-year fixed loan, principal & interest only. Excludes taxes, insurance and HOA. Not a loan offer or commitment to lend. Your actual rate and payment depend on your full application.
As brokers, we shop your scenario across many lenders — you get the program and pricing that actually fit, not whatever one bank happens to sell.
15, 20 and 30-year fixed options with predictable payments. The workhorse of home financing — and where sharp pricing matters most.
Down payments as low as 3–3.5% and flexible credit guidelines. We'll walk you through every step of your first purchase.
For those who served: zero down payment, no monthly mortgage insurance, and competitive rates. Thank you for your service — let us handle the rest.
Financing above conforming limits for higher-priced homes in NY, NJ, FL, CA, PA, WI and beyond — with creative structuring to keep your rate down.
Qualify on the property's rental income instead of your tax returns. Ideal for building or refinancing a rental portfolio.
Purchase a home with no money down in eligible rural and suburban areas — one of the best-kept secrets in home financing.
Roll the cost of renovations into your purchase or refinance loan — buy the fixer-upper and fund the fix in one mortgage.
Programs that help cover your upfront costs. If saving the down payment is what's holding you back, let's talk.
Lower your monthly payment, shorten your term, or drop mortgage insurance when the numbers make sense.
Tap your home's equity for renovations, debt consolidation, or your next investment.
Adjustable-rate, interest-only and reverse mortgage options. If it exists, we can price it for you.
Most of our business comes from three situations where the math takes real work.
Business owners, freelancers, and commission earners whose write-offs make their income look smaller than it is. Bank-statement and alt-doc programs qualify you on cash flow, not your bottom line.
The move we know best. Buy in Florida before your Northeast home sells, using bridge and equity strategies — and one loan officer licensed on both ends of the move.
Large loan amounts, multiple properties, and income that doesn't fit a template. As brokers we shop your file across many jumbo investors to find the structure that actually fits.
We built the Meidan Team at GoRascal to make the hunt for the right mortgage easy and personal. Between decades of mortgage lending — including VP of Mortgage Lending roles at some of the country's largest lenders — and a fresh perspective from outside the industry, we bring both deep experience and a modern, responsive approach.
What that means for you: we've seen nearly every scenario — self-employed borrowers, complex income, investment portfolios, tight timelines — and we know how to get them approved and closed.
The people you'll actually be working with — no call centers, no handoffs.
After more than a decade in software, Stav followed the same path his father did — from writing code to structuring home loans. Having just bought his own first home while starting a family, he knows firsthand how much trust goes into the person guiding one of life's biggest financial decisions. Buying, refinancing, or investing — he's glad to talk it through.
Real feedback from borrowers and realtor partners.
"As a realtor I work with dozens of lenders, but Daniel is one of the few I trust with my own personal business. Efficient, easy to reach, and honest about rates and timing."
"Daniel handled my refinance from start to finish. He was always available and made sure every question and request was answered. A great guy to work with."
"An amazing experience from intro to close. Daniel explained every option clearly and got us to the closing table right on schedule. Thoroughly recommend."
A simple process, and we're with you at every step.
A quick call or text. We'll go over your goals, budget and timeline — no jargon, no pressure.
A fast, accurate pre-approval so you can shop with confidence and make offers that win.
We shop your loan across lenders, present the best options, and lock when the timing is right.
Our team manages the file daily so your closing happens on schedule — without surprises.
Straight answers to what borrowers ask us most.
Yes. Self-employed income doesn't have to be a dealbreaker. Alongside standard loans, we offer bank-statement and other alternative-documentation programs that qualify you on real cash flow — 12 or 24 months of deposits — instead of your tax-return bottom line. The right structure is a math question, and it's one we solve every week.
A bank-statement loan qualifies you using the deposits into your business or personal accounts rather than W-2s or tax returns. It's built for self-employed borrowers, business owners, and 1099 earners whose write-offs make their taxable income look smaller than what they actually earn. You'll typically provide 12–24 months of statements and a larger down payment than a conventional loan.
This is one of our core specialties. There are several ways to buy your Florida home before your NY or NJ sale closes: a bridge loan, qualifying without counting the departing residence, or structuring the new loan around your existing equity. Because we're licensed across all of these states, we can run the numbers across your whole move rather than just one side of it.
A jumbo loan is any mortgage above the conforming loan limit the FHFA sets each year, which is higher in high-cost counties like the New York metro. Down-payment requirements vary by lender, credit profile, and property type. Because we work as brokers with access to many jumbo investors, we can compare structures side by side instead of fitting you into a single bank's box.
Between us, the Meidan Team is licensed in New York, New Jersey, Florida, California, Pennsylvania, and Wisconsin. Daniel Meidan holds NMLS #267617 and Stav Meidan holds NMLS #2128508, both working through GoRascal (NMLS #2072896).
The initial consultation and pre-approval cost you nothing. As brokers, we have access to wholesale pricing from many lenders, and we'll walk you through every cost on the official Loan Estimate before you commit to anything.
Timelines depend on the loan type and how quickly documents come together, but our team manages every file daily to keep closings on schedule. Tell us your target date and we'll tell you honestly whether it's realistic.
Whether you're buying your first home, refinancing, or growing a portfolio — reach out and we'll get back to you fast. A conversation costs nothing.