CHL is a multi-state licensed banking entity that originates mortgage loans directly to consumers. As a direct lender, we hav ... e the highest level of integrity and a genuine caring and concern for our customers. At CHL we believe “Your Future Starts With Us.” We take a personalized, comprehensive and consultative approach and carefully guide all of our customers through the home buying and refinancing process. We take many factors into consideration when suggesting the right loan. We analyze current and future monthly cash flow, as well as short- and long-term financial planning goals. Headquartered in Melville, NY, CHL has a well earned reputation for quality and integrity. CHL provides personalized loan solutions in a friendly, responsive manner and we pride ourselves on our ability to understand and fully satisfy the needs of our borrowers. We deliver the resources, flexibility and high level of service that consistently surpass the expectations of our customers. Because our loan officers, underwriters, and processors are on-site, we offer exceptionally fast and efficient turnaround. read more