About Us

Mortgage Tech Home Finance was established in 2006. We are licensed in New York and New Jersey.

Meet the Team!

Philip S. Benigno
Philip S. Benigno

Founder, CEO, Mortgage Loan Originator – NMLS #59421

Philip S. Benigno is founder and CEO of Mortgage Tech Home Finance.  He earned a Bachelor of Science degree in finance from St. John’s University and worked in the cash management division of Goldman Sachs after graduation.  After a few years working in Manhattan, he left to fulfill his life’s dream of being a NYC Fireman. While on the job, his passion for real estate and finance enabled him to become a successful real estate investor and Mortgage Loan Officer.  After a wonderful 20 year career in the fire department he retired and opened Mortgage Tech to fully serve his loyal following of home buyers.

Today, with over 25 years’ experience in real estate finance and title insurance, his passion for the industry and his clients continues to drive him to make the complicated mortgage process as easy as possible.

Stephen Simone
Stephen Simone

Senior Mortgage Loan Originator – NMLS #9216

Mr. Simone’s vast financial knowledge was acquired during his early career on Wall Street as an Interest Rate Arbitrage Trader at one of the largest banks in the world.

He worked side by side with some of the brightest Mortgage Backed Securities traders in the business. His intimate knowledge of mortgage products and
interest rates, coupled with his client friendly demeanor makes him a tremendous asset to the community and to the firm.

Mr. Simone was also awarded the prestigious Five Star Mortgage Professional Award. Less than 1% of all Mortgage Loan Originators achieve such honor

Frank V. Savona, Esq.
Frank V. Savona, Esq.


Admitted to practice law in the state’s New York and New Jersey, Frank Savona is also a proud member of both the New York State Bar Association and the Richmond County Bar Association. He has worked for large law firms and title companies, representing sellers, purchasers and lenders of both residential and commercial property transactions throughout NY and NJ. Frank brings his 25 years of real estate law experience to Mortgage Tech Home Finance helping clients understand the complexity of real property law when purchasing or refinancing their mortgage.

Frank V. Savona, Esq.
Robert J. Ramsey, Esq.

Real Estate Attorney

Being a recent law school graduate, Mr. Ramsey joined the team in 2016 and has brought current and practical real estate knowledge with him. He is very proficient with information technology as well as social media platforms which helps him relate and communicate with today’s tech savvy home buyers. While in law school, Robert participated in the Criminal Prosecution Clinic at the Brooklyn District Attorney’s Office and the Italian Law Student Association.

Judi Holden
Judi Holden

Senior Mortgage Processor

After high school graduation, Judi started working with money right away landing a job in the foreign exchange division of Merrill Lynch. After ten years working in Manhattan, she left to raise her family. When she reentered the work force she accepted an entry level job at a large real estate title company. Over a ten year span she worked her way up to being the supervisor of the company’s largest account. With the over a decade of experience in real estate title industry, she was offered a position in the company’s mortgage finance division and learned all the aspects of mortgage processing. Today, with close to 15 years’ experience in the industry, Judi is the senior processor at Mortgage Tech Home Finance. She enjoys working and helping borrowers get their loan “clear to close”!

Major Lending Institutions

Better Rates and Better Service

Mortgage Tech’s Better Rates and Better Service slogan has evolved over our years in business.

Mortgage Tech Home Finance employs a powerful technology platform that enables our loan officers to electronically search and compare the mortgage rates and products of dozens of lenders. Empowered with this information, you the borrower have the choice to pick what lender, rate, and program is right for you.

We know that each customer has specific needs, so here at Mortgage Tech, we strive to meet those specific needs with quality service and individual attention. We pride ourselves in giving you the mortgage information, loan options and convenient assistance you’re looking for.

Let Mortgage Tech Home Finance guide you through the home buying or refinancing process, and provide you with the best rates and service available.

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Know before you go – Free Pre-Qualification

It’s a great idea to know how much of a home you can afford before starting the quest.  Call and speak to an experienced Mortgage Loan Officer to discuss your situation, get your questions answered and find out the price range you should be looking in.

Know before you Refi – Free Pre-Qualification

Refinancing your home is usually a very big decision, and rightfully so.  We have seen many home owners refinance their current mortgage with a new mortgage that was not optimal to their situation.  Product type, loan amount and term, among other variables are crucial when refinancing.  We at Mortgage Tech will evaluate your situation in depth to answer these questions and come up with the best solution for your individual needs.  Also, for New York properties, we are mortgage consolidation experts.  We will determine the savings by doing a mortgage consolidation and discuss if it makes sense or not.  In many cases you can save thousands of dollars by consolidating, however many MLO’s will not even mention it due to the increased paperwork and complexity.

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Reliable Customer Service

The people at Mortgage Tech are real people like you.  When you call we pick up the phone and answer your questions.  No rockets and no mortgage buttons.  We know the seriousness of home financing and the magnitude of it in your life.  That’s why we treat you and your mortgage loan as our number one priority.  Speak to real people with the experience that’s needed to get the job done.

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