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Nassau County | Conventional 30-Year Fixed At LJ Mortgage Team Inc. , transparency matters. Every successful closing tells a story and this one is a great example of how strong financial structure, smart planning, and clear communication lead to smooth results. Below is a real closed file from New Hyde Park, NY , broken down so buyers and homeowners can see what a completed loan actually looks like at the closing table. 🏡 Property & Loan Snapshot Purchase Price:  $825,000 Do

Whether you’re a business owner ready to purchase your own building or an investor looking to add commercial property to your portfolio, commercial loans don’t have to be complicated . At LJ Mortgage Team , we help simplify the process so you can focus on growing your business and building long-term wealth. How Commercial Loans Can Help You Commercial financing can be a powerful tool when used strategically. These loans can help you: Purchase commercial properties  such as mi

Your income and down payment don’t just influence your mortgage they define  your buying power. This week’s Buying Power Breakdown shows exactly how fast things can change based on just two numbers. 🔹 Scenario 1 Income:  $120,000 Down Payment:  $60,000 Estimated Max Home Price:   ≈ $767,099 Estimated Monthly Payment:   ≈ $4,900 With a strong income and a solid down payment, buyers in this range unlock significantly higher home affordability even at identical rates, taxes, an

Are you self-employed or a 1099 earner who’s tired of hearing “you don’t qualify”  just because your tax returns don’t show your real income? You're not alone and you’re not out of options. At LJ Mortgage Team Inc. , we proudly offer flexible Non-QM (Non-Qualified Mortgage)  programs built specifically for business owners, gig workers, and independent contractors whose traditional tax documents don’t tell the full story of their financial strength. If you have strong deposits