At LJ Mortgage Team , we believe in complete transparency and personalized guidance so our clients can make confident homebuying decisions. Here’s a real example of how we help turn dreams into reality: 📍 Purchase Price:  $780,000 💰 Down payment:  20% 📈 Credit Score:  780 (Excellent!) 🏡 Household Income:  $128,879 💳 Monthly Debt:  $0 – strong financial position 📊 Property Taxes:  $11,564/year 🛡 Home Insurance:  $1,957/year 💵 Closing Costs:  $22,000 By reviewing every

When you're buying a home, it’s easy to feel overwhelmed by the long list of closing costs that show up before you get the keys. But did you know not all closing costs are created equal and not all of them are within your control? At LJ Mortgage Team , we believe that understanding the details upfront is the key to a smooth closing. Here's a simple breakdown of who controls what  when it comes to closing costs: ✅ Sections A & B – 100% Lender Control

Buying a home is one of the biggest financial decisions you’ll ever make—so understanding your closing costs is just as important as knowing your monthly payment. Here’s a real-world look at what $22,210 in closing costs looks like on a $697,500 property in Nassau County, with an interest rate of 6.875%  and a monthly principal & interest (P&I) of $3,665 . 📊 The Breakdown: Let’s take a look at where your money goes at the closing table