Buying a home in Queens? You’re going to hear a lot  of new terms at closing—and two of the most confusing are Title Insurance  and Homeowners Insurance . Even though both are essential parts of a smooth purchase, they protect you from totally different  risks. Here’s the breakdown every first-time buyer should know. 👇 ✅ What Is Title Insurance? Title insurance protects you from past problems  with the property’s ownership—issues that happened before  you b

Yesterday, the Federal Reserve announced a 0.25% rate cut , aiming to ease borrowing conditions and support economic growth. But if you were expecting mortgage rates to drop right along with it, you might’ve been surprised because mortgage rates actually went up. Confused? Let’s break down what’s really happening behind the headlines. 👇 💡 The Real Reason: Mortgage Rates Follow Bonds — Not the Fed Directly While the Fed’s benchmark rate affects short-term lending (l

Buying a home is exciting—but figuring out the best loan option  can feel overwhelming. Two of the most popular low down payment programs...

Buying your first home is one of the biggest milestones in life and it all starts with a clear plan. The LJ Mortgage Team is here to...

Have you ever opened your escrow statement and wondered why your monthly mortgage payment suddenly went up or even down? You’re not...

When buying a home, there are a lot of new terms and processes to understand — and one of the most important is the escrow account . An...

Another closing, another happy homeowner all thanks to the unbeatable teamwork between LJ Realty Team  and LJ Mortgage Team Inc.  When...

It’s celebration time again at LJ Realty Team! We’re proud to announce the successful closing of another home this time at 37 Lee Ave,...

Congratulations to our outstanding realtors and mortgage brokers at LJ Realty  and LJ Mortgage Team Inc.  for making this dream a...

Are you sitting on home equity but don’t want to disturb your low-interest mortgage? A Home Equity Line of Credit (HELOC)  might be your...