Buying a home in Brooklyn doesn’t have to feel like an impossible dream and here’s proof! This buyer just locked in an $830,000 property in Kings County  with only 5% down . Here’s how the numbers came together : Credit Score:  740 ✅ Income:  $213K (Union Worker) 💼 Loan Type:  Conforming Conventional 30-Year Fixed Interest Rate:  7.375% Monthly Payment (CD):  $6,515.42 Total Monthly Liabilities:  $662.19 Property Taxes:  $8,142.24 H

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