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 make sure you feel confident, informed, and excited every step of the way. Here’s your ultimate First-Time Homebuyer To-Do List  to help turn your dream into a front door with your name on it! ✅ 1. Check Your Credit Score Think of it as your financial selfie  — it shows lenders a snapshot of your financial health

We’re excited to congratulate our buyers on their brand-new home in Farmingdale, NY! 🏡 This beautiful property features 4 bedrooms, 2 bathrooms, and 1,283 sq. ft. of living space —a perfect fit for their growing family. 📊 The Numbers Behind the Purchase Purchase Price:  $609,000 Down Payment (20%):  $121,800 Household Income:  $123,000 Monthly Debts:  $694 Property Taxes:  $9,944/year Home Insurance:  $2,020/year Monthly Payment (with escrow):  $4,197.56 Clo

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

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,...

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