If you're planning to buy a home or refinance in 2026 , there’s good news— higher conforming loan limits  are giving buyers more room to breathe and more control over their financing options. That means more purchasing power , improved access to competitive interest rates, and flexibility when choosing the right loan for your goals. At LJ Mortgage Team Inc. , we’re here to make the entire process simple, transparent, and stress-free. Whether you’re stepping into your first ho

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

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 Inc., we love helping clients find financing solutions that fit their unique situations and this closing was a perfect example. 📍 Location:  Nassau County, NY 💰 Purchase Price:  $735,000 💵 Down Payment:  25% 📊 Closing Costs:  $36,000 📈 Credit Score:  820 📂 Loan Type:  Bank Statement Loan Our self-employed client needed flexibility and speed   without the hassle of providing tax returns or traditional income documentation. With a Bank Statement Loan

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

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