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

Another successful closing for the LJ Mortgage Team! Our client just secured their dream home in Franklin Square, NY , and we couldn’t be happier to be part of the journey. View Full Video at: https://www.instagram.com/reel/DQMhtfWji-0/?utm_source=ig_web_copy_link&igsh=MzRlODBiNWFlZA== 💰 Property Sold Price: $850,000 🛏️ 4 Bedrooms | 2 Bathrooms 📈 Interest Rate: 6.99% 💵 Closing Costs: $36,313 (~4.27% of the sale price) Here’s how the numbers break down for this beauti

Success Story Spotlight! ✨ Even with just 5% down , our client a hardworking Staff Nurse achieved her dream of becoming a homeowner in the Bronx! 🙌 Here’s how the numbers came together : 💰 Purchase Price: $757,000 🏦 Down payment: 5% 📊 Credit Score: 740 👩‍⚕️ Occupation: Staff Nurse 💵 Household Income: $141,000 📉 Monthly Liabilities: $451 📑 Property Taxes: $5,372 🏠 Homeowners Insurance (HOI): $1,936 💰 Closing Costs: $29,000 (~3.83% of purchase price) 📈 In

Another successful closing by the LJ Mortgage Team! 📍 Property Details Location: Yonkers, NY Type: 2-Family Property Bedrooms/Bathrooms: 6 Beds | 3 Baths Purchase Price: $795,000 Down payment: 20% Credit Score: 761 Interest Rate: 6.49% Monthly Payment (P&I): $4,015 Escrow: $967 Closing Costs: $39,932 (~5.02% of purchase price) 💼 Loan Program Non-QM 1099 Loan

Another successful closing for the LJ Mortgage Team — helping investors make smart moves in the real estate market! 📍 Property Location: Indiana 💰 Property Value: $280,000 🔑 Down payment (20%): $56,000 📑 Closing Costs: $13,688.58 (~4.89% of purchase price) 📈 Interest Rate: 6.375% 💵 Monthly Payment (with Escrow): $1,839.33 📊 Loan Type: DSCR – Investment Property 📉 Credit Score: 740 🏠 Property Taxes: $3,759 | HOI: $1,543

Another success story from the LJ Mortgage Team — turning homeownership dreams into reality right here in Jamaica, Queens! 🏡 Here’s how we helped this family secure their new home with confidence, even with a mid-600 credit score 👇 📍 Property Location: Jamaica, Queens, NY 🏡 Purchase Price: $775,000 💰 Down payment: 10% 👥 Two Borrowers | Credit Score: 678 📊 Household Income: $140,000 📉 Monthly Liabilities: $5,614 📑 Property Taxes: $5,757/year | Homeowne

At LJ Mortgage Team Inc. , we’re proud to help clients secure financing for homes that not only provide a place to live but also create opportunities for long-term financial growth. One of our recent closings was a 2-family home in Yonkers, NY the perfect example of how real estate can be both a home and an investment. 🏡 Property Snapshot Property Value: $650,000 Property Type: 2-Family Home Bedrooms/Bathrooms: 6 Beds | 2 Baths

At LJ Mortgage Team Inc ., we’re proud to celebrate every successful closing and this Brooklyn home purchase is a perfect example of how we help hardworking professionals achieve homeownership. ✅ The Deal at a Glance Property Value: $845,000 Down Payment: 20% Beds/Baths: 5 Beds | 3 Baths Closing Costs: $33,000 📊 Borrower Profile Credit Score: 740 Household Income: $136,000 Occupation: Registered Nurse 👩‍⚕️ Monthly Debt: Only $190 🏠 Property Expenses Annual Property

At LJ Mortgage Team, every closed loan tells a story and this one highlights the power of DSCR Loans for real estate investors. 📍 The Deal: Bellerose Investment Property Loan Type: DSCR (Debt Service Coverage Ratio) Loan Property Value: $905,000 Down Payment: $226,250 (25%) Credit Score: 724 Property Taxes: $14,795 HOI (Homeowners Insurance): $2,353 Rental Income: $5,500 Monthly Mortgage (Including Taxes & Insurance): $5,940 DSCR Ratio: 0.

Another successful closing with the LJ Mortgage Team Inc.! 🎉 This time, we’re celebrating a beautiful property in Jamaica, Queens...

At LJ Mortgage Team Inc. , we’re proud to help hardworking clients from all walks of life achieve their dream of homeownership. This recent closed file review in Indiana is a perfect example of how flexible mortgage solutions can make a big difference! 📂 Loan Snapshot Loan Program: Bank Statement Loan Purchase Price: $490,000 Down Payment: 21% Borrower: Truck Driver Credit Score: 762 Household Income: $77,000 Monthly Liability:

At LJ Mortgage Team Inc. , every file tells a story and we’re here to guide you through yours! 🏡 Today, we’re highlighting a recent closed loan file in Michigan that showcases how preparation and the right strategy can make homeownership a reality. 📋 The File Details Purchase Price: $435,000 Home Size: 4 Beds | 3 Baths | 2,410 Sq Ft Down Payment: 30% Total Closing Costs: $12,000 💳 Borrower S

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

🏡💰 Mortgage Broker vs. Bank—Why Choose LJ Mortgage? 💡 When it comes to home financing, a mortgage broker gives you more options,...