A clear example of what a strong, well-prepared mortgage file looks like and how it leads to a smooth, stress-free approval. 🏠 The Property & Purchase Snapshot 📍 Location: East Meadow, Nassau County 💰 Purchase Price: $815,000 🔻 Down payment: 30% ($244,500) 🏦 Loan Amount: $570,500 📄 Loan Type: Conventional Elite 30-Year Fixed This buyer came in strong with a substantial down payment, excellent credit, and clean financials giving them access to a competitive intere

Another successful closing in the Sunshine State! Our client secured a beautiful Florida property using a Non-QM loan the perfect solution for borrowers who may not fit traditional lending guidelines but are financially strong. Let’s break down this winning deal: 📊 Loan Snapshot 💰 Purchase Price: $507,000 🏦 Loan Amount: $405,600 📈 Interest Rate: 6.49% (Fixed) 💵 Principal & Interest: $2,561.00 📑 Estimated Escrow: $1,232

Helping Self-Employed Buyers Achieve Homeownership in Nassau County Today’s file review is a perfect example of how flexible lending options can open doors for business owners who don’t fit traditional mortgage guidelines. This Franklin Square home purchase showcases how a Non-QM 24-Month Bank Statement Loan can make homeownership possible without W2s or tax returns. 📍 Property & Loan Snapshot Location: Franklin Square, NY (Nassau County) Purchase Pric

Every mortgage file tells a story and this Michigan family’s approval proves that with the right structure, the right strategy, and the right team, homeownership is possible , even when the numbers look challenging at first glance. 📌 Loan Snapshot 💰 Property Value: $608,000 🔻 Down payment: 20% 📉 Monthly Liabilities: $3,065 📊 Credit Score: 650 👨‍👩‍👧 Household Income: $161,000 🏡 Property Taxes: $10,000 📈 Interest Rate: 7.37% 💵 Monthly P&

This latest LJ Mortgage Team Inc. closing highlights the power of strategic investing and smart financing! 💼 Investor Purchase: Single-family property (to be converted to 2-family) 💰 Purchase Price: $700,000 | Down payment: 30% 👥 Borrowers: 2 | Credit Score: 689 💵 Household Income: $353,949 | Business Owners 📉 Monthly Liabilities: $47K 📑 Property Taxes: $5,327 | HOI: $2,015 📈 Interest Rate: 6.75% 💳 P&I Payment: $3,178.13/month ⚠️ Prepayment Penalty (PPP):

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.

Buying a home is exciting—but figuring out the best loan option can feel overwhelming. Two of the most popular low down payment programs are the FHA Loan and the Conventional (HomeReady/Home Possible) Loan . Both are designed to help first-time homebuyers, but they have key differences. Let’s break it down. 💰 FHA Loan (3.5% Down) ✅ Credit score as low as 580 ✅ Only 3.5% down ✅ Flexible debt-to-income ratio (up to 54% ) ⚠️ Mortgage insurance require

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:

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