#realestate

🏡 Should I Refi My Mortgage? Here’s What You Need to Know

If you’re wondering whether now is the right time to refinance your mortgage, you’re not alone. Many homeowners are exploring refi options to lower monthly payments, reduce interest costs, or tap into savings opportunities especially with tools like a CEMA refinance , which can significantly reduce upfront expenses for New York borrowers. ✅ When a Refinance Makes Sense If your current mortgage rate is higher , a refinance could lower both your monthly payment and

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Nov 42 min read

🏡 Real Closed File Review – Rosedale, Queens 🏡

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):

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Oct 292 min read

🏡 Real Closed File Review – Franklin Square, NY 🏡

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

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Oct 241 min read

🏡 Real Closed File Review – Bronx, New York

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

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Oct 221 min read

🏡 Real Closed File Review – Yonkers, NY ✅

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

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Oct 202 min read

✅ Real Closed File Review – Indiana 🏡

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

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Oct 172 min read