How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not have to document your income, savings history, or source of down payment? How would you like a mortgage payment of only 1.95%? You can have all that with...

Title Insurance: As a homebuyer, the term is probably familiar - but is it understood? What is your dollar actually paying for when you purchase a title policy? Title Insurers, unlike property or casualty insurance companies, operate under the theory of risk elimination. Title companies spend a high percentage of their operating income each year collecting, storing, maintaining and analyzing official...

Estate planners often recommend Living Trusts as a viable option when contemplating the manner in which to hold title to real property. When a property is held in a Living Trust, title companies have particular requirements to facilitate the transaction. While not comprehensive, answers to many commonly asked questions are below. If you have questions that are not answered below, your title company...

FSBO (pronounced fizz-bo), or For Sale By Owner, is a way of selling your home without the use of a professional real estate agent or broker. The idea behind FSBO is that by selling your home yourself, you save the approximate 6% that would be the agents’ commission. 6% may not sound like a lot, but it can add up, especially on more expensive homes. But before you run off and decide to sell your home...

If you live in a newer suburban community or planned unit development, you're probably a member of a homeowners association. More than 74.1 million Americans live in homeowners associations, condominium communities, cooperatives, and other planned communities, according to Community Associations Institute. It’s also a good bet that you hadn't given your HOA much thought until you had a problem. Since...

Finding an apartment in New York City can be both exciting and overwhelming. With thousands of listings and highly competitive markets, it’s easy to feel lost. The key is preparation and strategy. Start by identifying your priorities: budget, location, size, and amenities. Use tools like curated listings and virtual tours to narrow down your search. Next, research neighborhoods carefully. Consider...

Choosing the right neighborhood is just as critical as finding the right apartment. Each New York City neighborhood has its own character, lifestyle, and amenities. For some, proximity to work is essential, while for others, schools, parks, or nightlife may take priority. To make the best choice, research is key. Visit neighborhoods at different times of the day, talk to locals, and consider factors like...

Submitting a rental application in New York City can feel daunting, but preparation makes it much easier. Start by gathering essential documents: proof of income, identification, credit history, and rental references. Having these ready shows landlords that you are serious and organized. Communication is equally important. Respond promptly to inquiries and provide clear, accurate information. Mistakes or...

Searching for rentals in New York City can be time-consuming if approached without strategy. The key is to focus on quality over quantity. Identify must-have features, prioritize locations, and filter out options that do not meet your core criteria. Technology can also help. Use curated listings, virtual tours, and personalized alerts to stay updated on suitable properties without wasting time on...

Even experienced renters can make mistakes in NYC’s competitive rental market. Common errors include overlooking hidden fees, not fully understanding lease terms, and rushing through the application process. Another frequent issue is choosing a home without considering the neighborhood’s lifestyle and amenities. What looks perfect on paper may not fit daily routines or long-term plans. EYHomesNY helps...