Site Index

• 1031 Exchange - One of the benefits of real estate investing is to ability to defer capital gains tax. This is a short explanation of the procedure that needs to be followed in order to take advantage of this benefit. 
• Awards and Certifications - Confirmation of my commitment to the industry throughout my career.
• Closing Costs - A breakdown designed to give the first time homebuyer an idea of what costs to expect in purchasing their home.
• Co-op & Condos - Discover the real differences between Co-ops and Condos. Decide which is better for you based on facts not rumors.
• Conflict of Interest - Taking the easy way out comes with its own set of risks. Be aware of them.
• Creating Wealth through Real Estate - The right way of using real estate as an investment vehicle. 
• Credit Inquiries -  What are the different types and how they impact your credit score.
• Credit Repair Companies - Know your rights before considering hiring a company that claims it can raise your credit score.
• Credit Reports - Takes the mystery out of your credit scores. Find out what truly impacts your ability to get credit.
• Credit Responsibility - 10 Lessons to live by that will guarantee you have the access to credit that you deserve.
• Credit Scoring - An in depth review of how a credit score is calculated.
• Definitions of the Various Loan Programs - Introduce yourself to the various mortgages before applying. 
• FNMA Loan Limits - The history of the conforming loan limit.
• Glossary of Terms - An extensive list of definition of terms unique to the mortgage industry.
• How Can I Help - This is what separates me from other mortgage professionals.
• How Can You Help - Things an applicant can do to assure a smooth path to closing.
• How Damaging is a Short Sale to Your Credit Score? - Gat an idea of the credit consequences of a short sale. 
• How to Improve Your Credit Score - Specific steps that can be taken to raise your credit score and keep it there.
• If it Sounds too Good to be True - A guide to assist you in choosing the right mortgage product, for the right reasons.
• Industry Commentary - Published results of interviews I've had with the new media.
• Inspection Terminology - Definition of construction terms used by engineers and architects.
• Interest Only Mortgages - The complete story on what the real costs of these mortgages are.
• Introduction to Real Estate Investing Workshop  - A simple plan for those considering investing in real estate.
• Investing 101 - The place to start, if you're considering making your first investment in real estate. 
• Mistakes - A collection of subtle mistakes that can make the mortgage process a nightmare.  
• Mortgage Basics - Understanding what a lender is looking for in approving a mortgage will make the process go much smoother.
• Mortgage Fraud - An overview of what the FBI has found and things you can do to avoid becoming a victim.
• Mortgage Rate History - An historical record of mortgage rates in New York going back to 1985.
• Opting Out Marketers - Simple things that you can do to reduce the amount of junk mail and cold calls you receive at home and increase the level of security of your personal information.
• Potential Home-Buyers Workshop - Considering becoming a homeowner? Start here.
• Presentations - Speeches I've given over the years to industry as well as community groups.
• Privacy Notice - My commitment to you as to how I treat the confidential information you supply to me. 
• Purchasing a Property - What to expect from your real estate agent.
• Red Flags - A list of conditions that will trigger an underwriter to take a closer look at an applicant's loan file.
• Refinancing - A guide to help you determine if refinancing is right for you.
• Rent or Buy - A brief list of the pros and cons of home ownership designed to aid the first time homebuyer.
• Security Freeze - The most powerful deterrent available to protect yourself from identity theft.
• Selling a Property - A place to start when considering selling your home.
• Testimonials - Unsolicited comments from my clients.
• The Basics of Sound Underwriting - This is what an underwriter needs to consider before approving a mortgage application.
• The Philosophy of Personal Finance - Some food for thought before you begin down the path to financial well being.
• Trading Up - Remember the difficulties you had buying your first house? Well, things are much more complicated the second time around. This will help simplify your move.
• VantageScore - The 3 credit agencies have created VantageScore as an alternative to FICO Scores. They have written 3 white papers explaining the meaning and the use of credit scores.