Contributed by R&J Capital Group LLC, If you are shopping for a home in New York City, you have probably stared at a listing priced around $400,000 and asked yourself a very simple question. Can I actually afford this? The answer depends less on the sticker price and more on what a lender sees when
How to Calculate a $400,000 Home Mortgage in NYC Read More »
Contributed by R&J Capital Group LLC, The spring housing market is picking up steam, and for buyers watching from the sidelines, the math is starting to shift. FHA loans have quietly become one of the most practical paths to homeownership in 2026, particularly for first-time buyers and anyone who doesn’t have a pile of cash
Why FHA Remains the Smart Play for First-Time Buyers in 2026 Read More »
Contributed by R&J Capital Group LLC, As a mortgage professional who works with real estate investors daily, I can tell you that the single biggest frustration I hear is some version of the same story. “I own three cash-flowing rentals, my tenants pay on time every month, and I just got denied for a mortgage
DSCR Cash Flow Loans For Investments: Property Income Vs Personal Income Read More »
It can feel shocking to find extra fees and bills hidden in your monthly mortgage payment. Many people face these surprises, and it’s more common than you think. The average homeowner spends over $9,000 each year on costs besides their loan. In this post, you’ll find tips and easy steps to track every cost—not just
Hidden Costs: Understanding Homeowner Fees In Addition To Your Mortgage Read More »
Buying property in Manhattan can feel overwhelming, with so many mortgage and loan choices out there. Many people face tough financing rules each year, which makes things even harder. If you’re looking for help, this guide is for you. It will walk you through your options and explain each step to get real estate financing
Navigating Lending In NYC’s Manhattan Real Estate Market Read More »
Worried about how Trump’s tariffs could affect your mortgage or finding a home in New York? You’re not alone. Many people ask the same questions. Tariffs are taxes on imported goods, and they can raise prices for many things—even homes. I took some time to look into this issue myself. It turns out these trade
How Trumps Tariffs Will Effect Mortgage & Housing Market In NY Read More »
Getting a mortgage for investment properties can feel tough. Many people share that same stress and confusion. DSCR loans got popular with real estate investors right before the COVID-19 pandemic. I spent some time learning how these special loans work. Now, I focus on rental income instead of just my own paycheck. This approach makes property
DSCR Loans For Investors | Everything You Need To Know | Mortgage 101 Read More »
Many home buyers wonder why sellers sometimes do not accept FHA loan offers. This question came up for me, too, when I started looking for a house and learned that almost one in five home loans use FHA financing today. In this post, I’ll share the main reasons sellers may turn down these loans, along
Many people worry their credit score is too low for an FHA loan. It can feel stressful to wonder if your score is high enough. But you can get approved with a score as low as 500. In this post, I will explain what credit score you need for different down payment options and how
FHA Loan Eligibility: How Good Does My Credit Need To Be Read More »
Looking for the right mortgage in New York can be confusing. There are so many loan choices out there. Many people feel overwhelmed when trying to pick the best one. FHA loans, designed for those with relatively poor or no credit, often have lower interest rates than regular mortgages, which is why many first-time buyers
FHA Mortgage Interest Rates VS Regular Mortgage Rates In NY Read More »
