I pride myself in having the experience and knowledge to offer a "Concierge Mortgage Lending" experience to all of our borrowers, no matter the size of their loan. I have a long history in New York's mortgage banking industry, starting my career in mortgage banking working for a small family-owned bank that was co-founded by my father in 1980. After assisting in selling our family owned mortgage bank, I joined Caliber Home Loans as their New York State Area Manager to do what I love, which is managing and expanding a platform that will offer New Yorkers the best possible mortgage experience available.
I am truly passionate about my profession and the result is that nearly 100% of my personal business is done by referral from satisfied clients, trusted financial advisers, attorneys, and the most experienced Realtors across the state. I am recognized as one of the premier FHA, VA and Conventional mortgage professionals in New York State. I also take a very active role in Suffolk County's public arena, having campaigned for a variety of civic issues in which I believe. I ran for Suffolk County Legislature in 2003 and is committed to raising the level of services that homeowners in Suffolk County receive, and keeping more families on Long Island by making home ownership attainable for more and more first time home buyers.
Private Mortgage Insurance typically costs between 0.5% to 1% of the entire loan amount over 80% LTV on an annual basis.
Monthly Principal & Interests : $1145.80
Monthly Real Estate Taxes : $316.67
Monthly Insurance : $66.67
Monthly PMI : $0.00
Total Monthly Payments : $1529.13
Loan To Value Ratio : 80.00%
Months With PMI : 0 months