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Fed Meeting Ends With Rates Unchanged

The FOMC meeting concluded today with a statement that there would be no change to short term interest rates, citing mounting inflation concerns, despite a slowing economy. This was widely anticipated by the markets and as a result there will be no change today’s mortgage rates. Fed Meeting Ends With Rates Unchanged

Mortgage Rates Tick Up On July Employment Data

Mortgage rates will increase slightly today by about .125 to the points on mixed economic reports. The Labor Department reproted that in July the unemployment rate was not as high as had been expected. This is good news for mortgage rates. However, at the same time the number of job losses was lower than had been [...]

Mortgage Rates Up On Strong Reports

Bonds reversed course today, sinking as three pieces of economic data came in suggesting the economy is in better shape than thought. First, Durable Goods Orders for June came in much stronger than had been expected, suggesting that the manufacturing sector is recovering. Secondly, University of Michigan’s Index of Consumer Sentiment for June came in [...]

CEMA - Consolidation, Extension and Modification Agreement, How to Save on New York Mortgage Tax

For refinances, and in some circumstances purchases, it is possible to avoid paying mortgage tax by modifying a mortgage note to become an extension of the original note for which mortgage tax was previously paid. When a CEMA is completed, the customer pays the mortgae tax for difference between the exisiting mortgage and the new mortgage and not the tax on the entire amount of the new loan.

Some banks will honor this and some wont. This process must begin immediately at the beginning of the loan process, as it can take a long time, depending on the speed at which your attorney/title company and original lender are able to cooperate. Some title companies and most residential real estate attorneys specialize in this and you must request this when you order your title.

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Loan Type :	Property Type :	Property Use :

Offering Mortgage Service all throughout Our State Including !

Albany	Brooklyn	Queens	Bronx	Lake Placid
Manhattan	New York City	Rochester	Albion	Buffalo
Elmira	Hudson	Nassau County	Mayville	Niagara Falls
Rockport	Canton	Auburn	New City	Ithaca
Melville	Middletown	Norwich	Schenectady	Batavia
Catskill	Fort Edwards	Jamestown	Long Beach	Mineola
Westchester	Syracuse	Belmont	Cortland	Hauppauge
Johnstown	Long Island	Mount Vernon	Plattsburgh	Utica
Binghamton	Delhi	Hempstead	Lake George	Malone
Newburgh	Poughkeepsie	Warsaw	Waterloo	Watertown
White Plains	Yonkers

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Our attempt is to provide our clients with up-to-date information on all current mortgage rates. The rates illustrated above are based on current market conditions for today, and are subject to change without notice.