Reading a New York Title Report Before Closing, One Schedule at a Time
A step-by-step guide to reading a New York title report: Schedule A, the exceptions, what to ask before closing, and the deed alerts to set up after.
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How to Get Pre-Approved for a Mortgage in New York
How to get pre-approved for a mortgage in New York: the documents lenders ask for, the 45-day rate-shopping window, SONYMA help, and what 7.40% rates change.
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Winning a Bidding War on a Long Island Home Without Overpaying
Nassau County sold 51.6% of May homes above asking. How a Long Island offer works, what sellers weigh, and what overbidding costs at 7.40%.
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Check the License Before Signing: How to Vet a Long Island Real Estate Agent With State Records
A state-records checklist for vetting a Long Island real estate agent: license lookup, the DOS-1736-f and DOS-2156 forms, and where to file a complaint.
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How to Handle the Contract Deposit When You Buy a Home in New York
In a New York home purchase the deposit usually goes to the seller’s attorney after the contract is signed, held in escrow. Here is how that works, what puts it at risk, and how to protect it.
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How to Lock Your Mortgage Rate: What to Ask Before You Do
A mortgage rate lock holds your rate until closing if nothing in your application changes. Here is how it works, what can still move your rate, and the questions the CFPB suggests you ask.
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How to Find Your Suffolk County Tax Map Number (and Read It)
Your Suffolk County tax map number is a four-part code that identifies your parcel. Here is where to find it, how to read District, Section, Block and Lot, and why deeds, surveys and records requests ask for it.
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How to Make an Offer on a House in New York: What Binds You and When
An accepted offer in New York binds no one yet. Follow the steps from offer letter to signed contract, with the deposit, disclosure form and rate math.
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How to Get a Copy of Your Deed From the Suffolk County Clerk
A step-by-step guide to ordering a plain or certified copy of a recorded deed from the Suffolk County Clerk by mail or in person, with the fees and details the Clerk publishes.
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How to Read Your New York Property Tax Bill, Line by Line
A plain walk through a New York property tax bill: tax map number, assessed and full value, exemptions, rates, due dates, and who to call about errors.
