How Lender Conditions Lists Work in NYC Mortgage Underwriting
Every buyer gets excited about preapproval then underwriting sends a list of conditions. Conditions are not problems. They’re steps the lender requires before issuing Clear…
Author: Joseph Ranola
Understanding Appraisal Waivers in NYC Real Estate
Appraisal waivers have become more common as automated underwriting systems evolve. But most buyers misunderstand what a waiver actually means. It does not mean the…
Early Signs of Electrical Problems in Staten Island and Brooklyn Homes
Electrical problems rarely start with sparks or burning smells. They start quietly, with small warning signs that most homeowners ignore. In older Staten Island and…
ADU Rules for Semi-Attached Homes Under NYC’s City of Yes
Semi-attached homes are extremely common across Staten Island and Brooklyn. Under the City of Yes ADU proposal, these homes can often qualify for attached or…
Early Signs of Foundation Settlement in Staten Island and Brooklyn Homes
Foundation settlement is one of the most misunderstood structural issues in older homes. It’s also one of the most expensive problems to ignore. Staten Island…
How to Detect Indoor Humidity Problems
Indoor humidity is one of the most overlooked causes of home damage. In Staten Island and South Brooklyn, coastal air, poorly vented bathrooms, oversized AC…
ADU Egress Requirements Under NYC’s City of Yes
Egress is one of the most important safety requirements for Accessory Dwelling Units. Under City of Yes, ADUs still must comply with New York State…
Buying With A Partner: Avoiding Financial & Emotional Pitfalls
In recent years, high housing prices have made it difficult for single home buyers to enter the real estate market. More and more people are…
How Lenders Verify Employment During a NYC Mortgage
Employment verification sounds simple, but it’s one of the biggest moving parts in mortgage underwriting. Lenders must confirm that borrowers still earn what they claimed…
Seller Advantage: Staten Island 90-Day Market Check
The 90-day read shows a steady, predictable Staten Island market. Nothing overheated, nothing collapsing, just a clear pattern: if you price correctly, you get the…