June 23, 2025

Linking Northern and Central NJ, Bronx, Manhattan, Westchester and CT

Shmuel Shayowitz

Articles by Shmuel Shayowitz

A Tale of Two Circumstances

As Charles Dickens famously wrote in his historical novel A Tale of Two Cities, “It was the best of times, it was the worst of

Commitments Made, Commitments Kept!

One of the most common confusions in the mortgage industry is the distinction between “pre-approvals” and “pre-qualifications.” I have seen some mortgage companies that emphasize

Another Fed Rate Hike. Now What?!

On Wednesday, the Federal Reserve unanimously raised rates 0.25%. By the time you are reading this, it will be old news. While the 25-basis point

Unconventional Thinking

In the aftermath of the “Great Recession,” new regulations were introduced to protect consumers and to ensure that banks fully evaluated an applicant’s “Ability to

The New Market Reality

I had a different article in mind that I was working on, but I had to postpone that because of last Friday’s shocking employment numbers.