How quickly can a purchase actually close here?+
A well-documented conventional purchase can reach clear-to-close in roughly three weeks, and thirty days is a realistic contract-to-close target when everyone cooperates. The variables are appraisal scheduling, title work and how fast the borrower returns documents. Files that drag are almost always waiting on paperwork, not on underwriting decisions.
I am self-employed and my tax returns show low income. What are my options?+
Conventional underwriting uses net income after write-offs, which understates what many business owners actually earn. Bank statement programs qualify on twelve or twenty-four months of business deposits instead, and other non-QM options use profit and loss statements or assets. Rates run somewhat higher than conventional, but the approval amount is usually far more realistic.
Should I buy a house or a co-op in Kew Gardens Hills?+
It depends on your cash and your timeline. A co-op in the high two hundreds to low three hundreds has a far lower entry price, but maintenance counts fully against your income and the board controls approval. A house costs more up front, sits in the lower Class 1 tax bracket and gives you full control. The pre-approval math is different for each, so both get run.
Why does the tax figure on the listing differ from what my lender used?+
Listings often show what the current owner pays, which may reflect a STAR or veterans exemption that does not transfer, or an assessment held down by Class 1 caps over many years of ownership. Underwriting qualifies you on a forward-looking figure, which can be higher than what the seller shows.
What credit score do I need?+
Conventional financing generally starts around 620, FHA can go lower with compensating factors, and better pricing arrives as the score rises. If your score is close to a threshold, there are usually specific, fast steps that move it - Brian will tell you what they are rather than just declining the file.
How fast can I get pre-approved?+
Often the same day or the next. You can start your pre-approval online anytime, or book a quick call with Brian.
Are you actually available on nights and weekends?+
It's the single most common thing clients mention. Offers in Queens don't wait for business hours, so Brian doesn't either - call or text and you'll hear back quickly, even after hours.
