James Whitall

NMLS #23065

direct line: 917-969-7312 direct fax: 631-514-3536 address: The Manhattan Mortgage Company 101 Jobs Lane Southampton, NY 11968

President's Club 2009

"Although it’s always good to be on the correct side of the intelligence "bell curve", what is going to get you the best program at the best rate in the market place is being represented by your best advocate. That is what I do. In addition to a keen sense of fiduciary responsibility and ethical standards, it is the ability to understand why you are doing what you are doing that separates the service I provide. Combine this with access to the most competitive mortgage product available nationwide and your solution is not far away.

This is also about risk management, yours and the lenders’. You need to have someone on your side who understands the fine print of the lenders’ language to protect your interests as well as take advantage of opportunities that present themselves. These are documents created to satisfy your needs. And I do it for purchases, refi’s, construction and loans too large to mention but not too large to secure – across the country."

Jamie Whitall, a representative for the mortgage industry on the East End and the Tri-state area for 14 years, received his undergraduate degree at Trinity College in Fine Arts/ Architecture in 1973 and an MBA in Finance from the Stern Business School (NYU) in 1983. Jamie’s experience on Wall Street and in the communications and real estate fields enables him to address his clients’ diverse financing needs.

Having introduced the single closing construction loan to the East End in 1995, Jamie has also helped banks develop products particularly suited to the New York City, tri-state and East End markets. He was instrumental in developing the 30 year mortgage that combines all the tax advantages of a closed end mortgage with the flexibility of a credit line for up to $8,000,000.

Jamie has earned a reputation for providing thoughtful, creative and cost-effective financing to his clients, many of whom have complex financial profiles. "I am an advocate for my clients…not simply another vendor with whom they have to negotiate", explains Jamie. "I am an updated version of a ‘private banker’ but with the product diversity of an entire industry, not simply one institution."

Jamie is referred not simply because he gets the right price but because he gives the right advice.

When applying online, select "James Whitall" as loan officer on first page of application.

• It's High Time to Refi (NY Daily News - August 30, 2010)

• Changes in federal rules could worsen summer's slump (Crain's New York - August 22, 2010)

• Manhattan Luxury Condos Embrace FHA in 'Game Changer' (Bloomberg.com - August 13, 2010)

• Putting Out Jumbo Welcome Mat (The Wall Street Journal - July 26, 2010)

• Homeowners Should Run The Numbers Before They Refinance (NY1 - July 8, 2010)

• Markets and myths: talking shop with Gary Malin and Melissa Cohn (The Apple, Peeled - May 28, 2010)

• Extremely Low Mortgage Rates Point to Perfectly Sunny Summer (Housing Watch - May 25, 2010)

• Four Ways to Start Fixing Fannie and Freddie (CNBC.com - May 13, 2010)

• Jumbo Loans Easier to Find (Wall St. Journal - April 30, 2010)

• Older Condos Better Than New? (The New York Times - April 29, 2010)

• West Harlem, Garment District are the next hot spots, brokers say (Real Deal Online - April 12, 2010)

• Where to Live in 2014 (New York Magazine - April 11, 2010)

• Melissa Cohn, President and CEO, The Manhatan Mortgage Co. (Scotsman Guide - April, 2010)

• Rising Rates, The End Of Fed Mortgage Buying, And Fannie Mae's Stinginess Stoke Fears Of A NYC Real Estate Double Dip (Business Insider - March 31, 2010)

• The Going Gets Tougher (The New York Times - March 11, 2010)

• Buying a Condo: Now vs. Later (The New York Times - January 28, 2010)

• Reaching Out to Condo Buyers (The New York Times - November 22, 2009)

• Breaking the bank (The New York Post - November 12, 2009)

• New York Appraisals Get Shortchanged (The New York Times - September 27, 2009)

• Top Women (Real Estate Bisnow - September 16, 2009)

• City Seeks to Turn Stalled Projects Into Moderate-Income Housing (The New York Times - September 2, 2009)

• Contract Signings Rise, and Deal-Watchers Exhale (The New York Times - August 30, 2009)

• Mortgages Made Easy (Brokers Weekly - August 19, 2009)

• Low Appraisals Sabotage More Deals (The Real Deal - July 31, 2009)

• Lock Steps (The New York Post - June 25, 2009)

• The Top Originator: Melissa Cohn (Mortgage Originator - April 2009)

• 'Cashing Out' Is Now Harder (The New York Times - March 29, 2009)

• Making Your Way Through The Mortgage Market (CNBC.com - March 23, 2009)

• Housing Market Needs More Help (CNBC.com - March 5, 2009)

• Need a House Fast? Skip the Pre-Approval (Main Street - March 3, 2009)

• For Home Buyers, More Bank Roadblocks (The New York Times - February 1, 2009)

• Mortgage Applications Surge (CNNMoney - January 14, 2009)

• Run For The Money (The New York Post - January 1, 2009)

• Mortgages Less Easy To Come By For The Self-Employed (NY1 - December 16, 2008)

• Interview with Melissa Cohn (Marquis Who's Who in America - December 2008)

• Bright Spots (The New York Post - December 4, 2008)

• Bailout Efforts Now Focus On Main Street, Not Banks (CNBC.com - December 4, 2008)

• Mortgage Refinance Applications Soar As Rates Fall (Dow Jones Newswires - December 3, 2008)

• U.S. Consumer Loan Aid Will Trickle Only So Far (The New York Times - November 27, 2008)

• Can This Market Be Saved? (New York Magazine - November 23, 2008)

• Lending Recovers (Overseas Living - January 2009)

• Whittle Down Your Mortgage (New York Magazine - November 2, 2008)

• Bear market squeezes mortgages (The Real Deal - November 3, 2008)

• Foreign apartment buyers grow scarce (The Real Deal - October 28, 2008)

• Lenders tighten up standards for co-op loans (The Real deal - October 3, 2008)

• The Default Phenomenon Comes to N.Y. (The New York Sun- September 25, 2008)

• For Buyers, Many Roadblocks (The New York Times - September 21, 2008)

• Mortgages: Considering the Seven-Year Plan (The New York Times - September 21, 2008)

• Jump in Mortgage Rates Disappoints Home Buyers (The Wall St. Journal - September 18, 2008)

• Amid mortgage woes, first-time buyers seek solutions (The Real Deal - September 1, 2008)

• It's a Wonderful Life (In Jersey) (Newsweek Magazine - August 2, 2008)

• Rich, but Rejected (The New York Times - July 13, 2008)

• What You Need to Know to Get a Mortgage (The New York Times - June 1, 2008)

• The 100 Most Powerful People in New York Real Estate (The New York Observer - May 19, 2008)

• Need $23 Million Fast? (The New York Observer - April 28, 2008)

• Tiptoeing Through a Minefield (CNBC.com - March 6, 2008)

• SHOPPING SPREE: It's not every building that will give its buyers a free winter wardrobe (The New York Post - February 28, 2008)

• Jitters for First-Time Homebuyers (The New York Times - February 17, 2008)

• Waiting to see if ARMs fallout reaches Manhattan (The Real Deal - February 2008)

• Rates luring homeowners to refinance, but for better deals, not to tap equity (The Daily News - February 4, 2008)

• What's Next for New York City Real Estate? (The New York Times - January 13, 2008)