| 30 Yr Fix |
| 4.250% |
| 3.5 Points |
| 4.60% APR |
| Fixed Conventional Mortgage |
| 60 Day Rate Lock |
| No prepayment penalty |
| 1 family homes |
| Conforming Loans from |
| 1 Family $300,000 - $417,000 |
| 15 Yr Fix |
| 3.750% |
| 3 Points |
| 4.27% APR |
| Fixed Conventional Mortgage |
| 60 Day Rate Lock |
| No prepayment penalty |
| 1 family homes |
| Conforming Loans from |
| 1 Family $300,000 - $417,000 |
| 5/1 ARM |
| 3.625% |
| 2 Points |
| 3.25% APR |
| 60 Day Rate Lock |
| Caps: 2% per adjustment & 6% lifetime |
| Index: 1 year T-Bill |
| Margin: 2.5% |
| One year 1% prepayment penalty |
| Loans from $275,000 to $1500000 |
| 1 family homes and condos |
| 7/1 ARM |
| 3.750% |
| 3.375 Points |
| 3.87% APR |
| 60 Day Rate Lock |
| Caps: 2% per adjustment & 6% lifetime |
| Index: 1 year LIBOR |
| Margin: 2.5% |
| No prepayment penalty |
| Loans from $275,000 to $3000000 |
| 1 family homes and condos |
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Buying a Condo: Now vs. Later (New York Times - January 28, 2010)
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Reaching Out to Condo Buyers (New York Times - November 22, 2009)
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New York Appraisals Get Shortchanged (New York Times - September 27, 2009)
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Contract Signings Rise, and Deal-Watchers Exhale (New York Times - August 30, 2009)
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Low Appraisals Sabotage More Deals (The Real Deal - July 31, 2009)
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The Top Originator: Melissa Cohn (Mortgage Originator - April 2009)
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'Cashing Out' Is Now Harder (New York Times - March 29, 2009)
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Making Your Way Through The Mortgage Market (CNBC.com - March 23, 2009)
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Need a House Fast? Skip the Pre-Approval (Main Street - March 3, 2009)
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For Home Buyers, More Bank Roadblocks (New York Times - February 1, 2009)
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Mortgages Less Easy To Come By For The Self-Employed (NY1 - December 16, 2008)
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Interview with Melissa Cohn (Marquis Who's Who in America - December 2008)
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Bailout Efforts Now Focus On Main Street, Not Banks (CNBC.com - December 4, 2008)
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Mortgage Refinance Applications Soar As Rates Fall (Dow Jones Newswires - December 3, 2008)
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U.S. Consumer Loan Aid Will Trickle Only So Far (New York Times - November 27, 2008)
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Bear market squeezes mortgages (The Real Deal - November 3, 2008)
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Foreign apartment buyers grow scarce (The Real Deal - October 28, 2008)
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Lenders tighten up standards for co-op loans (The Real deal - October 3, 2008)
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The Default Phenomenon Comes to N.Y. (The New York Sun- September 25, 2008)
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For Buyers, Many Roadblocks (The New York Times - September 21, 2008)
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Mortgages: Considering the Seven-Year Plan (The New York Times - September 21, 2008)
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Jump in Mortgage Rates Disappoints Home Buyers (Wall St. Journal - September 18, 2008)
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Amid mortgage woes, first-time buyers seek solutions (The Real Deal - September 1, 2008)
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It's a Wonderful Life (In Jersey) (Newsweek - August 2, 2008)
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What You Need to Know to Get a Mortgage (The New York Times - June 1, 2008)
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The 100 Most Powerful People in New York Real Estate (The New York Observer - May 19, 2008)
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Need $23 Million Fast? (The New York Observer - April 28, 2008)
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Jitters for First-Time Homebuyers (The New York Times - February 17, 2008)
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Waiting to see if ARMs fallout reaches Manhattan (The Real Deal - February 2008)
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What's Next for New York City Real Estate? (The New York Times - January 13, 2008)
REGISTERED MORTGAGE BROKER - NYS BANKING DEPARTMENT/ALL LOANS ARRANGED THROUGH 3RD PARTY LENDERS • LICENSED MORTGAGE LENDER/BROKER - CT DEPARTMENT OF BANKING • LICENSED MORTGAGE LENDER - NJ DEPARTMENT OF BANKING AND INSURANCE/ALL LOANS ARRANGED THROUGH 3RD PARTY PROVIDERS • LICENSED MORTGAGE BROKER MB 2274 - MA DEPARTMENT OF BANKING/WE ARRANGE BUT DO NOT MAKE LOANS • LICENSED MORTGAGE BROKER - VT DEPARTMENT OF BANKING • CORRESPONDENT MORTGAGE LENDER - FL DEPARTMENT OF FINANCIAL SERVICES • LICENSED MORTGAGE BROKER AS TMMC MORTGAGES UNDER CA FINANCE LENDERS LAW • LICENSED MORTGAGE BROKER AS TMMC MORTGAGES - NH BANKING DEPARTMENT • LICENSED MORTGAGE BROKER - NC COMMISSIONER OF BANKS • RESIDENTIAL MORTGAGE LICENSEE - IL DEPARTMENT OF FINANCIAL AND PROFESSIONAL REGULATION DIVISION OF BANKING