Sean Ford Home Loans

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Garden City, NY
Sean Ford Home Loans

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Contour Mortgage Corporation NMLS #34384
990 Stewart Avenue Suite 660
Garden City, NY 11530
NMLS # 1748593
This is not a commitment to lend.

Rates and terms subject to change without notice
Equal Housing Lender

10/07/2026

Getting pre-approved is only part of the equation. Structuring the financing correctly can completely change the position you're in as a buyer.

I recently spoke with a homeowner who wanted to buy her next home before selling her current one. The issue? Her offers were contingent on the sale of her existing home — making them less attractive to some sellers.

Instead of accepting that as the only option, we looked at the equity she already had and discussed a strategy that could potentially allow her to remove the home-sale contingency and, depending on the numbers, purchase the next property with cash.

Good mortgage planning isn't just about getting an approval. It's about understanding the entire situation and finding the right way to structure the transaction.

10/04/2026

Buying with a mortgage and worried about competing with cash offers? 🏠💰

A traditional pre-approval isn’t always the furthest you can go before making an offer.

With a TBD Commitment, your loan file can be fully underwritten before you’ve found the property, subject to a fully executed purchase contract and any remaining applicable conditions.

Why does that matter?

When you’re ready to make an offer, having already gone through underwriting can give a seller more confidence in your financing and help you present a stronger offer—especially in a competitive situation.

And here’s the part many buyers don’t know: not every lender offers this option.

If you’re planning to buy and want to find out whether a TBD Commitment could be a better solution for you:
DM me “TBD” 📲

09/25/2026

🏠 **Mortgage insurance isn’t always forever.**

One of the most overlooked parts of owning a home is knowing when mortgage insurance may be eligible for removal.

With a conventional loan, you can generally request PMI cancellation when your loan is scheduled to reach 80% of the home’s original value, subject to certain requirements. PMI generally terminates automatically when the loan is scheduled to reach 78% of the original value if applicable requirements are met.

But here’s the part many homeowners don’t know:

📈 An increase in your home’s value may also matter

Depending on your loan and your mortgage servicer’s guidelines, you may have an opportunity to remove PMI based on your home’s current value. A new appraisal or other valuation may be required.

And if you have an FHA loan, the rules are different. Mortgage insurance may remain for 11 years or for the life of the loan, depending on factors such as when the loan was originated and its original loan-to-value ratio.

The takeaway: Don’t automatically assume mortgage insurance is permanent—or that reaching 20% equity automatically makes it disappear.

Know your loan type and check with your mortgage servicer to understand the rules that apply to your mortgage.

09/17/2026

$100,000 in down payment assistance! 🏠

I just helped a homebuyer close using NYC’s HomeFirst Down Payment Assistance Program.

Think you need a huge down payment to buy a home? You may have options you don’t know about.

📩 DM me “100K” and let’s see what programs you may qualify for.

Eligibility requirements apply. Program availability and funding are subject to change.

08/28/2026

🍂 Fall is right around the corner! Take a little time now to declutter, organize, and refresh your space before busy autumn routines begin.

08/25/2026

Putting more money down doesn’t always mean a lower monthly payment.

A recent buyer planned to put 20% down on a $650,000 home.

But after comparing the numbers, we found that using less money for the down payment and some of those funds to buy down the interest rate resulted in a lower monthly payment.

Originally, they were going to put down $130,000 and have a payment of $3,416.

INSTEAD, they put down $65,000 and used $15,000 to buy down the interest rate which gave them a monthly payment of $3,386 AND they kept $50,000 in the bank.

The takeaway: Don’t automatically assume the biggest down payment is the best strategy.

Before you decide how much to put down, compare your options. The right mortgage structure can make a BIG difference.

Follow for more knowledge the traditional banks don’t want you to know

Every borrower and loan scenario is different. Rates, costs and eligibility vary.

08/25/2026

Buying your first home? Making an offer is about more than just choosing a price.

Understanding your budget, the competition, your financing and the terms of your offer can help you make a more informed decision—and avoid surprises later.

Save these 5 tips for when you find the right home.

Have questions about the mortgage side of making an offer? I’m always happy to be a resource.

08/22/2026

Want to be settled into a new home before the holidays? The journey starts now. August is the perfect time to get prepared, get pre-approved, and start planning.

08/19/2026

Summer fun doesn't have to derail your homeownership goals. Small financial decisions today can make a big difference tomorrow. 🏡

08/16/2026

🍂🏡 Back-to-school season has a way of highlighting what your family needs most from a home. Whether you're navigating crowded mornings, searching for more space, or creating room for work and homework, it may be time to ask: Is your home still working for you? Let's explore your options and find a place that fits your next chapter.

Address

990 Stewart Avenue, Suite 660
Garden City, NY
11530

Website

http://mypage.contourmortgage.com/sean-ford

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