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Erwin Giron - NMLS #1722719 - Loan Officer

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United States
Melville, NY
Erwin Giron - NMLS #1722719 - Loan Officer

Personal NMLS1722719
Company NMLS # 292473

01/13/2026

🏡 Thinking About Buying a Home in 2026? Start Here! 💰

Preparing for homeownership isn’t just about scrolling listings — it’s about getting your finances in shape before you make your move. 📊 Here’s your financial must-do list:

✨ Financial prep tips before house hunting:
• Take a hard look at your savings — both down payment and emergency cash reserves.
• Know what you can realistically afford — include closing costs, taxes, insurance & maintenance.
• Check your credit and debt situation — cleaner credit and lower debt = more buying power.
• Consider a talk with a tax pro to understand deductions, SALT caps, and implications of buying.
• Team up with an agent who will respect your budget and guide you through the market.

📉 The good news: the monthly payment for the typical U.S. home is expected to be more affordable in 2026 — below 30% of median income for the first time in years.

💡 Bottom line: Preparation + planning = confidence when it’s time to make an offer. Ready to start the journey? Let’s talk about your strategy! 🗝️

08/05/2025

This my 60 second lowdown on the new tax bill and the impact on the real estate market specially the NY market. • • • • • • • • • • • • • • • • • • • • •

07/31/2025

🚨 Stop scrolling. Start house hunting! 🏃‍♂️
But first—let’s make sure you’re pre-approved and ready to go.

Whether you’re buying your first home or upgrading, I’ll help you understand what you can afford and how to finance it the smart way.

Shoot me a DM or text to get started today! 🏡💬

07/25/2025

Helping first-time buyers never gets old 🙌

Huge thank you to Yohali and her family for trusting me to guide them through the homebuying journey. I know how overwhelming the process can feel, especially the first time around — but I’m always here to answer the questions.

Grateful to be part of such a big milestone for your family. Congrats on your new home in Rocky Point! 🏡✨

07/23/2025

At every step of the mortgage process, we must think about the experience we are providing to our borrowers and partners.
That's why we are dedicated to a superior borrower experience prioritizing clear, honest, and timely communication.
DM me today to see how our 5-star experience can provide the optimal home ownership journey!

07/16/2025

📅 As of July 1, 2025, a new version of the Property Condition Disclosure Statement (PCDS) is required in New York. Make sure you're using the updated form—learn more in this week’s legal tip at lirealtor.com/legaltips. 📝🏠

07/14/2025

3 Creative Ways to Cover Your Down Payment (Including One Most People Don’t Know About)

Ever wish you could just be your own bank and lend yourself the money for a down payment on a house? Believe it or not, there are a few smart ways to do just that.

Here are two solid options you may not have considered—and a third one that most people have never even heard of:

1. Tap into your life insurance policy
If you’ve got a policy with cash value, you can borrow against it and use those funds toward your down payment, closing costs, or even reserves. It’s your money—might as well put it to work.

2. Use your 401(k)
I know, I know… “But that’s for retirement!”
Hear me out: This isn’t about cashing it all out and gambling with your future. We’re talking about a loan—one that’s tax-free—and any interest you pay actually goes back into your 401(k), not to a bank. You’re borrowing from yourself, and paying yourself back. That’s a win.

3. This one’s a little-known gem
Most people don’t realize there’s a loan program that lets you use gifts—from friends, family, even wedding guests—for your down payment. So instead of getting five blenders and six picture frames at your wedding, you could use those gifts to help buy your first home. Now that’s what I call smart investing!

📩 DM me if you want to explore any of these options—I’ll walk you through it!

07/08/2025

🔑 Mortgage terms you actually want to know

Buying a home is exciting—but all the mortgage lingo? Not so much. Let’s break down 5 terms every future homeowner should feel confident about:

📊 DTI (Debt-to-Income Ratio)
How much of your income goes toward debt payments. The lower, the better when applying for a mortgage!

🏷️ LTV (Loan-to-Value Ratio)
This shows how much of your home is being financed. A lower LTV can mean better loan terms.

📈 Equity
The part of your home you actually own. It’s your home’s current value minus what you owe on the mortgage.

🔒 Fixed-Rate Mortgage
Your rate stays the same for the life of the loan. No surprises. Just stability.

📚 Knowledge is power—especially when you’re making one of life’s biggest purchases.

Got questions? I’ve got answers. 📩 Let’s chat about how to get mortgage-ready.

07/07/2025

Yes, You Can Still Buy a Home on Long Island 🏡💪

We get it—home prices in Long Island have come a long way, and even solid incomes can feel stretched. But the dream of owning a home here? Still very possible.
✅ Teachers, nurses, contractors, and first-time buyers are finding creative ways to make it work.
✅ Programs, grants, and smarter mortgage strategies are helping bridge the gap.
✅ It’s not just about what you earn—it’s about how you plan.
Homeownership might look a little different than it did a few years ago, but that doesn’t mean it’s out of reach.
Let’s talk options, build a strategy, and figure out the best path for you. Your Long Island home might be closer than you think.

07/02/2025

💸 Think everyone’s buying homes with all cash? Not quite.

Despite the buzz, 74% of primary residence buyers actually finance their homes—and for first-time buyers, that number jumps to 91%! 🏡

And here’s the kicker: most first-time buyers put down just 6% to 9%, not the 20% that many think is required.

The truth? Homeownership is more accessible than people realize. You just need the right guidance.

📲 Curious what’s possible for you or your clients? Let’s connect.

👉 Read more here: https://lnkd.in/diSq__Ss

07/01/2025

📉 Home Sales Are Slowing—Even in New York

Nationwide, new home sales just saw the biggest drop in nearly a year—down 13.7% in May.
And while New York isn’t crashing, it’s cooling quietly.

🧊 Pending sales across the state dipped slightly
📈 NYC prices are still rising—but buyers are hesitant
🏠 Inventory is up, but homes are sitting longer

👉 This isn’t a demand issue—it’s a confidence issue.
Buyers are asking:
“Can I afford this?”
“Should I wait for rates to drop?”
“Is now the right time?”

The market isn’t frozen—it’s just cautious.
Now more than ever, it’s about guiding buyers through the math and the mindset.

What are you seeing in your area? Are buyers showing up but stuck on the sidelines?

06/29/2025

🏡💰 The Power of ONE Home Sale in New York! 💰🏡

Did you know that a single home sale in NY adds $152,300 to the state’s economy? 🤯

Here’s how that breaks down:
🔹 $43,208 – income to real estate pros (agents, movers, etc.)
🔹 $5,620 – spent on furniture & remodeling
🔹 $23,438 – economic ripple effect from spending
🔹 $80,016 – goes into building new homes 🏗️

When someone buys a home, it’s not just life-changing for them — it boosts jobs, businesses, and neighborhoods across the board. 🙌

📈 In 2024, real estate made up $371.5 billion or 16.9% of New York’s entire economy!

Buying or selling a home? You’re not just making a move — you’re making an impact.

Address

445 Broad Hollow Road
Melville, NY
11747

Opening Hours

Monday	8am - 6pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

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