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Mortgages Troubleshooting and educating our partners and clients is our MANTRA and keys to our long succe$$. All aspects of Mortgage Lending. Contact us for Information.

10/01/2026

I pay my rent on time every month. Why does my credit score matter more.

Fair question. Here is the answer nobody gives you straight.

Rent payments are not reported to the credit bureaus unless your landlord reports them, and most landlords do not. So your perfect rent record is invisible to the lender. The score is the only record the lender can see.

The good news is the score is fixable. Most credit problems are paperwork problems, not character problems. Old collections, wrong balances, cards too close to the limit. Clean those up and the score moves.

Do not let a number you can fix keep you from the house you can afford.

Text 718-869-4795 and I will look at yours.

Everyone asks me: should I get a HELOC or just refinance? Here is the honest answer. If your current mortgage is one you...
09/29/2026

Everyone asks me: should I get a HELOC or just refinance? Here is the honest answer. If your current mortgage is one you never want to give up, a HELOC lets you tap your equity without touching it. If your rate is already high, a refinance might do both jobs at once. The wrong move is guessing. The right move is running your actual numbers. Text 718-869-4795.

Want to build instead of buy? You don't need two loans and two closings. One application. One closing. One loan. That's ...
09/29/2026

Want to build instead of buy? You don't need two loans and two closings. One application. One closing. One loan. That's the All In One construction loan. Text 718-869-4795 and I'll walk you through it.

09/28/2026

Every week somebody asks me: what does it actually cost to close on a house in New York?
Here is the honest answer. Closing costs usually land between 2 and 5 percent of the loan amount. That covers your lender fees, title insurance, recording fees, escrow setup, and prepaid taxes and insurance. It is not one fee. It is a stack of them.
The mistake is finding out about the stack three days before closing. Know your number early so you are not scrambling.
Want a real breakdown on your deal? Private review, no pressure. Call or text 718-869-4795.

09/28/2026

Staten Island buyers: this market moves fast and over-asking is normal. The buyers who win are the ones whose financing is already buttoned up before they walk in. Get pre-approved for real: 718-869-4795

09/25/2026

I'm your total homebuyer resource.


718-869-4795
SalCriscuolo.com

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900 South Avenue
New York, NY
10314

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