Joseph A. Latini, Mortgage Loan Professional NMLS# 403780

05/17/2026

Today we honor those who chose to serve our nation by risking their lives for our collective defense.

05/15/2026

Thank you Legislator Chad Lennon, for being such an avid supporter of the work I do with Homes for Heroes. Through both Contour Mortgage and Assumemyloan.com, we work to assist Military Veterans, Police, Firefighters, Teachers and Healthcare professionals in purchasing a home of their own. Homeownership is the foundation of personal wealth, and Legislator Lennon’s commitment to helping his fellow Military Veterans achieve that success will be a lasting legacy to those he serves.

04/17/2026

The Spring Market is in full swing!
Rates have dropped a little and new inventory is being listed every day! If you are looking for a home, make sure you have one of my pre-approvals attached to your offer in order to give yourself the best chance of success! I spend all weekend making sure that buyers who pre-approve through me get their offers accepted instead of the ones that are pre-approved through lesser known, inferior mortgage lenders. You look at more than one house, you should speak with more than one lender. Having a pre-approval letter with my signature at the bottom tells the area Realtors that you are a serious buyer, and will close should they choose to go with you. Call me today, 516-318-6500 or email me at [email protected] and get your pre-approval in time to make a WINNING offer!

03/20/2026

03/20/2026

St. Joseph - The Patron Saint of Realtors
Today is known as "The Feast of St. Joseph". It's an important day in the Catholic faith, and among other things, St. Joseph is known as The Patron Saint of Real Estate, and by extension, REALTORS.

My job, in large part, is also to act as "The Protector of Realtors". Nearly 100% of my personal business is done by referral from the most experienced Realtors across the Tri-state area. I like to think that the reason so many Realtors trust me with their buyers is that they know their transaction is safest in hands that they trust, and I take the responsibility of earning that trust very seriously.

Throughout my career, as now, I have remained committed to making home ownership attainable for as many people who want to buy a home as possible. As a trusted resource, that same commitment is made to you, as you are the backbone of Homeownership in this country. Happy St. Joseph's Day!

03/07/2026

Folks, if you have an “off market” property for sale, guess what? It’s on the market. This has been a public service announcement.

03/06/2026

INTERESTING SITUATION:
Despite the suggestion of the author, marketing this as a first time homebuyer property would be a mistake on the part of the Realtor. The issue is that this property is very likely virtually unmortgagable with both traditional conventional and FHA financing as well as through the New York State Bond program for first time homebuyers (commonly referred to as SONYMA).

The reason is functional obsolescence.
A zero bedroom property with less than 500ft.² constitutes a functional obsolescence as it isn't able to be appraised properly compared to other homes in the market. The result is that anyone purchasing this property will be forced to use either all cash or nontraditional forms of financing, such as portfolio or non-qualified mortgage loan products. Those forms of financing are not generally used by first time homebuyers as they require larger down payments and are not aggressively competitive in terms of cost or interest rates. Still, it is an interesting property, and for someone looking to scale down and be an occasional resident of NY, it may prove to be just the thing.

This 0 bedroom, 1 bath, 446-square-foot home that was built nearly a century ago has just hit the market in Selden.

02/20/2026

Own a slice of heaven….

02/12/2026

If you are thinking of buying in the spring, let me assist you with a "Tactical Credit Clean-up" now. With a month or two head start, you can be purchase-ready in no time for the Spring Market! Email [email protected] for more information, or call me at 516-318-6500