LJ Mortgage Team Inc.

LJ Mortgage Team Inc. Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from LJ Mortgage Team Inc., Mortgage brokers, South Ozone Park, NY.

Guiding You Home 🔑
Trusted Guidance for Life’s Biggest Purchase
Home & Commercial Loans
Purchase • Refinance
Licensed in 8 States
NY • NJ • CT • MI • IN • VA • GA • FL
NMLS #2120286 | NYS DFS Registered

05/27/2026

📊 Mortgage & Housing Market Update – May 27, 2026

Mortgage rates improved slightly this week after recent volatility, but affordability remains a major challenge for many buyers as inflation stays elevated and markets watch the upcoming Federal Reserve meeting in June.

🏦 Current Mortgage Rates
• 30-Year Fixed: ~6.61%
• 15-Year Fixed: ~6.14%
• FHA: ~6.14%
• VA: ~6.16%
• Jumbo: ~6.75%
• ARM (7/6): ~6.27%

📉 Freddie Mac Weekly Survey
• 30-Year Fixed Average: 6.51%
• 15-Year Fixed Average: 5.85%

🔥 Economic Update
• Inflation: 3.8%
• Core Inflation: 2.8%
• Unemployment: 4.3%

📅 Markets are closely watching the June 15–16 Federal Reserve meeting for possible future rate cut signals.

🏠 Housing Market Update
📈 Inventory continues improving nationwide, giving buyers slightly more options and reducing some bidding war pressure.

💰 Example Payment
Estimated principal & interest on a $400K loan at 6.65%:
≈ $2,568/month

🏡 Buyers remain active because:
✔ More inventory
✔ More negotiable sellers
✔ Ability to refinance later
✔ Long-term wealth building through homeownership

📌 Thursday’s PCE Inflation Report will also be closely watched since it’s one of the Fed’s preferred inflation gauges.



LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
(516) 218-1297
LJ Realty Team
Buy - Sell - Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS # 2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-Party Providers.
We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID # 2120286 www.nmlsconsumeraccess.org
Terms and Conditions apply.

🏡 DEAL CLOSED IN JAMAICA, QUEENS! 🔑🎉Congratulations to our amazing clients on the successful closing of this beautiful h...
05/21/2026

🏡 DEAL CLOSED IN JAMAICA, QUEENS! 🔑🎉

Congratulations to our amazing clients on the successful closing of this beautiful home in Jamaica, New York! Another smooth transaction completed by the LJ Mortgage Team & Realty Team. 🙌

Whether you’re buying your first home, refinancing, or investing, having the right team makes all the difference.

✅ Purchase & Refinance
✅ Licensed in 8 States
✅ Residential & Investment Loans
✅ FHA • Conventional • Non-QM • DSCR
Thinking about buying or refinancing? Let’s build a strategy that works for you. 📲

LJRealtyTeam FirstTimeHomeBuyer MortgageBroker RealEstate QueensHomes Homeownership Refinance InvestmentProperty NYRealEstate

LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
(516) 218-1297
LJ Realty Team
Buy - Sell - Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS 2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-Party Providers.
We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID 2120286 www.nmlsconsumeraccess.org. Terms and Conditions apply.

🏡🔑 DEAL CLOSED in Elmont, NY! 🔑🏡Another successful closing and another dream turned into reality 🎉At LJ Mortgage Team, w...
05/21/2026

🏡🔑 DEAL CLOSED in Elmont, NY! 🔑🏡

Another successful closing and another dream turned into reality 🎉
At LJ Mortgage Team, we’re dedicated to helping our clients navigate the home buying journey with confidence, clarity, and expert support every step of the way 💼🔥
From pre-approval to closing day, our mission is to deliver results and make the process as smooth as possible.
Congratulations to our happy homeowners on this exciting achievement 🙌

📲 Ready to buy, refinance, or invest? Let our experienced team help you reach your real estate goals!



—

LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
📞 (516) 218-1297
LJ Realty Team
Buy • Sell • Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS #2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-party providers.

We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID 2120286 • www.nmlsconsumeraccess.org

05/18/2026

🔥 Mortgage & Housing Market Update – May 18, 2026 🔥

Mortgage rates moved slightly higher this week as inflation concerns and Federal Reserve uncertainty continue to pressure the bond market. Even with rates elevated, housing inventory is improving and buyers are gaining more negotiating power in many areas.

According to MortgageNewsDaily.com (daily) and Freddie Mac (weekly):

📊 Current Mortgage Rates
• 30-Year Fixed: ~6.65%
• 15-Year Fixed: ~6.10%
• FHA: ~6.17%
• VA: ~6.19%
• Jumbo: ~6.69%
• ARM (7/6): ~6.49%
👉 Rates increased from last week after stronger inflation readings and continued uncertainty around future Federal Reserve policy.

🏦 Freddie Mac Weekly Mortgage Survey

Freddie Mac reported:

• 30-Year Fixed Mortgage Average: 6.36%
• 15-Year Fixed Mortgage Average: 5.71%
Mortgage rates edged slightly lower in Freddie Mac’s weekly survey, while daily market pricing later moved higher due to inflation data and bond market reactions.

📈 Inflation & Labor Market Update

Latest economic data shows:

• Inflation Rate: 3.8% ⬆️
• Unemployment Rate: 4.3%
• Core Inflation: 2.8%
👉 Inflation came in hotter than expected, mainly driven by rising energy and fuel prices.

This keeps pressure on the Federal Reserve to remain cautious about cutting rates too quickly.

🏛 Federal Reserve News

The Senate confirmed Kevin Warsh as the next Federal Reserve Chair. Markets are closely watching how future Fed leadership may impact interest rates, inflation policy, and mortgage pricing moving forward.

👉 Any signals about future rate cuts could heavily influence mortgage markets in the second half of 2026.

🏠 Housing & Wealth Trends

A new National Association of Realtors forecast shows homeowner wealth continuing to rise dramatically compared to renters.

📊 Estimated Median Net Worth:

• Renters (2026 Forecast): ~$12,000
• Homeowners (2026 Forecast): ~$446,000
👉 Long-term homeownership continues to be one of the strongest wealth-building tools for families.

💡 Example Payment Scenario

Estimated principal & interest payment on a $500,000 loan:

• Approx. Rate: 6.65%
• Estimated Payment: ~$3,210/month
• Total Interest Over 30 Years: ~$655,537
👉 Even small changes in rates can significantly affect monthly affordability and long-term interest costs.

🏠 Loan Program Highlights – LJ Mortgage Team Inc.

✔ FHA – 3.5% down, 580 credit score
✔ VA Loans – 0% down for eligible veterans
✔ Conventional – 5%+ down, 620 score
✔ Investment Property Loans – 20–25% down
✔ Non-QM Programs (Bank Statement / DSCR / 1099)
✔ Commercial Financing Available
👉 Every buyer’s situation is different — choosing the right strategy matters more than timing headlines perfectly.

📩 Thinking about buying, refinancing, or investing?
Message “HOME” for a free affordability review and personalized mortgage options.


LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
(516) 218-1297
LJ Realty Team
Buy - Sell - Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS # 2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-Party Providers.
We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID # 2120286 www.nmlsconsumeraccess.org
Terms and Conditions apply.

🏡🔑 DEAL CLOSED in West Hempstead, NY! 🔑🏡Another successful closing and another happy homeowner 🎉From contract to closing...
05/18/2026

🏡🔑 DEAL CLOSED in West Hempstead, NY! 🔑🏡

Another successful closing and another happy homeowner 🎉
From contract to closing, our team worked hard to make the process smooth, stress-free, and successful 💼🔥
Helping families achieve their homeownership goals is what we do best — and this is just another example of teamwork making dreams happen!
Whether you’re buying, selling, or refinancing, having the right professionals by your side makes all the difference 🙌

📲 Ready to make your next move? Let’s get you to the closing table next!



LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
📞 (516) 218-1297
LJ Realty Team
Buy • Sell • Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS 2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-party providers.

We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID 2120286 • www.nmlsconsumeraccess.org

🏡🔑 DEAL CLOSED in South Ozone Park, NY! 🔑🏡Another successful closing in the books and another family closer to achieving...
05/18/2026

🏡🔑 DEAL CLOSED in South Ozone Park, NY! 🔑🏡

Another successful closing in the books and another family closer to achieving their homeownership dreams 🎉
At LJ Mortgage Team, we pride ourselves on delivering a seamless experience with expert guidance every step of the way 💼🔥
From pre-approval to closing day, our team is committed to making the process smooth, fast, and stress-free.
Congratulations to our clients on this exciting milestone 🙌

📲 Looking to purchase, refinance, or invest in real estate? Let’s turn your goals into reality!



—

LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
📞 (516) 218-1297
LJ Realty Team
Buy • Sell • Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS 2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-party providers.

We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID 2120286 • www.nmlsconsumeraccess.org

🏡🔑 DEAL CLOSED in East Hartford, CT! 🔑🏡Another successful closing and another family one step closer to their dream home...
05/18/2026

🏡🔑 DEAL CLOSED in East Hartford, CT! 🔑🏡

Another successful closing and another family one step closer to their dream home 🎉
Our team is proud to deliver smooth closings, trusted guidance, and winning results every step of the way 💼🔥
From application to approval, we work hard to make the home financing process simple and stress-free.
Real estate success starts with the right team — and we’re honored to help our clients achieve their goals every day 🙌

📲 Looking to buy, refinance, or invest? Let’s make your next move a success!


—

LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
📞 (516) 218-1297
LJ Realty Team
Buy • Sell • Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS 2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-party providers.

We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID 2120286 • www.nmlsconsumeraccess.org

🎉 DEAL CLOSED in South Ozone Park, NY! 🏡🔑Another successful mortgage closing by the LJ Mortgage Team Inc.! Congratulatio...
05/18/2026

🎉 DEAL CLOSED in South Ozone Park, NY! 🏡🔑

Another successful mortgage closing by the LJ Mortgage Team Inc.! Congratulations to our clients on securing financing and taking the next step toward homeownership. 👏

Whether you’re purchasing your first home, upgrading, investing, or refinancing, our experienced mortgage professionals are here to guide you through every step of the process with trusted service and competitive loan solutions.

✅ Purchase & Refinance
✅ Licensed in 8 States
✅ Fast & Reliable Mortgage Assistance
Special thanks to Lucky Singh and Jaswinder Singh for helping make this closing a success! 💼✨

📍 127-03 Rockaway Blvd, South Ozone Park, NY 11420
📞 (516) 218-1297
Homeownership MortgageBroker FirstTimeHomeBuyer Refinance RealEstate NewYorkRealEstate HomeLoan ClosedDeal DreamHome NYMortgage MortgageExperts HomeBuyers RealEstateJourney PurchaseLoan RefinanceLoan LJRealtyTeam EqualHousingOpportunity

LJ Mortgage Team Inc. NMLS 2120286
NYS Registered Mortgage Broker, NY Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers. Terms and conditions apply.

05/11/2026

Same house. Same price. But your monthly payment can change by over $800/month 😳

Your down payment isn’t just about what you bring to closing—it directly impacts your monthly budget, PMI, and long-term cost.

In this example on a $600K home:
💸 5% down = ~$4,521/month
💸 20% down = ~$3,705/month
That’s a difference of $816/month 🤯

Thinking about buying but not sure how much to put down? Let’s break it down together and find what works best for you.

LongIslandHomes DownPayment MortgageEducation LJMortgageTeam HomeLoans NYRealEstate RealEstateInvesting HouseHunting MortgageBroker FinanceTips

LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
(516) 218-1297
LJ Realty Team
Buy - Sell - Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS 2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-Party Providers.
We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID 2120286 www.nmlsconsumeraccess.org. Terms and Conditions apply.

🏡🔑 DEAL CLOSED in Elmont, NY! 🔑🏡Another home, another successful closing 🎉Big congratulations to our clients and team fo...
04/30/2026

🏡🔑 DEAL CLOSED in Elmont, NY! 🔑🏡

Another home, another successful closing 🎉
Big congratulations to our clients and team for making it happen smoothly from start to finish 💼🔥
Whether you’re buying, selling, or refinancing — having the right team makes all the difference.

📲 Ready to make your move? Let’s get you to the closing table next!

RealEstateSuccess LJMortgageTeam

—

LJ
Your Local Guide to Homeownership!
127-03 Rockaway Blvd
South Ozone Park, NY 11420
(516) 218-1297
LJ Realty Team
Buy - Sell - Rent
Equal Housing Opportunity
LJ Mortgage Team Inc. NMLS 2120286
Purchase & Refinance
NYS Registered Mortgage Broker, NYS Dept. of Financial Services.
Broker arranges mortgage loans with third-party providers.
MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed By The N.J. Department Of Banking And Insurance, Is A Mortgage Broker And Arranges Loans With Third-party providers.
We Do Not Make Any Mortgage Loan Commitments Or Fund Any Mortgage Loans.
NMLS ID 2120286 www.nmlsconsumeraccess.org

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South Ozone Park, NY
11420

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