New York Transit Workers Mortgage lending discounts

04/24/2026

Fun Fact Friday!

The median home price in the United States in 1994 was $130,000. Today it is over $400,000. That is not inflation. That is structural scarcity. We stopped building enough homes in this country around 2008 and never caught back up. The shortage is now estimated at 4 to 7 million units depending on who is counting. Prices do not fix themselves when the supply problem is that deep.

04/23/2026

Your 401K matters.

Your IRA matters.

Your savings matter.

But none of them let you live inside them while they grow.

That is why real estate is different.

It is not just an investment.

It is shelter, equity, leverage, and time all working together.

Tonight I’m going live on why that matters more than people realize.

TEXT ME 718 869 4795

04/20/2026

Most people aren’t stuck because they can’t buy.

They’re stuck because nobody ever showed them the numbers.

04/10/2026

You show up every day. Rain. Snow. Holidays. You keep this city moving.
And you're still paying someone else's mortgage every month.
Transit workers have some of the most stable income in the country. Union job. Guaranteed pension. Steady paycheck.
That's exactly what a lender wants to see.
You're not a risky borrower. You're a dream borrower. You just haven't been told that.
While you're driving the bus, running the train, keeping the system alive - your landlord is building wealth off your paycheck.
It's time to build your own.

Call now to connect with business.

03/16/2026

🏠 Attention NY Transit Workers Union Members
Did you know your union membership may qualify you for special mortgage discounts and programs not available to the general public?
As a union member you could qualify for:
✅ Reduced closing costs
✅ Special rate discounts
✅ Down payment assistance programs
✅ Fast pre-approval process
I've been working exclusively with [union] members for years and I know exactly which programs get you the best deal.
Drop "INFO" in the comments or DM me directly and I'll show you exactly what you qualify for no obligation, no pressure.
— Sal Criscuolo
28 Years in Mortgages. Still Answering the Phone.

Call now to connect with business.

12/18/2025

https://www.facebook.com/sal.criscuolo

01/06/2025

Thank you to all my realtor partners! Let's continue to work hard together and make home dreams happen. And if you're new here - let's talk!
718-869-4795
SalCriscuolo.com

12/26/2024

Another happy homeowner! We love hearing how we’ve helped our clients achieve their dreams. Ready to make your dream home a reality? Contact The Mortgage Expert today and let us make it happen for you too!
718-869-4795
SalCriscuolo.com

11/19/2024

If you buy a home with a high mortgage rate, you don't have to be stuck with it for 30 years - there is always the opportunity to refinance. Learn your options with The Mortgage Expert.718-869-4795SalCriscuolo.com

11/11/2024

Thank you Veterans!