New York Transit Workers Mortgage lending discounts

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Sales Manager | CMG Home Loans | The Mortgage Expert | NMLS #65070 | Text or Call 718-869-4795 Discount mortgages for New York Transportation Workers

11/01/2026

Transit workers run this city at all hours, and buying a home should fit that life, not fight it. Start with a simple review of your income, debts, and timeline, keep your recent pay records together, and learn what paperwork a lender will ask for before you start touring homes. Planning early gives you clearer choices and fewer surprises. Learn more at salcriscuolo.com

10/01/2026

Transit workers, pull out your paystub and look at every line.

Night differential. Holiday pay. Overtime. Every one of those lines can count toward your mortgage income when it is documented and averaged the right way.

Most lenders look at your base pay and stop there. That leaves real money off your application, and less income means less house.

You earned every line on that stub. Make sure your lender counts all of it.

Bring me two years of paystubs and I will tell you what you actually qualify for.

Text 718-869-4795.

09/30/2026

Transit workers, let us talk about the pension nobody mentions at the union hall.

If you are close to retirement, your pension is income a lender can use to qualify you. Not a bonus. Not a maybe. Documented retirement income counts.

Most lenders only ask what you earn right now. A good one asks what your income looks like the day you retire, because that is when you will be making the payments.

You spent 25 years earning that pension. Use all of it.

Bring me your pension estimate and your paystubs. I will tell you what you actually qualify for.

Text 718-869-4795.

09/29/2026

You work for transit, your hours change every week, and a lender who has never looked at an MTA paystub will tell you your income is too unstable to count. That is wrong. Overtime, differentials, and shift work all count when they are documented and averaged correctly. The trick is a lender who knows how to read your pay history instead of panicking at it. I have done this for transit workers for years. Bring me your last two years of paystubs and I will tell you what you actually qualify for. Text 718-869-4795.

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

Transit workers: your overtime and differentials count as income when a lender knows how to document them. A lot of lenders get this wrong and it costs you buying power. I have done this for union members for years. Text 718-869-4795 if you want a straight answer on what you qualify for.

09/27/2026

Transit workers: I know how your pay works. Overtime, differentials, extra shifts. Union pay takes a lender who reads it right. I do. If you're buying or refinancing, talk to someone who documents union income right the first time. Call or text 718-869-4795.

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.

Address

1150 South Avenue
Staten Island, NY
10314

Website

http://salcriscuolo.com/

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