THE APPLE, PEELED

MOST RECENT ARTICLES 

Here’s $10 Million. How Would You Spend it?

Here’s $10 Million. How Would You Spend it?

You are given $10 Million along with a very specific set of instructions. You must invest every penny in Manhattan real estate. You could spend all of it on 1 property or you can divide the money amongst as many different properties as you want. You may purchase any...

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Espinal Adler Unveils Secret Weapon

Espinal Adler Unveils Secret Weapon

I high-fived Tony Robbins during the day and that night I was standing 6 or 7 feet away from a bloated, middle-aged Axl Rose who still knew how to put on an amazing show while performing with a quasi-version of Guns n’ Roses in Las Vegas. It was June 2014. I was at...

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AT THE CORE

INPUT OUTPUT SLEEP

INPUT OUTPUT SLEEP

The human mind has three modes. INPUT, OUTPUT, and SLEEP. Those are the options. Who the hell knows what’s going on in your mind when you’re asleep, so for now, we won’t tackle that topic. Let’s just assume that you’re in SLEEP mode for 30 percent of your life. The...

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The Espinal Adler Team Expands Beyond NYC

The Espinal Adler Team Expands Beyond NYC

We love New York City so much that it’s hard to wrap our brains around the idea of so many people leaving it behind.  At first we didn’t want to believe it. But the numbers do tell a story. A recent study by Realtor.com concluded that home searches in suburban...

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Inside and Out

Inside and Out

Amid the chaos, some people are choosing to leave New York City while others will stay to take advantage of opportunity arising from significant downward market. The Espinal Adler Team is structured to help you in either scenario.

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What’s in the Secret Sauce?

What’s in the Secret Sauce?

If The Espinal Adler team’s last Zoom meeting was secretly recorded, what juicy info would the video reveal? Nothing scandalous enough to make this newsletter go viral unfortunately. Nobody found any secret documents, and nobody on the team got caught streaking. It’s...

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ASK THE EXPERTS

A Debate About Whether the Stars Are Perfectly Aligned

A Debate About Whether the Stars Are Perfectly Aligned

In the last two editions of The Apple Peeled, we said the conditions for investing in newly developed New York City real estate are P-E-R-F-E-C-T.   Prices are down. Rates are down. Developers are offering massive concessions. We said all of the stars were aligned....

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Investment Property FAQs: What You Need to Know

Investment Property FAQs: What You Need to Know

Wise investment options exist in every real estate market, but what are they exactly? ESPINAL ADLER Team partners Marie Espinal and Jeff Adler identify and answer all the questions that matter when purchasing an investment property, but more specifically in New York...

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Deep Undercover, Spying on the Mortgage Process

Deep Undercover, Spying on the Mortgage Process

The Apple Peeled Question: What on earth is happening behind the scenes after you’ve completed your mortgage application and you’ve sent in all of your supporting documentation? Why does it so often take 45-60 days to get through the mortgage process? Jablonski: It’s...

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MORTGAGE MINUTE

WITH MATT JABLONSKI

Locking Into the Best Rates Ever is Complicated

Locking Into the Best Rates Ever is Complicated

Let’s set the scene: You call a loan officer about a refinance; you got their name from a friend.  The loan officer quotes a rate. It’s 2.75% for a 30-year fixed. You almost can’t believe your ears.  Your inner Jack Nicholson speaks to you. “You want that...

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Coining a Phrase: Socialized Mortgage Finance

Coining a Phrase: Socialized Mortgage Finance

Socialized Mortgage Finance is a phrase that is becoming more prolific in the secret underbelly of the mortgage industry where a thousand private conversations dictate the direction of the masses. In the wake ofCovid-19, as we slowly come out of isolation and into a...

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MOLINGO

MOLINGO

Two days before I started my mortgage career, as a “get to know ya” exercise, my new boss invited me to play golf with him and two other loan officers.  I was really excited to start a new career, mostly because my earning potential seemed unlimited, especially...

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Mission Impossible?

Mission Impossible?

 “We’re walking around landmines that have nothing to do with mortgages.”  That’s what one loan officer told me about a week after the Coronavirus completely upended industry, and in effect, every other industry too.    Consider the...

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Who is to Blame When a Mortgage Application is Declined?

Who is to Blame When a Mortgage Application is Declined?

The vast majority of mortgage applications get approved, especially when they’re taken by an experienced loan officer who conducts a thorough review of the loan package before it’s submitted. In this month’s Mortgage Minute we uncovered some of the reasons...

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