by EspinalAdlerTeam | Nov 12, 2019 | Apple Peeled, Monthly Mortgage Buzz
I left the mortgage industry this February, after 15 long years as a loan officer. There were many reasons why I left, but I wanted to write about the one I call the “Priceline.com Effect.” I have nothing against Priceline.com. In fact, I use the app quite a bit. If I...
by EspinalAdlerTeam | Nov 12, 2019 | Apple Peeled, At The Core
There’s a wicked strain of Analysis Paralysis going around. We’re coming up on an election year. We’re in the middle of an Impeachment inquiry. The economy is all over the place. And absolutely EVERYTHING is subject to change depending on how the dust settles. When...
by EspinalAdlerTeam | Nov 12, 2019 | Apple Peeled, Ask The Experts
Shawn Henderson, a Certified Public Accountant and Senior Manager at Withum Smith and Brown in Princeton, NJ provides detailed responses to our team’s and clients’ most commonly asked tax questions. Apple Peeled Question: There was so much uncertainty after the...
by EspinalAdlerTeam | Oct 8, 2019 | Apple Peeled, Monthly Mortgage Buzz
Obstacle: You’re self-employed and your most recent year of tax returns show significantly more or significantly less income compared to the previous year. Why it’s an obstacle: When you borrow an amount that is considered a jumbo mortgage (north of $726,525 in NYC),...
by EspinalAdlerTeam | Oct 8, 2019 | Apple Peeled, Ask The Experts
Apple Peeled Question: When describing the Espinal Adler Team, we always say that Marie is quantitative, and Jeff is qualitative. I think for most people, it’s easier to identify the things that fall under the umbrella of quantitative. But, it’s almost as...
by EspinalAdlerTeam | Oct 8, 2019 | Apple Peeled, At The Core
Our team spends a lot of time talking about how our values align with one another. We believe those values can be intertwined with the way we conduct our business. Do the next right thing and Karma will look favorably upon us. Most people think karma is a faith-based...
by EspinalAdlerTeam | Sep 10, 2019 | Apple Peeled, Monthly Mortgage Buzz
Written by ESPINAL ADLER Team’s Real Estate Finance Specialist, Matthew Jablonski. About ten years ago, a very angry real estate agent with a slightly bruised ego screamed at me on the phone. I was a loan officer at the time and I had given our mutual client a...
by EspinalAdlerTeam | Sep 10, 2019 | Apple Peeled, At The Core
At some point in this edition of At the Core, there will be a small plot twist, but you’ll have to read at least half the story to find out exactly where. And at that point, even if you’re not fully invested, you’ll already be that far down the page, so you might as...
by EspinalAdlerTeam | Sep 10, 2019 | Apple Peeled, Ask The Experts
In our “Ask the Experts” section this month, The Apple Peeled asked The ESPINAL ADLER Team’s very own Marie Espinal to share her insights into modern-day, New York City real estate negotiating. The Apple Peeled Question: Of all the qualities that go into being a...
by EspinalAdlerTeam | Aug 13, 2019 | Apple Peeled, At The Core
We always hear that human beings are using less than 10% of their brain power, and if we could tap into the other 90%, the possibilities would be limitless. Look it up though and most scientists would say that assertion is a myth. When it comes to our jobs, we rarely...
