REAL ESTATE FINANCE SPECIALIST
Our proprietary Real Estate Finance Specialist is available to all our clients as a trusted consultant, completely independent from any mortgage lender or bank. He’s an advocate for you, in place specifically to ensure that you have the best possible home-buying process with the least amount of stress. He’ll also ensure that the sellers we represent accept offers from highly-qualified buyers.
How many real estate teams have their own Real Estate Finance Specialist who will:
The mortgage process is more complex than it used to be. Lenders require more documentation than ever before. The most prepared borrowers get through their mortgage process faster, with more efficiency and with fewer headaches. We can tell you exactly what documentation and information will be expected so you’re positioned to have a painless journey to the closing table. We can also proactively identify and offer viable solutions for potential red flags on a mortgage application.
The mortgage process is not rocket science, but some lenders know how to make it feel that way. This process is not top-of-mind for anyone who doesn’t work in the industry. Most people only endure it a couple of times in their life. So, if you don’t understand something, we’re here to explain or to translate.
Wouldn’t it be less stressful if you had someone on your side that could speak your loan officer’s language and could join you on a conference call to ensure that all the most important questions were asked?
Busy professionals don’t always have time to rate-shop multiple lenders. But they still want to be sure they’re getting the best rate and the best service. We’re in constant contact with the best mortgage professionals in the area. We know which lenders can move quickly and who has the lowest rate in town.
An expert realtor can help you to negotiate the best possible price when you are buying or selling property. But most of the time, you’re on your own when it comes to negotiating mortgage rates and fees.
We know what fees might be negotiable and we know when and why lenders are allowed to reduce rates and fees in today’s regulatory environment. We’ll make sure the lender you choose offers their best-case-scenario.
Do you know the difference between discount points and an origination fee? Do you know when it makes sense to “buy-down” your interest rate? Do you know how much a purchase CEMA can save you? We do. Why leave those stones unturned?
Advocate for You.
Wouldn’t you feel better if a mortgage expert worked for you to police your loan process? Our Finance Specialist knows what questions to ask,
and he’ll tell you if the numbers look right.
We ask all our clients to provide specific feedback about their loan experience, so that we can make positive or negative recommendations to our future clientele. We track all of that feedback to make sure we only recommend lenders that are consistently delivering an excellent effort throughout their loan process.
Track the Loan Process.
There are several important milestones during everyone’s loan process. Live application. Appraisal ordered. Appraisal received. Loan Approval/Commitment. Clear-to-close… Timewise, there are reasonable expectations for reaching each of those milestones. We’ll track your progress and make sure all expectations are being met.
Occasionally, a buyer will hit an unforeseen hiccup in their mortgage process. Some loan officers have seen a thing or two and some haven’t… And sometimes, there’s more than one way to skin-a-cat. The rules and guidelines that govern mortgage finance do occasionally allow for creative thinking – That’s required to overcome some roadblocks. Our team has seen a lot of things that stood in the way of the finish line. If there’s a solution, we’ll make sure it’s presented.
If your situation is unique and it requires a specialty loan program offered only by a limited number of banks, we’ll identify the lenders that offer higher debt-ratio limits, and lenders that offer a true foreign national program with competitive rates.
Offer Peace-of-Mind for Sellers Too.
When you list your property with us, the obvious goal is to find a buyer that is willing to pay your asking price. But our job is not over when there is an acceptable offer on the table. Our mission isn’t accomplished until the sale is final. We know that too many real estate transactions unravel because the buyer’s financing falls apart.
Matthew Jablonski is the Real Estate Finance Specialist for the ESPINAL ADLER Team. He spent 15 years as a mortgage loan originator, often ranking amongst the country’s top 1% in total mortgage originations. The pivotal role he played in over 2,000 real estate transactions during the course of his lending career provides clients of the Espinal Adler Team with unique insight and a perspective that most real estate agents cannot offer.
Prior to working in the mortgage industry, Matthew was a journalist for nearly eight years. He covered the space and satellite industry for Communications Daily in Washington D.C., and he was a sports reporter for Newsday in New York. He earned his journalism degree at St. John’s University in New York City. Matthew is also a veteran of the United States Air Force.
Real Estate Finance Specialist
575 Madison Ave
New York, NY 10022
Years in the Industry: 15