THE LOAN HOME TEAM
POWERED BY SCOTT CAPITAL GROUP
Nassau and Suffolk home prices, updated monthly, and plain-English articles I write for homebuyers, homeowners and real estate investors.
I walk through a Long Island refinance step by step: what slows it down, the “skipped” payment, your escrow refund and what to know when closing lands near a tax bill.
Read the ArticlePut a lump sum toward your loan, keep your rate and lower your payment. What it costs, how it compares with a refinance, and a calculator.
Read ArticleHow co-op loans and board approval work in Nassau and Suffolk, what the lender checks in the building, co-op vs. condo, FHA and VA, and a board ratio checker.
Read ArticleWhen Nassau and Suffolk have had the most homes for sale, the most price cuts and the fastest sales, from nine years of Realtor.com data, and how to time your search.
Read ArticleNassau and Suffolk single-family medians, month by month, per OneKey MLS, and what they mean for the size of the loan you’ll need.
See the DataAugust numbers are in. Prices rose again, sales held steady and buyers finally got a little more to choose from.
Read ArticlePrivate down payment assistance programs available through lenders I work with — not state or county programs — may help cover part of your down payment or closing costs. How they work, common eligibility rules and how to get started.
Read ArticleInflation reports, Fed meetings and the bond market can shift rates from week to week. How to compare offers and protect your budget when rates fluctuate.
Read ArticleFrom two-family rentals to mixed-use buildings and flips, how financing differs for each type of investment property.
Read ArticleThe loans that fit, what closing really costs here, property taxes and STAR, a 90-day plan and the paperwork that keeps your approval on track.
Read ArticleShifts, overtime, a 10-month salary or a 1099: how a lender counts the way you actually get paid.
How a lender counts three 12s, overtime, per-diem and travel pay, and when you can buy on a new-grad offer letter.
Read ArticleHow a 10-month salary counts, why you usually don’t need tenure, and how to buy before your first paycheck.
Read ArticleHow lenders count hiring-hall W-2s, seasonal unemployment, overtime, step raises and annuity funds.
Read ArticleHow lenders count academy pay, overtime and shift differential, and when a 457 loan can help with the down payment.
Read ArticleHow your income counts after write-offs, and the bank statement and 1099 loans I offer through lenders I work with.
Read ArticlePlain-English guides to each loan program and to buying in Nassau and Suffolk counties.
This page is not from HUD or FHA and was not approved by HUD or any government agency.
Tell me your town, price range and timeline, and I’ll tell you which programs fit and what to do next.
I work with buyers across Nassau and Suffolk. The loan itself comes from a lender, not from me.
Pre-approval takes only a soft credit check, so it won’t affect your credit score.
631-250-6930 · Kevin@scottcapitalgroup.comConsent to messages is not a condition of any purchase or loan. See the Privacy Policy and Terms of Service.