When you see headlines about foreclosure rates going up, it can feel overwhelming even scary. But if you’re falling behind on your mortgage payments, you’re not out of options. The most important step is acting early, and you don’t  have to face this alone. At LJ Realty Team & LJ Mortgage Team, we connect homeowners with trusted professionals who can guide you through every available path whether your goal is to avoid foreclosure  or sell before it ever hits your record .

Thinking about selling your home? In today’s market, preparation and strategy are everything. Whether you’re in Queens or Long Island, the right approach can help you attract more buyers, spark competition, and walk away with the strongest offers. Here’s a simple, effective seller game plan to get top dollar and keep more in your pocket. ✅ Price to Spark Competitive Bids Pricing low is not the goal pricing smart  is. A strategically set price dra

Receiving a foreclosure letter can feel overwhelming but you’re not powerless. With quick action, the right information, and trusted guidance, many homeowners are able to stop the process or find a better path forward. Here’s a clear, step-by-step guide to help you move confidently. ✅ 1. Don’t Ignore the Letter Foreclosure notices come with strict deadlines. Missing them can limit your options so open the letter, read it carefully, and mark the dates you must

Valley Stream is heating up! 🏡 If you’re thinking about buying or selling, here’s the latest snapshot of the local market. Market Snapshot 📍 Location:  Valley Stream, NY 📅 Date:  November 2025 📊 Market Status:  Seller’s Market Key Stats: ✅ Inventory:  3 months ✅ Median Sold Price:  $774,000 👨‍👩‍👧 Population:  40,000 💵 Median Household Income:  $127,000 🏫 Schools:  Rated A 🛡️ Overall Crime Grade:  C+ Valley Stream continues to see high buyer demand, competitive offer

When buying a home in Queens, it’s important to understand the different taxes  involved in the transaction. Knowing who pays Transfer Tax  and Mortgage Recording Tax (MRT)  can help you budget accurately and avoid surprises at closing. 💰 1. Transfer Taxes (Seller Responsibility) If you’re purchasing a home at $750,000 with 10% down , here’s what the transfer taxes look like: NYC Real Property Transfer Tax (RPTT):  1.425% NYS Transfer Tax:  0.4% Who pays?  Typically, these t

Life happens and sometimes, keeping up with mortgage payments becomes harder than expected. If you’re facing that challenge, you’re not alone. The key is understanding your options early  so you can make the best possible decision for your future. Let’s break down two of the most common (and difficult) paths homeowners may face: Short Sale vs. Foreclosure. ✅ Short Sale: More Control, Less Damage A short sale  happens when you sell your home for less tha

It’s a Balanced Market  in beautiful Howard Beach!  🏡 This coastal Queens neighborhood continues to attract homeowners seeking a blend of suburban calm and city convenience. With a solid mix of supply and demand, Howard Beach remains a steady and desirable market  for both buyers and sellers. ✅ Months of Inventory:  5 months 👨‍👩‍👧 Population:  31,000 💵 Average Household Income:  $94,000 🏫 School Rating:  B+ average 🛡️ Crime Grade:  B- 💰 Recent Sales Range:  $350K – $1

When purchasing a home with a mortgage, there’s one important cost you’ll encounter at closing that often catches buyers off guard the Mortgage Recording Fee . This fee covers the cost of officially recording your mortgage with the county , ensuring your lender’s lien on the property is properly documented in public records. It’s based on your loan amount , not  the total purchase price. 🏛️ What’s Included in Mortgage Recording Fees These are gove

It’s a Balanced Market  in Rego Park!  🏡 Located in the heart of Queens, Rego Park  continues to stand out as a vibrant, well-connected neighborhood offering a mix of affordability, convenience, and community . Whether you’re a first-time buyer or a seasoned investor, Rego Park’s stable housing market and strong local amenities make it a standout choice. 🏠 Market Snapshot: ✅ Median Sold Price:  $1,020,000 👨‍👩‍👧 Population:  63,

When you’re preparing to sell your home, it’s easy to focus on listing price, marketing, and negotiating offers. But one important...

When it comes time to sell your home, one of the most important steps is setting the right listing price . Price too high, and your home...

Thinking about buying or selling in Plainview, NY ? Here’s the latest snapshot of the local housing market—and it’s a strong seller’s...

The Nassau County real estate market continues to shine—especially in the luxury price range of $1.2M – $1.4M . Buyers are still actively...

The East Meadow real estate market  is showing no signs of slowing down and it’s still a seller’s market!  Whether you’re thinking of...