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Testimonials:

We, Steve H and Frank A, purchased the home we now reside in Staten Island NY, from David Lapid on July 19, 2001. From our first meeting with David be was nothing but honest, considerate and kind. At first we were a little skeptical being this was our first borne, but David made the transaction quick and painless. Our first view of the house you could tell that someone really cared about the work that had been done to the house. It was clean and neat and able for us to move in. David helped by allowing us to get into the house early to paint before we actually moved in and allowed us to view the house whenever we needed to. We love our new home and even after 5 months David still keeps in touch with us to see how we are doing. We would recommend him to anyone. We look forward to spending many happy years in our new borne. Steve H. & Frank A." (Steve H. & Frank A.)
2/15/01 When David first called many months ago, "out of the blue," I had no idea who he was and what he was about, and quit frankly, was somewhat suspicious. As time went by, I came to trust him bit by bit as his excitement and commitment persevered, and he followed through with every thing he promised. I feel as if I've gained a new and trustworthy friend. Sherrie C." (Sherrie C. )
June 2002 To whom it may concern: I, Edward C, Is (am) satisfied with what was agreed. David kept his word and that’s honest! They work fast and extend their arms and give a lending hand. I’m happy and if I’m happy then everything is going to be all right in God’s name. Edward C." (Edward C.)
June 2002 To whom it may concern: At first I didn’t believe that a house could be sold so fast, but David kept his word. He does the right thing by his customers. In fact he helps people. I’m very happy with the work they have done. Very truly yours, Willian L" (Willian L)
May 19, 2000 Dear David, We would like to take this opportunity to 'Thank you' for doing business with us. Your enthusiasm and the way things were expedited was great. It was difficult to believe that you were able and willing to meet all of our needs and do it as easily and painlessly as you did. Thank you for your cooperation and assistance. We would recommend you to anyone needing this type of service. Thank you and good luck in the future. Buddy S. Scecina S." (Scecina S.)

3. Can I Afford It? (Qualify Yourself)

Can I Afford It?

When applying for a mortgage, you need to be qualified. To see if
you are qualified, fill out our "Self Qualification for a
Mortgage" work sheet. 

In order to determine your maximum loan amount for conventional
loan types, you must determine the following: 

(A) gross monthly income
(B) total monthly debt payments
Estimates for your monthly escrow including:
    (C) property tax
    (D) hazard insurance
    (E) private mortgage insurance (PMI)
(F) Condo Fees (if any)
(G) Current Interest Rate 


Enter the information requested below to determine these key
factors: 

*Use as much space as needed to fill out the form.



	
		1. Total Gross Monthly Income (A)
		
		
		
	
	
		    Annual Income (Borrower)
		
		
		
	
	
		    Annual Income (Co-Borrower)
		
		
		
	



	
		2. Total Monthly Debt Payments (B)
		
		
		
	
	
		    Car Payments
		
		
		
	
	
		    Credit Cards Payments
		
		
		
	
	
		    Student Loan
		
		
		
	
	
		    Other
		
		
		
	
	
		    Other
		
		
		
	
	
		    Other
		
		
		
	



	
		3. Total Estimate of Monthly Escrow (C,D,E)
		
		
		
	
	
		    Property Taxes per Month
		
		
		(C)
	
	
		    Hazard Insurance per Month
		
		
		(D)
	
	
		    Private Mortgage Insurance (PMI) per Month
		
		
		
	
	
		    (Estimated Mortgage x 0.000375)
		
		
		(E)
	



	
		4. Total Monthly Condo Fees (F)
		
		
		
	
	
		    Condo Fees (if any)
		
		
		(F)
	



	
		5. Today's Current Interest Rate (G)
		
		
		
	
	
		    30 Year Conventional Interest Rate (choose the
closest)
		
		

		(G)

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