NY Mortgage Broker
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New York Mortgage Facts
- Non-Community Property State - Since New York is a non-community property state, you do NOT need to include the liabilities of your spouse, when applying for a New York mortgage, if you choose to leave them off of the loan.
- High Closing Cost State - HUD has determined certain states to be high closing cost states and others to be low closing cost states. New York is classified as a high closing cost state due to higher priced title fees. If you are moving to New York from another state, be aware of these costs.
- Mortgage Tax State - Be aware, there is a state tax that is assessed on all New York mortgages. This tax varies per county.
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