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As if we needed further proof that the housing market sucks..

We got this letter in the mail from HSBC: Dear Ariana & Jeff, Subject: Home Equity Line of Credit Account We periodically review Home Equity accounts. As part of that process, an Automated Valuation Model (AVM) showed a mterial decline in your property value since your account was opened. Under the terms of your Line […]


Closing, its just the beginning.

We closed on the house Friday! So much has happened over the past few days it feels like a lifetime since then. I’ll start with the walkthrough on Thursay night. We hadn’t seen the house in a few weeks ad were pleasantly surprised to see everything had bloomed, including the gorgeous Japanese Cherry tree in […]


SONYMA, the New York state first time home buyer’s mortgage

I had always been under the impression that there are really good deals out there for first time home buyers.. at least that’s what I thought until we actually became first time homebuyers at which point I realized its a bit of an urban myth.  None of the banks or mortgage brokers we spoke with were offering us any […]