Solskolnickprofessorhomeloan

06/09/2026

Join me on the new MP Access podcast on You Tube to gain essential insights into affordability, and the crucial steps for informed homebuying now.

Let me demystify a pre-qualification, a pre-approval, and the power of a "To Be Determined Commitment Letter" for strengthening your offer in a very competitive market.
Discover strategies for making smart mortgage choices beyond the standard 30-year fixed.
What you need to know about the details of how your loan works. What happens to your loan (after it is closed) if the rates go down? Will your lender modify or will you have to refinance? What if you add a substantial payment to your underlying balance? Will your lender recast your loan?
Join me now here.

Gain essential insights into the mortgage industry with Solomon Sko...

05/29/2026

Pre-approvals are weak.
Don’t get knocked out by the fine print: “This is not a commitment to lend.”
There’s a better way to compete—get a fully underwritten To Be Determined (TBD) Commitment from me.
Same documentation as a pre-approval—real underwriting done upfront, before you pick a property.
Shop with confidence and speed. Your offer reads stronger than a pre-approval and can compete with cash.
Fewer surprises. Faster closings. More accepted offers.
In this market, power matters. Go in with a Commitment—not a caveat.
Call or text me today 914-380-0600.

05/07/2026

SKIP the Pre-Approval letter! WHAT?

If someone that you know is planning to purchase a home
give them an advantage over other buyers!

According to the Consumer Financial Protection Bureau (CFPB) “Prequalification and preapproval both refer to a letter from a lender that specifies how much the lender is willing to lend to you, up to a certain amount and based on certain assumptions.
These letters provide useful information but are not guaranteed loan offers”
In fact, the pre-approval letter clearly states that it is not a commitment to lend!"

To give your friends and clients at an advantage over other buyers (and even put them in a position comparable to a cash buyer) engage a lender who can provide you with a
TBD Property “To Be Determined" commitment letter.
A TBD includes all the elements of a pre-approval and takes it one very important step further!
A TBD is an actual loan commitment to lend to you even before you identify a specific property to purchase is identified.

Not all lenders, bankers, or brokers can provide a TBD commitment. So, when comparing lenders (which is a must even beyond rate) make sure that they can provide this difference maker to you!

Listen to further conversation about getting a TBD and skipping the pre-approval process and other insights into succeeding at the application process on the "Real Estate This Week podcast with 5-time Emmy Award winning Broadcaster Stephen Gasque, and me.
https://realestatethisweekpodcast.com/spring-market-mortgage-strategies

05/04/2026

JUMP ON THE 'Real Estate this Week' Podcast with Stephen Gasque 5-Time Emmy Award-winning TV journalist, and me, discussing home financing in this spring market.
https://podcasts.apple.com/.../spring.../id1816974901...

What's better than a pre-approval for a home purchase?

YOU CAN get a Commitment for a Loan before you identify a property.

We discuss the advantage of a To Be Determined (TBD) Commitment vs pre-approval letters.

What are THE STEPS TO SOUND FINANCING and SUSTAINABLE HOME OWNERSHIP.

https://podcasts.apple.com/.../spring.../id1816974901...

What are THE STEPS TO SOUND FINANCING and SUSTAINABLE HOME OWNERSHIP?



·

04/02/2026

Bri Lees, advisor to mortgage leaders, exposes the industry's comfortable delusions. She's made a career dismantling the excuses that keep it there. She’s the executive who saw what mortgage marketing could be and couldn’t live with what it was. ...
Lees built her reputation by saying the things everyone else is too polite to publish."
Below is her essay about how women have and continue to be (mis) treated in the mortgage industry. Of course, what she describes transcends industry. Please read it. https://lnkd.in/g4dX4WAf

03/23/2026

Want your offer to purchase a home 🏠 to beat other bidders?

SKIP the pre-approval letter!

WHAT? 😉

Engage a lender who can provide you with a TBD Property “To Be Determined" COMMITMENT letter.

According to the Consumer Financial Protection Bureau (CFPB) “Prequalification and preapproval letters provide useful information but are not guaranteed loan offers”

In fact, the pre-approval letter clearly states that it is NOT a Commitment to lend!

Here is how we give buyers who are financing an advantage over the competition!

We can provide you with a

TBD Property “To Be Determined" COMMITMENT letter.

A TBD includes all the elements of a pre-approval and takes it one very important step further!

We can provide an ACTUAL LOAN COMMITMENT to lend up to a specified amount 💰 to you even before you identify a specific property to purchase.

Not all lenders, bankers, or brokers can provide a TBD commitment. So, when comparing lenders 🏦 (which is a must even beyond rate) make sure that they can provide this difference maker to you!

Contact me so we can put you at an advantage over the competition.

🤳914-380-0600 or 📩 [email protected]

03/19/2026

Are you considering financing a home 🏠 purchase or a refinance?
Important questions that borrowers may not know to ask:
Regardless of the loan product that you choose it is important
to understand:

Is there a pre-payment penalty? If you choose to pay down some or all of the principal amount prior to the end of the term, will you be charged a fee for early payment or pay-off.

Will your lender allow you to recast your loan? This can occur when you add a lump sum 💰 payment to the principal amount. This lowers your balance but does not change your interest rate or loan term. It does allow the lender to recalculate the monthly payment based on the new lower principal balance.
Have your lender explain what their criteria and requirements are for recasting. FHA, VA and USDA loans cannot be recast.
Would you like to know more about the home loan process?
Click on this link for a complimentary copy of my book. https://solskolnick2.book.live/mortgage-lenders-buyers-book

12/30/2025

If your goal in 2026 is to improve physical health, lose weight, improve your Mental Health, learn something new, travel, quit a bad habit, there are professionals who can give you guidance. If owning a home in 2026 is your goal I am the professional to help you create a plan!
text or call me at 914-380-0600

11/25/2025

Should you invest in fixes, or is it time to find a home that’s already been properly maintained?

As the season shifts, cooler weather and changing conditions often reveal home maintenance issues that were easy to ignore during the summer.

When heating systems sputter on their first run, gutters back up after rain, or drafty windows make rooms uncomfortable; many homeowners face an unpleasant reality. Those “small issues” that were postponed suddenly demand immediate, and expensive, attention.

The stress builds once repair estimates start coming in and many families find themselves asking the same question:

Should you invest all this money in fixes, or is it time to find a home that’s already been properly maintained?”

Let me help you explore financing options when these tough decisions arise. Whether it’s finding the right loan for home improvements or securing financing for a new move-in ready property, let me provide guidance and resources to make the smartest choice for your budget and long-term goals.
Call or text me: 914-380-0600
[email protected]
photo copyright 2025 solomonmskolnick

11/13/2025