Services · Mortgage
Mortgage Relationships
Most contracts that die after signing die at the lender. Financing is where a sale is truly won or lost.
Our founder managed a $200 million commercial mortgage hedge fund, and that background shapes how we handle financing. We qualify buyers properly up front, work directly with loan officers and underwriters, and intervene the moment an appraisal or condition threatens the closing date.
What’s included
- Buyer pre-qualification and proof-of-funds verification before offers are accepted
- Introductions to trusted local lenders, mortgage brokers and portfolio lenders
- Guidance on conventional, FHA, VA, jumbo and non-traditional financing
- Low appraisal strategy, rebuttal and comparable support
- Underwriting condition tracking so nothing sits unanswered
- Financing options for investors, LLCs and multi-family purchases
- Reverse mortgage payoff coordination for estates and senior sellers
For Sellers
We vet your buyer’s financing before you take the home off the market, and stay on the lender until the loan clears.
For Buyers
Financing lined up early and structured to your situation, with a team that solves appraisal and underwriting problems fast.
A qualified buyer and a responsive lender are worth more than a high offer that never closes.
Background
Why this matters
Most contracts that die after signing die at the lender, not at the negotiating table. A seller who accepts the highest offer from a weakly qualified buyer often ends up back on the market sixty days later with a stale listing and less leverage than they started with. Understanding financing well enough to evaluate an offer — not just its price — is one of the most valuable things a listing broker can do.
Our founder spent part of his career managing a $200 million commercial mortgage hedge fund, HPC GmbH, and that background shapes how Real Estate Plan handles the financing side of every transaction. We verify pre-qualification and proof of funds before a home comes off the market, introduce buyers to trusted local lenders, mortgage brokers and portfolio lenders, and advise on conventional, FHA, VA, jumbo and non-traditional financing structures. When an appraisal comes in low we build the comparable support and the rebuttal; when underwriting issues a condition we track it until it clears. For estates and senior sellers we also coordinate reverse mortgage payoffs, which have their own timelines and can quietly delay a closing if nobody is watching them.
How It Works
Our process, step by step
- Qualify the buyer properlyPre-qualification and proof of funds verified before your home comes off the market.
- Match the financing to the situationConventional, FHA, VA, jumbo, portfolio and investor financing each behave differently in a transaction.
- Prepare for the appraisalWe supply comparable support up front to reduce the chance of a low valuation.
- Work the underwritingConditions are tracked and chased until they clear, rather than discovered at the last minute.
- Coordinate payoffsExisting mortgages, home equity lines and reverse mortgage payoffs are ordered and tracked so the closing date holds.
Long Island price points push many buyers into jumbo territory, where underwriting is stricter and appraisal risk is higher. Understanding that before accepting an offer protects your closing date.
FAQ
Frequently asked questions
What happens if the appraisal comes in low?
There are several paths: rebut with better comparables, renegotiate, restructure the down payment, or in some cases order a second appraisal. We build the comparable support before the appraiser ever arrives.
Should I always take the highest offer?
Not necessarily. A slightly lower offer from a strongly qualified buyer with a responsive lender is frequently worth more than a high offer that collapses in underwriting sixty days later.
Can you help with reverse mortgage payoffs?
Yes. Reverse mortgage payoffs have their own timelines and documentation, and they are a common cause of quiet delays in estate and senior sales.
Every Community We Serve
From Montauk to Manhattan — all of Long Island & New York City
We list and sell homes across every city, town, village and neighborhood in Suffolk, Nassau, Queens, Kings, New York and Bronx counties.
Suffolk County
Amagansett, Amityville, Babylon, Bay Shore, Bayport, Bellport, Blue Point, Bohemia, Brentwood, Bridgehampton, Brightwaters, Center Moriches, Centereach, Centerport, Central Islip, Cold Spring Harbor, Commack, Copiague, Coram, Cutchogue, Deer Park, Dix Hills, East Hampton, East Islip, East Northport, East Patchogue, East Setauket, Eastport, Elwood, Farmingville, Fort Salonga, Great River, Greenlawn, Greenport, Hampton Bays, Hauppauge, Head of the Harbor, Holbrook, Holtsville, Huntington, Huntington Station, Islandia, Islip, Kings Park, Lake Grove, Lake Ronkonkoma, Lindenhurst, Lloyd Harbor, Manorville, Mastic, Mastic Beach, Mattituck, Medford, Melville, Middle Island, Miller Place, Montauk, Mount Sinai, Nesconset, Nissequogue, North Babylon, Northport, Oakdale, Ocean Beach, Old Field, Patchogue, Poquott, Port Jefferson, Port Jefferson Station, Quogue, Ridge, Riverhead, Rocky Point, Ronkonkoma, Sag Harbor, Sagaponack, Sayville, Selden, Shelter Island, Shirley, Shoreham, Smithtown, Sound Beach, Southampton, Southold, St. James, Stony Brook, Wading River, Water Mill, West Babylon, West Islip, Westhampton, Westhampton Beach, Wyandanch, Yaphank
Nassau County
Albertson, Atlantic Beach, Baldwin, Bayville, Bellmore, Bethpage, Brookville, Carle Place, Cedarhurst, East Meadow, East Norwich, East Rockaway, Elmont, Farmingdale, Floral Park, Franklin Square, Freeport, Garden City, Glen Cove, Glen Head, Great Neck, Hempstead, Hewlett, Hicksville, Island Park, Jericho, Kings Point, Lawrence, Levittown, Lido Beach, Locust Valley, Long Beach, Lynbrook, Malverne, Manhasset, Massapequa, Massapequa Park, Merrick, Mineola, Muttontown, New Hyde Park, Oceanside, Old Brookville, Old Westbury, Oyster Bay, Plainview, Point Lookout, Port Washington, Rockville Centre, Roslyn, Sands Point, Sea Cliff, Seaford, Syosset, Uniondale, Valley Stream, Wantagh, West Hempstead, Westbury, Williston Park, Woodbury, Woodmere
Queens County
Astoria, Bayside, Bellerose, Briarwood, College Point, Corona, Douglaston, East Elmhurst, Elmhurst, Far Rockaway, Flushing, Forest Hills, Fresh Meadows, Glendale, Glen Oaks, Hollis, Howard Beach, Jackson Heights, Jamaica, Jamaica Estates, Kew Gardens, Little Neck, Long Island City, Maspeth, Middle Village, Oakland Gardens, Ozone Park, Queens Village, Rego Park, Richmond Hill, Ridgewood, Rockaway Beach, Rosedale, St. Albans, Springfield Gardens, Sunnyside, Whitestone, Woodhaven, Woodside
Kings County — Brooklyn
Bay Ridge, Bedford-Stuyvesant, Bensonhurst, Boerum Hill, Borough Park, Brighton Beach, Brooklyn Heights, Bushwick, Canarsie, Carroll Gardens, Clinton Hill, Cobble Hill, Coney Island, Crown Heights, DUMBO, Dyker Heights, East New York, Flatbush, Fort Greene, Gowanus, Gravesend, Greenpoint, Kensington, Marine Park, Midwood, Park Slope, Prospect Heights, Red Hook, Sheepshead Bay, Sunset Park, Williamsburg, Windsor Terrace
New York County — Manhattan
Battery Park City, Chelsea, Chinatown, East Harlem, East Village, Financial District, Flatiron, Gramercy, Greenwich Village, Hamilton Heights, Harlem, Hell’s Kitchen, Hudson Yards, Inwood, Kips Bay, Lenox Hill, Lincoln Square, Little Italy, Lower East Side, Midtown, Morningside Heights, Murray Hill, NoHo, NoLita, SoHo, Tribeca, Turtle Bay, Upper East Side, Upper West Side, Washington Heights, West Village, Yorkville
Bronx County
Baychester, Bedford Park, Belmont, Castle Hill, City Island, Concourse, Co-op City, Country Club, Eastchester, Fordham, Highbridge, Hunts Point, Kingsbridge, Melrose, Morris Park, Morrisania, Mott Haven, Norwood, Parkchester, Pelham Bay, Pelham Gardens, Riverdale, Soundview, Spuyten Duyvil, Throggs Neck, Tremont, University Heights, Wakefield, Williamsbridge, Woodlawn
We Guarantee To Help Homeowners Net More Money