first-time buyer

… especially daunting  If youre planning on taking the leap to ownership youll want answers to critical questions about … a coop or condo makes better financial sense for you and how to budget for closing costs and monthly maintenance or … Portfolio lendersbanks that lend their own money and do not sell off loans on the secondary markethave looser credit …

… price towards the down payment Financing a deal like thatwhen the median price for Manhattan coops and condos  is … monthly payments you will have to pay a portion back if you sell within the first 10 years The loan selfamortizes by … pay stubs bank statements income tax returns and the names addresses and rental amounts of previous apartments  …