Chappaqua Home Values

06/18/2026

How do mortgage decisions change as you move into your 40s, 50s, and beyond?

Jump on this podcast: Real Estate Connections, with host Mary Foerster and me to break down what today’s buyers need to understand about financing in a changing market.

Mortgage Decisions in Midlife: What You Need to Know Before You Buy Again

Here are insights specifically for those navigating major life transitions such as empty nesting, downsizing, relocation, or caring for aging parents.

This conversation goes beyond rates and approvals. It focuses on what lenders actually consider, what they don’t, and how to make smarter financial decisions in today’s environment.

Podcast Episode · Real Estate Connections | with Mary Foerster · May 6 · 29m

06/04/2026

In this market, “pre-approved” too often means “outbid.” That fine print — “This is not a commitment to lend.” — is knocking good buyers out of contention.

Give yourself a decisive edge: apply for a fully underwritten To Be Determined (TBD) Commitment with me.
Why it wins:
Same documentation as a pre-approval — but real underwriting is completed upfront, before a property is picked.
Offers are stronger than standard pre-approvals and credibly compete with cash.
Fewer surprises, fewer conditions, and cleaner contracts that sellers trust.
Faster clear-to-close, tighter timelines, and more accepted offers for you.

Power matters right now. Go in with a Commitment — not a caveat.
I can prioritize your active buyers today.
Call or text me at 914-380-0600 and I’ll move you from “pre-approved” to “fully underwritten” fast.

Join moderator Quentin Edmonds and me on the "Real Estate Pros Show" discussing Sustainable Home Ownership and busting mortgage myths

Sol Skolnick shares his journey from book publishing to becoming a mortgage professional, emphasizing the importance of education, communication, and strategic planning in real estate. Discover practical tips on mortgage processes, the value of pre-approvals, and how storytelling can empower your ho...

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