Shaya Seidenfeld Shares Tips to Secure a Better Mortgage for Your Property
Y ou finally find a place that feels like home, but the mortgage numbers on your screen make your stomach drop. Shaya Seidenfeld , a seasoned real‑estate advisor who has guided dozens of first‑time buyers through the lending maze, insists that you can tilt the odds in your favor with a few strategic moves. Below, he walks us through the steps that have saved his own clients real money. Step 1: Know Your Numbers—Before the Lender Does Check Your Credit, Top to Bottom Last month, one of Shaya’s clients discovered a seven‑year‑old medical bill dinging her score by 40 points. A quick dispute pushed her into a better rate bracket. Take that as a cue: download your free credit report, highlight anything that looks off, and give yourself a buffer of at least six weeks to fix mistakes or pay down balances. Map Out a “Comfort Zone” Budget Instead of chasing the maximum loan you qualify for, Shaya recommends a simpler rule: keep the monthly payment where you could still breathe if you...