This website is content-driven to provide detailed information about the NY Consolidation Extension & Modification Agreement, what it is and how it works. There is content-rich information specifically addressing the Refinance and Purchase CEMA as well as Lender-specific processes, assignment fees and contact information. This is your "one-stop-shop" for all related information, but it offers so much more.

The key concept of this website is to provide value to the real estate professional. Retail bankers, mortgage bankers, mortgage brokers, realtors, attorneys and title companies are all affected by the current mortgage crisis. By providing the client the Consolidation Extension & Modification option, the client may save thousands of dollars on NY mortgage tax and, by delivering this value, it has created a significant advantage to the value-add professional.

But what value is there if you alone understand the CEMA but your attorney and/or title company does not? There is a new need for synergy with like-minded real estate professionals who put their clients' needs first and deliver the value that is required is today's market. Finding and partnering with true professionals is the answer. This is adding value. The days of referring business to the mortgage broker who offers bad rates is over. Sending clients to the joint-venture title company isn't providing value. Value, value, value...it must be created and delivered.

This website provides the means, methods and techniques to deliver value by providing information, discussing trends in the market, creating synergy between businesses in this service-driven career, and providing leads and referrals for those looking to build their own mortgage team. It starts with the mortgage...it always does, so be sure to read the Banker's Blog for information on topics such as today's market, the ethical banker, and the trend from mortgage broker to banker. There is tremendous value from gaining insight and knowledge from elite mortgage professionals, and this insight and knowledge is absolutely free.

Welcome to your website. It was created by real estate and mortgage professionals for real estate and mortgage professionals. Feel free to contact us with specific questions or to help update the website's content because, after all, we're in this together...and together we can create and deliver value!