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New York City Realtor KAREN KOSTIW

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Credit Score

Credit Score

What Homebuyers Need To Know About Credit Scores

Credit Score knowledge is essential if planning on purchasing a home.  Knowing your credit score’s a critical piece of the puzzle when qualifying for a home loan. Lenders review your credit to assess your ability to make payments on time, pay back debts, and more. It’s also a factor that helps determine your mortgage rate. An article from Bankrate explains:  “Your credit score is one of Continue Reading

Pre-Approval

Pre-Approval Is a Critical First Step on Your Homebuying Journey

  If you’re planning to buy a home this year, one of the first steps on your journey is getting pre-approved. Especially in today’s market when mortgage rates are higher than they were just a few months ago, getting a mortgage pre-approval can be a game changer. Here’s why. What Is Pre-Approval? To better understand why pre-approval is key, it’s Continue Reading

Mortgage Rates

Four Things That Help Determine Your Mortgage Rate

  If you’re looking to buy a home, you probably want to secure the lowest interest rate possible for your home loan. Over the last couple of years, that was easier to do as the housing market saw record-low mortgage rates, but this year rates have risen dramatically. If you’re looking for ways to combat today’s higher rates and lock in the lowest one you Continue Reading

The Journey To Buy a Home [INFOGRAPHIC]

  Key Take Aways When you head out to buy a home, several key milestones will be encountered along the way. The process includes everything from building your team and understanding your finances to going house hunting, making an offer, and more. Your journey starts here. Let’s connect, so you have expert guidance each step of the way. Other educational Continue Reading

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124 Hudson Street
New York NY, 10013


Karen Kostiw
(917) 524-4152 Cell
(212) 327-9622 Office
(646) 422-4083 Fax

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