Joseph A. Latini, Mortgage Loan Professional NMLS# 403780

09/15/2026

The recent performance activity of the 10 year treasury bond is what is really fueling higher rates, not so much any Federal Reserve moves as is widely reported in the news media. Yesterday the 10 year Treasury went over 5.0 briefly, for a variety of reasons. China continues their efforts at currency manipulation with large sell offs, and idiotic domestic economic policy continues to devalue the dollar with talk of another round of free money to the masses, which will almost certainly increase inflation numbers again. (Will we EVER learn?)

The end result is that homes with mortgages that have existing low interest rates and are assumable will become more valuable than the homes that do not, as mortgage rates will soon top 7% once again.

Unfortunately, I don’t think this will do anything to curb pricing, since it will further shrink the housing supply when people decide it isn’t worth selling their home and getting rid of their current 3% interest rate. What it will do with shrink overall volume.

09/02/2026

HOMEOWNER’S ASSOCIATIONS:
They’re not for everyone.

08/31/2026

As with all “long haul” taxation, it quickly becomes dated and out of touch with it’s original purpose. Taxation of this nature should be short term in nature, and made to go back to the people through referendum often enough that it keeps with its original intent, and so that the politicians do not become automatically reliant on the money it generates to further bloat state and local government

Did you know nearly 1 in 4 homes sold on Long Island this year have been subject to New York’s Mansion Tax? 🏠

When the tax was created in 1989, the $1 million threshold was intended to apply to luxury homes. More than 35 years later, that threshold has never been indexed to inflation — while Long Island home prices have risen dramatically.

That’s why LIBI, alongside a coalition of Long Island business organizations, is calling on state lawmakers to modernize the Mansion Tax to reflect today’s housing market better.

As LIBI CEO Mike Florio told Newsday, “We’re not saying get rid of the tax… but it’s dated at this point.”

Thank you, Newsday, for highlighting this important conversation.

LongIslandHousing Housing HousingMarket Homeownership Homebuyers MansionTax MansionTaxReform NewYork NewYorkState

07/06/2026

Thinking of selling your home but you have a low interest rate mortgage? I can help.

Email from Aquire Homes Make Thousands More When You Sell Your Home with an Assumable Mortgage You Can Get More Money When Selling Your Home When Your Current Mortgage Is Assumable! Are you thinking o

07/03/2026

If you are interested in coming, please send me a private message. Space is limited, should be fun!

Email from Aquire Homes Hosted by the Mt. Sinai Yacht Club and Joseph A. Latini Please join me at our Mount Sinai Yacht Club Cigar and Bourbon Dinner Hosted by MSYC Member Joseph A. Latini Please join

07/03/2026

Mortgage rates on 30-year fixed home loans dropped to 6.43% for the week ending July 2, the lowest level since May 14 and the biggest weekly decline since late April.

05/17/2026

Today we honor those who chose to serve our nation by risking their lives for our collective defense.

05/15/2026

Thank you Legislator Chad Lennon, for being such an avid supporter of the work I do with Homes for Heroes. Through both Contour Mortgage and Assumemyloan.com, we work to assist Military Veterans, Police, Firefighters, Teachers and Healthcare professionals in purchasing a home of their own. Homeownership is the foundation of personal wealth, and Legislator Lennon’s commitment to helping his fellow Military Veterans achieve that success will be a lasting legacy to those he serves.

04/17/2026

The Spring Market is in full swing!
Rates have dropped a little and new inventory is being listed every day! If you are looking for a home, make sure you have one of my pre-approvals attached to your offer in order to give yourself the best chance of success! I spend all weekend making sure that buyers who pre-approve through me get their offers accepted instead of the ones that are pre-approved through lesser known, inferior mortgage lenders. You look at more than one house, you should speak with more than one lender. Having a pre-approval letter with my signature at the bottom tells the area Realtors that you are a serious buyer, and will close should they choose to go with you. Call me today, 516-318-6500 or email me at [email protected] and get your pre-approval in time to make a WINNING offer!