Susan Fierro
Susan Fierro
Licensed Real Estate Broker

Universal Home Sales, LLC
631-676-5676
Contact Me

Blog: Mortgage Information

Your Savings and Down Payment

Your First Step Toward Buying a Home When preparing to buy a home, the first thing many homebuyers do is look at the real estate ads in newspapers, magazines and listings on the Internet. Some potential buyers read how-to articles like this one. The next... Read more

Which ARM is the Best Alternative?

How would you like a mortgage loan where you did not have to make the whole payment if you did not want to? Or would you like a loan with an interest rate about 1% below a thirty-year fixed rate mortgage and pay zero points? Or a loan where you did not ha... Read more

WHAT’S A FICO®?

What is a FICO® Score? FICO® stands for Fair Isaac & Company and is the name for the most well known credit scoring system, used by Experian. The credit bureau’s computer evaluates a complete credit profile and assigns a score, which is... Read more

Types of Mortgage Lenders

Mortgage Bankers Mortgage Bankers are lenders that are large enough to originate loans and create pools of loans, which are then sold directly to Fannie Mae, Freddie Mac, Ginnie Mae, jumbo loan investors, and others. Any company that does this is conside... Read more

Land Contract

An alternative to a non-conforming loan is the use of a land contract, which is allowed in some states. A land contract is an agreement between a buyer and a seller, where the buyer agrees to make periodic payments to the seller. The title to the property... Read more

Susan Fierro
Universal Home Sales, LLC.

273 Hawkins Avenue
Ronkonkoma, NY 11779
Phone: 631-676-5676
Fax: 631-585-9783
Contact Me

Sellers
If you're planning to sell your home in the next few months, this FREE service is designed to help establish your home's current market value. Simply choose Market Analysis and fill out the requested information. I will use comparable sold listings to help you calculate the fair market value of your home.

Buyers
Automatically receive personalized MLS listings by e-mail. Early each morning I will search the local MLS and find the homes that match your criteria and notify you immediately with the latest listing information!! Simply choose Dream Home Finder and fill in the requested information.

Testimonials

Very responsive and great to work with. She was very knowledgeable about neighborhood and surrounding area. Played important role in closing deal when negotiations were stalled.
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