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Need-to-know Information

  • At September 16, 2015
  • By Stephen Matte
  • In advice, credit, mortgage
  • 0

Mortgage

When shopping for a new loan most people will only ask interest rate and closing fees when this should be the third thing they are asking. Very often they are leaving thousands of dollars on the table. The pricing …

Ask Best Fit any mortgage or credit question

  • At October 15, 2020
  • By Kate Austin-Avon
  • In advice, credit, mortgage
  • 0

There are some mortgage companies that work better with credit challenges, employment challenges, and so on.

There are financial institutions that offer specialty products, such as asset based lending and stated income products, things of that nature. And also there …

Most people don’t know these questions to ask before getting a mortgage

  • At April 24, 2018
  • By Kate Austin-Avon
  • In advice, loan, mortgage
  • 0

Most people don’t know the right questions to ask before they go out and sign on for a 30 year mortgage with a bank.

Questions like, “How long will I be staying in this home?” “Am I expecting a windfall …

Why Does A Credit Score Matter?

  • At December 16, 2016
  • By Kate Austin-Avon
  • In advice, credit, loan, mortgage
  • 0

Why does a credit score matter?

The difference between 620 and 650 credit score can mean the difference of thousands of dollars in fees and costs to you.

If you have a 620 credit score, chances are you are going …

What is a Loan Modification Program?

  • At December 09, 2016
  • By Stephen Matte
  • In advice, borrowing, loan, mortgage
  • 0

What is a loan modification?

A loan modification is going to a financial institution looking for an adjustment in the interest rate that you’re currently paying. They work with your unpaid balance. You took out a note with the bank …

This could damage your credit score

  • At October 06, 2015
  • By Stephen Matte
  • In borrowing, co-signing, credit, loan, mortgage
  • 0

One way that people often hurt their credit is with Co-signing. My advice is — Don’t do it!

Here are a few things to consider:

  1. Can I afford to pay the debt each month?
  2. Can I be the main borrower?
…

What you need to know before paying an old collection

  • At September 29, 2015
  • By Stephen Matte
  • In advice, collection, credit
  • 0

Did you know that if you pay off an old collection, your credit score could actually go down? Here’s what you need to know before paying off an old collection!

By paying off the old collection you are updating the …

5 Ways to Hurt Your Credit

  • At September 21, 2015
  • By Stephen Matte
  • In advice, credit
  • 0

 

Paying off Collections

I know it doesn’t make sense that you are punished for doing the right things, but unfortunately we don’t live in a perfect world and you are not always rewarded for doing the right thing. When …

How to find your credit score

  • At August 21, 2015
  • By Stephen Matte
  • In advice, credit
  • 0

Are you wondering how to find your credit score?

Pull your own Tri-Merge scored credit report. Note that you will have to pay for this. The  middle score is the one that they will use to determine your qualification and/or …

What is amortization?

  • At August 07, 2015
  • By Stephen Matte
  • In advice, borrowing, loan, mortgage
  • 0

 

Amortization is the distribution of payment into multiple cash flow installments, as determined by an amortization schedule. Unlike other repayment methods, each of your installments consists of both principal and interest. You are most likely to encounter amortization with …

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Our real estate company had just emerged from bankruptcy and lenders wanted more experience before providing financing. Steve found us a bridge lender that made the loan, saving us a significant amount and set up the successful refinancing a year later. He helped me find an outfit to help with my credit issues as well. Steve did an excellent professional job and was a pleasure to work with.

JohnPresidentOld Chatham, New York
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I was referred to Mr. Matte from my local bank for advise and referral to consolidate our debt/finances between business and personal. Mr. Matte listened to our challenges and what our objectives were, and was very instrumental in referring us to a national bank that would provide us with opportunities that corresponded to our needs. I would definitely recommend Mr. Matte’s services and would underscore that his ability to understand the depth of your situation and then determine where you might… Read more

Rebecca SmithHeritage Photography
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If you or someone you know is in need of a financial parachute, I highly recommend Steve Matte. He finds the most attractive rates for both conventional and hard money loans.

I have been working with him for over 25 years on mortgages and credit restorations. Ninety five percent of my clients are soaring in their business endeavors after utilizing his professional abilities.

Dan Van WieVice President, Corporate DevelopmentGlens Falls National Bank and Trust Co.
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We have, on two separate occasions, benefited from the advice and counsel of Stephen Matte at Best Fit. The first was when he arranged financing on our home. With those proceeds, we were able to pay off a business loan that involved the home as well. As the business was hospitality related and seasonal to boot, all customary lending sources had turned us down. In addition, the interest rate he negotiated was perfectly satisfactory.

The second occasion was when we needed advice for our daughter w… Read more

Jephson Hilary
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Recent Posts

  • Ask Best Fit any mortgage or credit question
  • Most people don’t know these questions to ask before getting a mortgage
  • Why Does A Credit Score Matter?
  • What is a Loan Modification Program?
  • This could damage your credit score

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