Accepted properties are featured at no charge. Mortgage by Fox does not receive a real estate commission or fee from the sale of a featured property.
Serving homebuyers, owners and investors across New York and New Jersey
Properties offered directly by their owners
Owner-direct homes.
Owner-direct income properties.
Explore homes, multifamily buildings and income properties offered directly by their owners throughout New York and New Jersey, beginning with our featured markets across the Hudson Valley, New York City, Long Island and Northern New Jersey.
City, county or ZIP code ⌖
PRICEAny price⌄
PROPERTY TYPEAll types⌄
Every property is offered directly by its owner
Clear roles. No hidden obligations.
A Clear, Owner-Direct Approach
Properties are offered directly by their owners. Timothy J. Fox and FBC Mortgage, Inc. do not act as the buyer’s or seller’s real estate broker or agent, negotiate the property transaction, or guarantee the accuracy of owner-supplied property information.
Neither buyers nor sellers are required to obtain financing or any other service through Timothy J. Fox, FBC Mortgage, Inc., or any particular provider.
Timothy J. Fox, Mortgage Loan Originator, NMLS #2017742. Licensed in New York and New Jersey. FBC Mortgage, Inc., NMLS #17252. Equal Housing Opportunity.
Read Our Full Disclosures →Explore owner-listed opportunities
Featured properties
Owner Listed
Move-in ready colonial
$999,900
26 Shaw HighwayCortlandt Manor, NY4 beds • 2.5 baths • Nearly 1 acre
View property →Owner-Listed Income Property
Mixed-use investment opportunity
$769,000
552 Valley Brook AvenueLyndhurst, NJ6 beds • 3 baths • Approx. 3,600 sq. ft.
View property →Explore DSCR and Non-QM financingOwner Listed
Space, character and commuter access
$799,999
190 Totowa RoadTotowa, NJ5 beds • 2.5 baths • Brick colonial
View property →Sample listings and images are included for prototype review.
Practical guidance for your next step
Resources for owners and buyers
Clear, useful information for navigating an owner-direct sale or choosing a financing path.
For property owners
The NY & NJ FSBO Seller Guide
Prepare, price, photograph, market and manage your sale with a practical road map built for owner-direct sellers.
Read the seller guideFor homebuyers and investors
The Buyer Mortgage Guide
Understand the mortgage process and compare major financing paths, including Conventional, FHA, VA, Non-QM and DSCR.
Read the buyer guideMortgage by Fox Calculator Center
Turn a property price into a practical plan.
Estimate a complete monthly payment, explore an approximate buying range, or see how extra principal could shorten a mortgage.
Open the calculatorsWhere we are starting
Featured Markets
We welcome owner-direct property listings throughout New York and New Jersey. Our initial coverage is concentrated in the following markets.
Have a property outside these markets? Contact Tim →NY
Featured markets in
New York
- Westchester County
- Rockland County
- Putnam County
- Dutchess County
- Nassau County
- Manhattan
- Brooklyn
- Queens
- The Bronx
- Staten Island
NJ
Featured markets in
New Jersey
- Bergen County
- Passaic County
- Hudson County
- Essex County
- Morris County
For owners selling directly
Would You Like to
Feature Your Property?
Tell me a little about your FSBO home or owner-listed income property, and I’ll contact you personally to discuss how it may be featured on Mortgage by Fox. There is no charge, no obligation and no requirement to finance through Tim or use any particular service provider. You do not need to prepare a complete listing or upload everything now.
When you feature your property, you’ll receive:
- Personal conversation with Tim
- Professionally written property page
- Shareable social-media flyer
- Your approval before publication
Read the NY & NJ FSBO Seller Guide →
Owner-direct listings only.The property must be offered directly by its owner. If professional representation begins, the listing will be archived.
The property is only half the equation
Understand the financing before you make your move.
Whether you are buying a home to live in or evaluating a multifamily investment, explore the major mortgage paths, including Non-QM and DSCR. Then contact Tim or the lender of your choice to determine which options may fit your individual situation.
Read the Buyer Mortgage Guide →Local guidance
Mortgage by Tim Fox
A focused property resource supported by practical mortgage guidance for buyers, sellers and investors across New York and New Jersey.
Read Tim’s story →Common questions
Free means free.
What does it cost to feature my property?
There is no listing fee and no obligation. Mortgage by Fox features qualifying owner-direct properties at no charge.
Do I have to finance through Tim?
No. Owners and buyers may use Tim, another lender, or any other service provider they choose. A property feature is not conditioned on using any provider.