The New York and New Jersey FSBO Seller Guide
Prepare, price, market and manage an owner-direct sale with practical checklists and transaction guidance.
Serving homebuyers, owners and investors across New York and New Jersey
Clear guidance without the jargon
Mortgage by Fox Learning Center
Practical education for homebuyers, FSBO sellers and property investors across New York and New Jersey.
Free downloadable guides
Start with a clear road map.
Read online or download the complete illustrated PDF guides.
The Buyer Mortgage Guide
Understand the mortgage process and the major financing paths for a home or income property.
Latest articles
Evergreen explanations and timely guidance from Timothy J. Fox.
These articles were originally published in the Mortgage by Tim Fox newsletter on Substack.
Buying a Home
Today’s ARM Loans Are Not the Mortgages That Crashed So Many Families
Current ARMs contain consumer protections and adjustment caps designed to limit payment shock
September 14, 2026Read article →Buying a Home
The Top 10 Sexy Mortgage Acronyms
Mortgage gets super sexy when you know the acronyms. OK, it really doesn't, but learn them anyway!
September 14, 2026Read article →Buying a Home
Why Winter Can Be a Great Time to Shop for Real Estate
What’s holding you back from shopping for real estate during the winter months?
September 14, 2026Read article →Mortgage Market
Higher Mortgage Rates Are Holding Steady…What’s a Buyer To Do?
Trying to time the market isn’t going to work. Coming up with a plan with comfortable monthly payments should be your focus.
September 14, 2026Read article →Buying a Home
The Mortgage Document Checklist Every Homebuyer Needs
A simple guide to help buyers prepare for a smoother mortgage approval process in NY & NJ
September 14, 2026Read article →