My father grew up in Manhattan, and he was a romanticist who was very educated and cultural. When I was a kid, we visited NYC. I would sit in the car at age 5 or 7 and romanticize about living in NYC in a historic townhouse with a Christmas tree in the window. All the hustle and bustle of NYC and the Christmas tree at Rockefeller Center. FAO Swartz on 58th street and 5th avenue. When I graduated college, I looked to buy a historic rowhouse (not an apartment) to fulfill my vision. I searched Brooklyn, Manhattan, and Hoboken but eventually ended up in Downtown Jersey City. The photo below is one of my favorites, taken in 2003. I hope it inspires you like I am inspired. 

West Village Historic Rowhouse

Mortgage Refinancing Calculator Example:

Refinancing your mortgage? Try this simple mortgage calculator comparing cash flows: Compare (Old) Mortgage To (New) Mortgage.  You can indicate an early payoff if you plan on selling your home before the mortgage is fully amortized.  If you would like to consider present value, try: Compare (Old) Loan To (New) Loan Using Present Value.

Free calculator displaing an amortization schedule and helping homeowners understand the amount of money they will save by refinance there mortgage.

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