Home A-Loan The Lowdown on Reverse Mortgages

By Cooperator Staff 2004 Jul Finance

"¢ Borrower must be age 62 or older

"¢ No monthly payment is required

"¢ Must obtain co-op board approval in most cases

"¢ Proceeds can be used for any purpose

"¢ No financial reports, credit history or medical reports required

Study: Most New Yorkers Are Shut Out of Buying a Home

Real Estate Investors and High Home Prices Are to Blame, Says Report

The Appraisal Process

Knowing Your Worth

Paying off Underlying Mortgages

The Pros & Cons

Comments

55hisako@gmail.com on Wednesday, August 13, 2008 12:32 AM

Under what cercumstance co op refuse for me to get home equity loan? I am 62 years old and I would like to get a half million loan aginst debt free, owned 2 million plus co-op.

Events

Tue, Dec 17, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Dec 17, 9:00pm – 12:00am add to calendar 17-12-2019 21:00 18-12-2019 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page.

Tue, Dec 24, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Dec 24, 9:00pm – 12:00am add to calendar 24-12-2019 21:00 25-12-2019 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Dec 31, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Dec 31, 9:00pm – 12:00am add to calendar 31-12-2019 21:00 01-01-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Jan 7, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Jan 7, 9:00pm – 12:00am add to calendar 07-01-2020 21:00 08-01-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Jan 14, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Jan 14, 9:00pm – 12:00am add to calendar 14-01-2020 21:00 15-01-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Jan 21, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Jan 21, 9:00pm – 12:00am add to calendar 21-01-2020 21:00 22-01-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Jan 28, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Jan 28, 9:00pm – 12:00am add to calendar 28-01-2020 21:00 29-01-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Feb 4, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Feb 4, 9:00pm – 12:00am add to calendar 04-02-2020 21:00 05-02-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Feb 11, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Feb 11, 9:00pm – 12:00am add to calendar 11-02-2020 21:00 12-02-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Feb 18, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Feb 18, 9:00pm – 12:00am add to calendar 18-02-2020 21:00 19-02-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Feb 25, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Feb 25, 9:00pm – 12:00am add to calendar 25-02-2020 21:00 26-02-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Mar 3, 9:00pm – 12:00am

NYC DOB: Homeowners Night

Tue, Mar 3, 9:00pm – 12:00am add to calendar 03-03-2020 21:00 04-03-2020 00:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Mar 10, 8:00pm – 11:00pm

NYC DOB: Homeowners Night

Tue, Mar 10, 8:00pm – 11:00pm add to calendar 10-03-2020 20:00 10-03-2020 23:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Mar 17, 8:00pm – 11:00pm

NYC DOB: Homeowners Night

Tue, Mar 17, 8:00pm – 11:00pm add to calendar 17-03-2020 20:00 17-03-2020 23:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Mar 24, 8:00pm – 11:00pm

NYC DOB: Homeowners Night

Tue, Mar 24, 8:00pm – 11:00pm add to calendar 24-03-2020 20:00 24-03-2020 23:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Mar 31, 8:00pm – 11:00pm

NYC DOB: Homeowners Night

Tue, Mar 31, 8:00pm – 11:00pm add to calendar 31-03-2020 20:00 31-03-2020 23:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Apr 7, 8:00pm – 11:00pm

NYC DOB: Homeowners Night

Tue, Apr 7, 8:00pm – 11:00pm add to calendar 07-04-2020 20:00 07-04-2020 23:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Apr 14, 8:00pm – 11:00pm

NYC DOB: Homeowners Night

Tue, Apr 14, 8:00pm – 11:00pm add to calendar 14-04-2020 20:00 14-04-2020 23:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Apr 21, 8:00pm – 11:00pm

NYC DOB: Homeowners Night

Tue, Apr 21, 8:00pm – 11:00pm add to calendar 21-04-2020 20:00 21-04-2020 23:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

Tue, Apr 28, 8:00pm – 11:00pm

NYC DOB: Homeowners Night

Tue, Apr 28, 8:00pm – 11:00pm add to calendar 28-04-2020 20:00 28-04-2020 23:00 America/New_York NYC DOB: Homeowners Night If you are a homeowner, tenant, small business owner or building manager, we encourage you to visit your local borough office where Department of Buildings staff can answer your questions and provide the information you need.Permits, construction codes, zoning regulations, sign offs, certificates of occupancy, place of assembly, equipment installations, violations and civil penalties are just a few of the things we can assist you with. Our plan examiners, inspectors and staff are here to help you build and live safely in New York City – no appointment needed. For information, visit https://www1.nyc.gov/site/buildings/homeowner/homeowner.page. MM/DD/YYYY

NYC DOB: Homeowners Night

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News

12/13/2019 Extell's LES Tower Sold The Most NYC Condos So Far In 2019: Study—Patch.com

After reports of a luxury condo glut across the city, a new study now says the Lower East Side's Extell Tower has sold the most condos of all residential buildings in New York City.
Read full story

12/13/2019 Freebies not enough to clear Manhattan's luxury condo inventory—The Business Times

New York-based real estate developer Extell Development gave Israeli investors a peek into how well its condos are selling in New York, and the takeaway from that was clear: When trying to offload luxury apartments, throwing in concessions helps, but it's not enough to clear inventory in a market full of high-priced competition.
Read full story

12/13/2019 Uptown neighborhood continues its rise despite a lack of new development—Crain's New York Business

In the early 1980s a Columbia University undergrad named Barack Obama rented an apartment in Manhattan Valley, which stretches between West 96th Street and West 110th Street from Central Park to Broadway. The neighborhood is easy to overlook, despite its 10 blocks of frontage on Central Park and location between Columbia University–dominated Morningside Heights to the north and the much more storied Upper West Side to the south and west.
Read full story

12/13/2019 New York Energy Consumers Council honors recipients of 2019 Energy New York Awards—New York Real Estate Journal

The New York Energy Consumers Council (NYECC), the largest energy customer advocacy organization in New York State, today announced its 2019 Energy New York Awards (ENYA) recipients. The ENYA honors organizations and individuals who demonstrate exceptional leadership and innovation in smart energy use and conservation, and whose work has impact beyond their individual buildings or sites. Alicia Barton, president and CEO of the New York State Energy Research and Development Authority (NYSERDA), served as keynote speaker at the event.
Read full story

12/13/2019 He says his boss told him to ignore the rat infestation in the ceiling. Then it fell on him.—The Washington Post

When he showed up to install a new wall at a Manhattan apartment over the summer, Robert Petersen says he didn’t have gloves or goggles. So his boss told him to ignore the swarm of rats, both dead and alive, that had infested the ceiling. Then, it collapsed on him.
Read full story

12/13/2019 Knighthead Funding Provides $19.1 Million Loan to Refinance Co-Op Apartment Portfolio—Multifamily Biz

Knighthead Funding LLC has provided a New York-based investor group with a $19.1 million senior loan to refinance a portfolio of 156 unsold co-op apartments in the Riverdale section of the Bronx, NY.
Read full story

12/13/2019 Salvation Army Senior Residence Becomes a Luxury Condo—Habitat

It’s a story that speaks volumes about the way we live now in New York City. The last senior citizens are moving out of the Salvation Army’s Williams Residence on the Upper West Side so the 15-story building, originally the Marcy Hotel, can be converted into luxury condominium apartments, the West Side Rag reports.
Read full story

12/13/2019 Condo applicants dogged by pet interview requests—Realty Biz News

As competition heats up among home buyers in an increasingly tight market, some condominium and co-op boards are demanding that pet owners subject their furry friends to an ‘interview’ to make sure they’re a good fit.
Read full story

12/13/2019 Southampton Trustees Consider Controversial Sand Dune Proposal To Save Condos—WSHU

Southampton Town Trustees will consider a proposal to install sandbags in a human-made dune to protect condominiums on the shoreline. Critics say the project will speed up soil erosion, but supporters warn that without the dune, buildings could fall into the ocean.
Read full story

12/13/2019 Despite Its Cyclical Nature, ‘Highs Are Higher’ in NYC Real Estate, Says Industry Veteran—Mansion Global

Richard Cantor, principal of Cantor Pecorella—a company that specializes in residential sales and rentals—has been in the real estate industry for more than four decades. Currently, his company is leading leasing for The Alyn, a high-end rental on Manhattan’s Upper East Side, as well as sales for Celeste Gramercy, a high-end condo building in Manhattan’s Gramercy neighborhood.
Read full story

12/13/2019 Gambino Mob Money Funneled To High Line Condos Exec: Report—Patch.com

A director behind a swanky condo complex rising near The High Line got cash and other bribes from the Gambino crime family's carpentry company, according to federal prosecutors and a report in The City.
Read full story

12/3/2019 Don’t Panic and Turn the Home You Can’t Sell Into a Rental—Mansion Global

Softening luxury markets throughout major U.S. metros have pushed average sales prices down for top-priced homes from the turbulent highs of a few years ago. The most expensive homes are taking longer to sell, leaving many luxury homeowners—from New York City to Los Angeles to Miami—sitting on their hands while their listing’s “days on market” ticks painfully up.
Read full story

12/3/2019 Why I’m sitting out the tax haven tango—Financial Times

Something strange is happening in Manhattan. My neighbours are yanking their tent-poles out of Park Avenue concrete and planting them amid the alligator swamps in the income-tax-free state of Florida.
Read full story

12/2/2019 New York legislature delivers Right-to-Charge law to Gov. Cuomo (Thanks Elon?)—Electrek

Back in June, New York’s legislature – the State Assembly & State Senate – passed a “Right-to-Charge” bill, which would prohibit condominiums, home-owners associations (HOAs) and the like from unreasonably restricting the installation of electric vehicle charging stations. The bill, however, sat there until yesterday, when it was finally delivered to the Governor for his signature.
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12/2/2019 Permits Filed For 30-90 Steinway Street In Astoria, Queens—New York YIMBY

Permits have been filed for a seven-story mixed-use building at 30-90 Steinway Street in Astoria, Queens. Located between 30th Avenue and 31st Avenue, the lot is six blocks west of the 46th Street subway station, serviced by the E, M, and R trains. John Budis under the Emmars Equities LLC is listed as the owner behind the applications.
Read full story

12/2/2019 NYC’s Condo Glut Gives Boost to Silverstein’s Lending Business—Bloomberg Quint

New York City’s struggling luxury condo market is providing a prominent developer with an opportunity to expand the lending unit it launched last year. Silverstein Properties Inc., looking to double its lending business to more than $1 billion in 2020, is eyeing so-called inventory loans in Manhattan neighborhoods like Gramercy, Tribeca and Midtown East, according to Michael May, president of Silverstein Capital Partners.
Read full story

12/2/2019 The two biggest headaches for New York condo insurers—Insurance Business Magazine

There are two huge issues that all New York condo insurers must grapple with. One is on the liability side; the other is on the property side.
Read full story

11/20/2019 These NYC Condos Let You Play Music Without Bothering Your Neighbors—Forbes

Working from home is becoming a common reality for many people, but it's hard to imagine a way for a musician to do so without bothering at least a few neighbors. At a few New York City developments, band practice is actually encouraged, with some buildings boasting everything from recording studios to a music-themed playroom.
Read full story

11/20/2019 Odd News: 2 condos converted into 18 micro apartments—The Grand Haven Tribune

Two Manhattan landlords took an unusual — and illegal — route to double their rentable space: cutting their two condos in half horizontally so they could rent out 18 tiny apartments in their Lower East Side building, according to the New York City Department of Buildings.
Read full story

11/20/2019 Standing on real estate gold, Manhattan synagogues seek to double as condos—The Times of Israel

One of the most active times of day at the West Side Jewish Center begins precisely at 1:40 p.m., when 60 or so middle-aged men trudge in, mutter through the afternoon prayer service with their coats on, maybe throw a couple dollars of charity into a metal cup and walk back to their jobs. The whole thing is over in about 15 minutes.
Read full story

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Recent Articles

Conflict in Client Communities

Get Out!

Manhattan Sales Prices Drop

'Bargain' Condos Selling Well...

Q&A: Subleasing a Co-op

Home A-Loan The Lowdown on Reverse Mortgages

Related Articles

Study: Most New Yorkers Are Shut Out of Buying a Home

Real Estate Investors and High Home Prices Are to Blame, Says Report

The Appraisal Process

Knowing Your Worth

Paying off Underlying Mortgages

The Pros & Cons

Comments

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