July 2022
REALESTATEPLANNINGLAW.COM 718-698-2200
WE KEEP YOU ON THE RIGHT PATH
Collaborating for Our Clients INTRODUCING TIMOTHY OF CITYBROOK CORPORATION: HE’S YOUR MORTGAGE GUY IN A MANOR OF SPEAKING
pre-approvals, and all of the other facets of the mortgage business.
As real estate professionals and attorneys, it is a great comfort to have a close working relationship with a mortgage broker we trust to help us best serve our clients. Delivering the best experience for our clients is a team effort, and in working with Timothy Rail, a mortgage broker at Citybrook Corporation, we get the job done seamlessly. With 20 years of lending experience, Timothy is a seasoned professional, a trusted colleague of ours, and a great resource for anyone looking to purchase a home or refinance an existing mortgage. I first entered the mortgage industry 20 years ago, and I never thought in a million years that I’d still be working in this field today, helping clients to secure mortgage financing. After 9/11, I joined the New York City Fire Department in January 2002. Once I graduated and began working at the firehouse, I met Billy Hansen, who is the owner here at Citybrook Corporation, a mortgage brokerage in Staten Island, New York. Because he knew I had a background with numbers, as I previously worked at Spear Leeds and Kellogg for three years on the floor of the New York Stock Exchange, he offered me some extra work on the side, teaching me the business of purchase and refinance mortgages, mortgage
In the extent of my career as a mortgage broker, a few things have remained consistent — one being my relationship with both Ken Gonzalez, Esq. and John R. Merlino Jr., Esq., at Merlino & Gonzalez. We frequently work together on many New York and New Jersey real estate transactions, assisting mutual clients in the homebuying process from start to finish. I’ll handle the mortgage side of things for the buyers, from pre-approval to the file’s “clear to close,” and Merlino & Gonzalez will represent the client in the purchase transaction and handle the contracts, title work, and bank settlement. Having worked together for 20 years now, we have a great working relationship. Both of our companies are seamlessly aligned in that customer service is our top priority. We all focus on how we can work together to best serve our clients while openly communicating every step of the way. I’m proud to say that in all of the years I’ve worked with Merlino & Gonzalez, we’ve never had a single transaction together not reach the closing table. Citybrook Corporation has grown over the years, and we now work with over 20 different lenders on the wholesale channel. Hands down, my favorite aspect of my mortgage career is the ability to witness clients smiling, receiving their keys to their new dream home
at the closing table. I love walking my clients through the pre-approval process all the way through to the closing table. It’s invaluable to have great real estate attorneys — with a true passion for the job — working alongside me! -Timothy Rail Timothy continues working today as a partner and Mortgage Loan Officer (NMLS #: 12812) at Citybrook Corp. and currently serves the Fire Department of New York as captain of Engine 280 and Ladder 132 in the Crown Heights section of Brooklyn.
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