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Real Estate In-Depth, August 2017

How Will the National Consumer Assistance Plan Affect the Realtor, Client and the Entire Transaction?

 Irene Amato | August 2017

Knowledge Is Power:

The New York State Attorney General and the three credit reporting agencies initiated changes by a settlement agreement that resulted in the birth of an entity known as the “National Consumer Assistance Plan.” This new rule changes the way public records related to civil judgments and tax liens are reported on consumer credit reports.

Let me explain how this will affect the Realtor, the client and the entire transaction. One of the first steps in a real estate transaction is for the consumer to obtain a pre-qualification letter. This letter verifies that income, credit and assets have been reviewed and they meet underwriting criteria for a mortgage approval. Mortgage companies utilize a tri-merge credit report (TransUnion, Equifax and Experian) to check credit scores, credit history, judgments, tax liens and derogatory credit when checking the credit portion for the pre-qualification process. In the past loan originators would find inaccurate information reported regarding tax liens, civil judgments and derogatory credit. Prior to the enactment of the National Consumer Assistance Plan, removing civil judgments and tax liens that were in fact not the consumers was an extremely difficult and drawn out process, causing some consumers to withdraw from the housing market and others suffering unnecessary grief when obtaining mortgage financing.

Businessperson of the Year – Irene Amato, A.S.A.P. Mortgage Corp.



The Yorktown Chamber of Commerce Hosts “Best Of” Awards Cocktail Reception

 Yorktown, NY, April 27, 2017 – Join the Yorktown Chamber of Commerce as they host their “Best Of” Awards Cocktail Reception on Thursday, May 18, 2017 from 6:30pm to 9:30pm at Travelers Rest, 25 Saw Mill River Road, Ossining, New York 10562. The 2017 Honorees are: Businessperson of the Year – Irene Amato, A.S.A.P. Mortgage Corp.; Business of the Year – Yorktown Auto Body; Organization of the Year

– Yorktown Police Benevolent Association. Enjoy a “Great Gatsby” themed cocktail reception with fun activities all evening as the Chamber recognizes the honorees and their outstanding contributions to the community.

“It’s a great evening for all members to come together and enjoy each other’s company and network” said Eric DiBartolo, President of the Yorktown Chamber of Commerce. “Our members look forward to this event every year.”

Irene Amato is the Founder and President of A.S.A.P. Mortgage Corp., which was established in 2001. Irene built A.S.A.P. Mortgage Corp. from the ground up, and has surrounded herself with true professionals who share the same goal of providing clients with a unique boutique mortgage shopping experience. Today

A.S.A.P. Mortgage Corp. has four office locations providing a full array of mortgage products with the most competitive rates and top personalized service.  With over two decades of experience, Irene has become a leader in the mortgage industry and is heavily involved with the New York Association of Mortgage Brokers (NYAMB) Board of Directors, the legislative committee, and an advocate of continuing education for loan originators and realtors.

Yorktown Auto Body has had a presence in the community since 1953, providing expert automotive and towing services. Their continued tradition of caring attention and detail to cars in need of repair as well as meeting the owner’s specific requirements is what separates Yorktown Auto Body from other auto body repair businesses. State of the art technology and services to go along with continuous training has allowed Yorktown Auto Body to form a thriving partnership with their customers.

The Yorktown Police Benevolent Association was incorporated in 1966 with a mission to promote the good and welfare of the union, its members, and to support the goodwill of the community. The Yorktown PBA have sponsored or supported many community outreach programs which include The Alliance For Safe Kids, Toys for Tots, Swim Olympics, Child Fingerprinting, and the D.A.R.E. program. In addition to their community outreach and support, the Yorktown PBA provides annual financial contributions to national charities, and are currently planning for the future with workshops to help the community address issues of importance such as teen drinking, identity theft, and CPR.

Guests will enjoy cocktails, food stations, and passed hors d’oeuvres beginning at 6:30pm with live music. This year’s “Best of Awards” Cocktail Reception will be sponsored by House of Flowers, our Entertainment Sponsor, and Fieldhome who will be providing a special treat for everyone as our Thank You Gift Sponsor. Tickets are $85 per person. To reserve a seat at this year’s Celebration or to place an ad in the Virtual Journal to celebrate the 2017 Honorees, please call the Chamber Office at (914) 245-4599 or visit the Yorktown Chamber’s website:  For event questions, please contact

Events To Remember at 914-218-3968 or via e-mail at


Croton-on-Hudson, New York, January 12, 2017:  A.S.A.P. Mortgage Corp. will be celebrating the opening of their fourth Westchester County branch location at 125 Grand Street, Croton-on-Hudson, NY 10520 with an open house and ribbon cutting celebration on Thursday, February 9th at 11:00am. A.S.A.P. Mortgage Corp. will have the official ribbon cutting at 11:00am followed by some tasty treats and quality time with clients and friends.

“We are excited to be opening our fourth Westchester County branch office and expanding our team of seasoned mortgage professionals”, said Irene Amato, President of A.S.A.P. Mortgage Corp.  “We are bringing boutique mortgage shopping into the heart of the historic village of Croton-on-Hudson.  Consumers crave old fashion customer service and reliability when shopping for one of the largest investments of a lifetime.  At A.S.A.P. Mortgage, we pride ourselves on delivering a full array of mortgage products and the most competitive rates in the industry combined with our branded boutique style customer service.  I’m thrilled to be a part of such a wonderful close knit community that appreciates the value small businesses have to offer”, said Amato.

A.S.A.P. Mortgage Corp. was established in 2001 and is owned and operated by Irene Amato.  Amato began her career in the mortgage industry in 1996, and has become a top asset to the industry.  The company is currently licensed in New York, New Jersey, Connecticut, Massachusetts, Pennsylvania, and Florida, building a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders, and individual home buyers. Having established relationships with over 40 national specialty lenders throughout the United States, allows for A.S.A.P. Mortgage Corp. to offer their clients a full array of mortgage products with the most competitive rates in the industry.

A.S.A.P. Mortgage Corp has two offices in Cortlandt Manor, NY and one office in Yonkers, NY; and is open Monday through Friday from 9am – 5pm, and on Saturdays from 10am-2pm with evening and weekend hours available upon request.  For information about the ribbon cutting, please contact Events To Remember at 914-218-3968 or via e-mail at To learn more about about A.S.A.P. Mortgage Corp, please visit or call 914-736-ASAP.

Photos courtesy of A.S.A.P. Mortgage Corp.

Dulce Marie Nunez wins the "ROOKIE OF THE YEAR 2016" award from the National Association of Hispanic Real Estate Professionals, (NAHREP)

NAHREP Westchester Bronx chapter will be honoring Dulce Nunez at their Awards Gala November 10th, 2016. Dulce will be awarded the Rookie of the Year award. Dulce and the entire staff of A.S.A.P. Mortgage will be present to celebrate this amazing accomplishment.

“Rookie of The Year” is awarded to the professional that has established a five-star rating in a short period. This is a category for the rising top professional that brings a unique service drive and substance to the industry.

“To receive such an award doing what I love every day is a true blessing. What began as a job assisting the Hispanic community during the homebuying process has resulted in a gratifying lifetime career. To be able to deliver information to a consumer in a transparent manner enabling them to live out the American Dream is the true Honor here” says Nunez.

“A.S.A.P. Mortgage prides themselves on offering a variety of specialized services to the mortgage industry and Dulce Nunez is a tremendous addition to these services”  – Irene Amato, President

ASAP Mortgage Corp. 15 Years Strong and Growing!

Nov. 9, 2016 – ASAP Mortgage Corp. celebrated their 15 Year anniversary.

A.S.A.P. Mortgage Corp. was established in 2001. ASAP Mortgage is a proud recipient of the following awards 2013 HGAR “Affiliate of the Year”, 2013 NYAMB “Broker of the Year”, 2015 914INC “General Excellence”, 2015 “Best Mortgage Broker”, 2016 “Best Business Woman” in Westchester by Westchester Magazine. ASAP has a multitude of specialty lenders enabling them to offer clients a full array of mortgage products combined with exemplary service and the most competitive rates in the industry. Team ASAP is committed to researching all programs available to best suit the individual needs of our clientele. ASAP is licensed in NY, CT, NJ, PA, MA and FLA and offer bilingual services in all office locations. A.S.A.P. recognizes that purchasing a home is one of the largest investments of a lifetime. We at ASAP encourage you to research our company, as well as the individual licensed loan originator of your choice. Choosing the right team to represent you through the mortgage process is a key factor on the path to home ownership.

Irene Amato wins the "BEST BUSINESSWOMAN IN WESTCHESTER 2016" award from the Westchester Magazine Readers

Westchester County, NY – July 2016, Irene Amato, President and Owner of A.S.A.P. Mortgage Corp. was named by the Westchester’s Magazine as “The Best Businesswoman in Westchester 2016” by the Westchester Magazine Readers.  It all begins with an online ballot in January and more than 300,000 Westchester Magazine readers and 100,000 unique monthly visitors have the opportunity to vote for the people, places, and products they deem exceptional.

Featured Industry Leader: Irene Amato, President-Elect, NYAMB

National Mortgage Professional Magazine spoke with Amato about her trade association work and her professional endeavors.


Article by:  Phil Hall, managing editor of National Mortgage Professional Magazine

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To view all A.S.A.P. Mortgage Corp video’s CLICK HERE

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