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Monthly Archives: May 2015

How a CEMA Can Save You Thousands in Mortgage Taxes

By Poulos LoPiccolo |

What is a CEMA? In New York State, refinancing a mortgage or purchasing a home triggers a mortgage tax. New York homeowners can reduce their tax liability with a Consolidation, Extension and Modification Agreement (“CEMA”). A CEMA consolidates the old, outstanding, mortgage debt and the new debt so you only pay taxes on the… Read More »

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