Paul Singh | Daily Mortgage News & Insights

Buying a Condo? Review the Building, Not Just the Unit | October 20, 2026

Buying a Condo? Review the Building, Not Just the Unit | October 20, 2026

Buying a Condo? Review the Building, Not Just the Unit | October 20, 2026Paul Singh
Published on: 10/20/2026

Buying a condo? Review association finances, repairs and special assessments alongside your mortgage approval. Includes a five-question checklist and a practical ownership-cost example.

Stress-Test a Rental Before You Buy: Vacancy, Lower Rent and Repairs | October 19, 2026

Stress-Test a Rental Before You Buy: Vacancy, Lower Rent and Repairs | October 19, 2026

Stress-Test a Rental Before You Buy: Vacancy, Lower Rent and Repairs | October 19, 2026Paul Singh
Published on: 10/19/2026

Stress-test a rental before making an offer. Compare vacancy, lower rent and repair scenarios, then check when cash is needed—not just the annual total. Includes a practical investor checklist.

Second Home or Rental? Match the Mortgage to Your Plans | October 18, 2026

Second Home or Rental? Match the Mortgage to Your Plans | October 18, 2026

Second Home or Rental? Match the Mortgage to Your Plans | October 18, 2026Paul Singh
Published on: 10/18/2026

Buying a second home or rental? Learn why intended use matters, where DSCR financing fits, and what to review before making an offer. Includes a property-use checklist and budget example.

Using Business Funds to Buy a Home: Protect Your Operating Cash | October 17, 2026

Using Business Funds to Buy a Home: Protect Your Operating Cash | October 17, 2026

Using Business Funds to Buy a Home: Protect Your Operating Cash | October 17, 2026Paul Singh
Published on: 10/17/2026

Self-employed and buying a home? Review business withdrawals, operating cash, closing funds and lender documentation before moving money. Includes a practical checklist and hypothetical example.

DSCR Is Not Cash Flow: A Rental-Property Buyer’s Checklist | October 16, 2026

DSCR Is Not Cash Flow: A Rental-Property Buyer’s Checklist | October 16, 2026

DSCR Is Not Cash Flow: A Rental-Property Buyer’s Checklist | October 16, 2026Paul Singh
Published on: 10/16/2026

Compare a lender’s DSCR calculation with your rental-property budget. Paul Singh shares a practical example, open-house questions and free tools for investment-property buyers.

Your Appraisal-Readiness Checklist Before November 2 | October 15, 2026

Your Appraisal-Readiness Checklist Before November 2 | October 15, 2026

Your Appraisal-Readiness Checklist Before November 2 | October 15, 2026Paul Singh
Published on: 10/15/2026

Prepare for the November appraisal transition with Paul Singh’s practical checklist for buyers, Realtors and builders: property facts, permits, concessions, timing and lender questions.

In their own words

Real experiences. Personal guidance.

Selected five-star review excerpts about working with Paul. Explore the full histories on the original review platforms.

★★★★★
“Paul and his team (especially Tina Shah) are incredibly efficient, smart, patient, trustworthy, and capable.”

Gurudarshan Khalsa

Google review • Excerpt
Read Google reviews ↗

★★★★★
“Paul has been very helpful and he answered all our questions.”

Shanti Narvekar

Zillow • March 2017 • Excerpt
Review from Paul’s time at a previous firm.
Read Zillow reviews ↗

★★★★★
“Paul treated me like his own family member”

Bhupendra S

Experience.com profile • January 2025 • Excerpt
Read the review profile ↗

Ratings and counts checked October 14, 2026; they may change. Experience.com’s combined profile includes reviews imported from other platforms, so counts overlap and should not be added together. These are selected positive excerpts, not every review. Historical experiences do not guarantee approval, rates, terms or future results. Read each platform for the complete context.

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Paul Singh · Senior Mortgage Advisor · NMLS #406332
Petra Cephas Inc. · Company NMLS #1222300
(856) 503-9396 · [email protected]
Licensed in NJ, NY, PA, CT, TX and FL.

Petra Cephas Inc. · NMLS #1222300 · 6 Wills Way, Piscataway, NJ 08854.

MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER. Licensed by the New Jersey Department of Banking and Insurance. Petra Cephas arranges loans through third-party lenders and does not make mortgage commitments or fund loans.

Registered New York Mortgage Broker - All mortgage loans arranged with third party providers.

This is not a commitment to lend. All loans subject to approval. Programs, rates and terms are subject to change. Equal Housing Opportunity. Articles provide general information; eligibility and available terms depend on your individual circumstances.

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Texas consumer assistance: Texas Department of Savings and Mortgage Lending · 1-877-276-5550. Official complaint and recovery fund notices: mortgage company / mortgage banker. The applicable notice depends on the company’s Texas authorization. Company website.