Tools and guidance for a smoother closing.
A reference library for buyers, sellers, lenders and partners — built to demystify the process and shorten the path to close.
Calculators & Tools
CEMA and fee estimate calculators for NY transactions.
ViewDownloads
Fee schedules, brochure and compliance documents.
ViewBuyer & Seller Guides
Plain-language walkthroughs of what to expect from open to record.
ViewFAQ
The vocabulary of title and settlement — common questions answered.
ViewRun the numbers before you close.
Mortgage & Closing Cost Calculators
Estimate your monthly payment, NY transfer taxes, title insurance premium and total buyer closing costs — all in one place, no login required.
Open CalculatorsNY CEMA Calculator
Compare premium and fee totals for a CEMA vs. a non-CEMA transaction side by side. Institutional clients with negotiated pricing receive a custom link after email authentication.
Authenticates via email — retail users go directly to the standard calculator.
Open CalculatorFee Estimate Calculator
Generate a good-faith estimate of title premiums, transfer taxes and settlement fees for your transaction. Requires an active EquityNET account.
EquityNET login required. No account? Register through the Client Portal.
Open CalculatorDocuments & fee schedules.
Answers to the questions we hear most.
What does an appraisal management company do?+
An AMC manages the appraisal process on behalf of a lender — selecting independent appraisers, performing quality control and ensuring regulatory compliance to deliver a credible valuation.
What is title insurance and why is it required?+
Title insurance protects against losses arising from defects in title — liens, encumbrances or ownership disputes — that pre-date the policy. Lender's policies are typically required; owner's policies are optional but strongly recommended.
How long does a typical closing take?+
Most refinance closings complete in 21–30 days; purchase closings vary based on inspections, financing and contingencies. ESS files are routinely closed faster than market average.
Do you offer remote online notarization?+
Yes — RON is available where state law permits, alongside in-person and mobile signing options.
What is a CEMA and when does it apply?+
A Consolidation, Extension and Modification Agreement (CEMA) allows a borrower in New York to consolidate an existing mortgage with a new one, paying mortgage recording tax only on the new money advanced — potentially saving thousands of dollars on a refinance.
How do I open a file with ESS?+
Contact us through the form on our Contact page, call (631) 370-1100, or email info@equitysettlement.com. Most files are opened the same business day.