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Tying It All Together


Since 1996

Ty Associates is a New York-based financial services firm that has been in business since 1996. We were created after years helping people file their income taxes. Ty Associates is pronounced like the word “tie” which represents my initials, Troy Youngblood and “associates” represents all of the people who work on our behalf to make everything move! Frankly, Ty Associates is the culmination of a dream.



We offer financial services that save you money


We are an accredited firm with the better business bureau. Credibility and trust are the foundation of our long-term success. Our goals are to build a long-term relationship with our clients. We want to know your name and personality, as opposed to just being a number in the files of a large business entity.

Personalized services combined with efficiency and value-for-your dollar are of paramount importance to us. Knowledge is power, we would love to share our knowledge with you to help empower you to get the most out of this life!


Value-for-the-dollar is the order of the day. Many consumers will take the time to get the best price for a product or service but will end up throwing much of their hard-earned money away.


 A person cooks food for their family, but much of the food goes in the garbage. The food goes in the garbage for many reasons. Commonly, the person who serves is unwilling and/or unable to properly measure the correct portions, therefore, the people are unable to clean their plates. The average family will throw away  food to serve additional people. This can be solved by the cook having full knowledge of all of the people that will be eating and can properly measure the number of ingredients to be cooked.

Let’s say, the cook measures “about” three cups of rice, but in reality, one or two cups less would have done the trick. Less is more! That bag of rice could last a family perhaps two-three weeks longer before the need for an additional purchase. The realized gains would be to reduce your annual grocery bill by 30% to 50%. Note: This common sense technique applies to laundry, cleaning supplies, cosmetics and toiletries, etc. Waste, fraud and Abuse is the 3-headed monster in governments and households, get your money’s worth.  A penny saved is a penny earned!

Ty Associates would love to speak with you

Five Categories of Shoppers

After multiple decades in business, I found that many customers/clients fall into five categories. What kind of client are you?


This is the customer that shops primarily on price. The cheaper, the better – regardless of quality. Oftentimes, you get what you pay for. Although there is some good value to be had with this approach. The cheapskate represents the overwhelming majority of consumers. Some fall into this category based on affordability, while others fall in this category in emergencies. They simply don’t need the expensive or larger size because they may be on vacation and just need something to get them by for that temporary time period.

About 45% of consumers are in this category.


Bargain Hunter


This is a person willing to spend but is willing to wait for the store to have their sales, discounts, rebates, reward points, and buy one get one free. This consumer will often patiently wait and save 25%, 35%, or even 50% then they will rake up on all of their desired items. The best months to buy a new car are in the last quarter of the year. October, November and December.

The auto manufacturers’ stop producing the current year cars on September 15th and begin production for next year’s models. The excess inventory must go to make room for the new models and prepare for the upcoming holiday season. Note: If you are lucky, some great bargains are to be had during clearance sales pertaining to clothing, electronics, food, etc. 

About 15% of consumers are in this category.


Value Shopper

This is the consumer that has a great idea of what they want and they look at the purchase for the short, mid, and long term. Buyers’ remorse is forbidden because they are willing to spend whatever it takes to get the desired results. The key is desired results. The purchase of a nice car, nice clothing, moving into that great neighborhood, great schools, etc.

About 25% of consumers are in this category.


Educated Consumer

This is the person who has inside knowledge of an industry, knows what the prices should be, and recognizes when both the product and the service are priced right. They will do their homework, ask critical questions, shop around, etc.

About 3% of consumers are in this category.


A master negotiator is someone who recognizes the entire situation, knows when something is overpriced and will challenge it. The great negotiators have leverage! Weak negotiators have absolutely no leverage but will continue to talk and waste time. Good negotiations have some give and take. When there is only one side with leverage or unequal leverage, there are no negotiations.

About 2% of consumers are in this category.


Vanity Shopper

This is the person who wants to be the first or only person in an elite group. They are the first to see the new movie, buy next year’s model car, travel to a desirable destination, get married, and have children. Sometimes, they are secretly or openly competing with family, friends, co-workers, keeping up with the Joneses, etc.

About 10% of consumers are in this category.


You have up to 2 years to make changes to a previously filed return

Mortgage Consultations

When you go to a bank or lending institution, their loan officers work for that organization. Therefore, they work in the best interest of the entity that pays them, but not necessarily for you. The coincidence of their organization’s policies and procedures, as well as industry standards, may work in your best interest. However, banks have a reputation for being cold-blooded. When everything is good, they are great, but if you have a financial misstep then, you may see the fangs masked under the smiles and professional demeanor.

The Ty Associates Difference

Ty Associates offers mortgage consulting so you can have someone on your side who answers to you, not the bank! Necessity is the mother of invention. Ty Associates offered mortgage consultations due to the financial crisis in 2007. Many of our clients as well as many Americans throughout the country had loans that were incorrect for them and we were called by some of our clients to help in these matters.

If a basketball team lost a game 105-83 then you discover that the losing team missed 20 shots, 10 free throws and had 8 turnovers. Therefore, 38 missed opportunities, if they had played a perfect game, those opportunities would have equated to an additional 66 points making the final score 149-105 which is now a 44 point blowout in reverse. Of course, this is fantasy, but more realistically, if the losing team was able to convert half of those missed opportunities, which converts to 33 points, which is more realistic. The final score becomes 116 to 105 an eleven point victory. Do you see how easily a losing position can be made better by taking advantage of all of your opportunities! Don’t missed the forest for all of the trees, just look at the photo that is above this text!



Avoiding Overwhelm

You must play chess and not checkers in this regard. You should always be at least two moves ahead and never get caught off-guard with anything throughout the process. In chess, we learn that a good opening can set the tone for great results. A home purchase is usually the biggest item most people will make in their lifetimes. Your realized gain can be a savings of $3,000-$4,000 per year on a 15-year mortgage which can equate to about $50,000 through the life of the loan, and well above $100,000 in actual savings if it is a 30-year mortgage.
See what your mortgage could cost

Payment Options

Our fee for services for each property starts at $1,500 and can rise to $5,000-$6,000 per property for multi-million dollar homes. Our fee will be pennies, in relation to the cost of your property, the ongoing consultations, and your realized gains in the long term. Our payment should be sent via FedEx, UPS, or U.S. priority mail (not regular first class mail). We will accept certified checks, cashier checks, and/or money orders only. Make payment to Ty Associates. Please call us to make detailed arrangements about your payment so absolutely no time is wasted on our business affairs.

Call today to get started at 914-667-4660 or toll-free at 800-219-4885.

Combinations to Get Into a New Home

Down Payment

Down payment is the amount of money that you put into the house, you may be unable and/or unwilling to buy the house outright so you may put a percentage down as a payment. If you make a 20% down payment, now you own 20% of the home and you are financing and/or paying for the remaining 80% over a specified period of time. Most people finance or mortgage property for 15 or 30 years. The greater the down payment the greater the ownership percentage of equity that you have in the property. Equity is the percentage and/or dollar value that you have in the home. Every time you make a payment, your payment is allocated where a certain percentage goes for the mortgage interest and a percentage goes on the principal (equity).

Debt-to-Income Ratio

Debt-to-income ratio is the percentage of what the house and overall debts total up every month. Ideally, it’s 28% of your gross income if you have wages or w-2’s, but if you have freelance or self-employment income, it is your net income. Your overall debts including the prospective house should be 36% to 43%. This means that no more than 43% of your total qualified income should not go toward debts. Everyone lives life in different ways. If no more than 43% of your income goes to debts, then, you will be able to handle life as it comes and the threat of foreclosure is greatly reduced.

The 28% of the house includes the mortgage, interest, property taxes, homeowners insurance, and the optional homeowner’s association fees. If these items add up to less than 28% of your income, then, you proceed to step two. If you have outstanding debts such as student loans, alimony, child support, mortgage, car note, etc., these add to your debt-to-income ratio. If these debts are scheduled to end in less than two years or 24 months, then, they don’t count against the debt-to-income ratio.

Credit Score

Credit score represents your ability to repay the loan. A good credit score is a score of approximately 620. A credit score that is below 620 may produce a higher interest rate. Conversely, a credit score that is considered A-plus may put you in a stronger negotiating position to get a slightly better interest rate. 

The 5 factors that your credit score is based on are: (1) Your payment history, this makes up 35% of your credit score. (2) The amount that you owe, this makes up 30% of your credit score. (3) The length of credit history, this makes up 15% of your credit score. (4) New credit, this makes up 10% of your credit score and (5) The credit mix, makes up 10% of your credit score. 

Credit and Character goes together, the prisons are filled with people with no credit and/or bad credit. No credit because they may have gone to prison at such a young age, before they understood it. How someone handles their money is a direct indicator of character, if they can’t handle their own money, guess what they will do with somebody else’s money. 

Don’t trust them!

Whether it’s dating, marriage, friendship, family, gambling, etc. 95% of the time these words will come to pass and be made true. 


Refer a friend to us and you can receive $250!


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If you’re interested in help with your mortgage, call our office at 914-667-4660, or get in touch.

Ty Associates
728 S 4th Ave
Mt. Vernon, NY 10550
Business Hours
Monday – Friday
9:00 AM to 7:00 PM
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Phone: 914-667-4660

Toll-Free Number: 800-219-4885


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