Skip to main content

Learning from a Mortgage Lender

Unvarnished advice for the prospective homeowner.

{From the 2024 Home & Lifestyle Magazine}

Tip #1: 

Discipline Decides

Saving requires prudence but having the discipline to save the thousands needed for the down payment on a home can seem utterly out of reach to young couples saddled with so many other expenses. While still paying off their student loans and wedding costs, it can be a strain to make monthly rent, utility, and car payments. Add-in numerous unsecured debts (i.e. credit card bills) and saving for a home can appear impossible.

Begin your saving journey by spending a few months examining your expenses. By knowing what you are spending your money on, you can prioritize and decide what is important to you, advises Matt Harrison, Vice President of Residential Lending at the Adirondack Trust Company. 

Tip #2: 

Stalk Your Credit Score

Although it varies by lender, mortgage qualification criteria typically compare total income to total debt held by those looking to buy a home. 

The algorithms deriving your credit score are intuitive and complex, said Matt. The standard model examines your 12-month credit history. Those with a credit score of 750+ get the best pricing on a mortgage, but a minimum 620 score is needed to qualify. 

Showing good financial judgement and avoiding potential risks often means having at least three, but usually less than six, “tradelines” (which represent credit accounts like car loans and credit cards).  Shopping around with several lenders is advisable because they operate on different business models and may be able to offer you different interest rates. Having multiple mortgage lenders investigate your credit score will not damage, or lower, your score with consumer reporting companies.

Tip #3:

Dispel Urban Myths

Having a financial partner that will sort fact from fiction, who offers upfront education on costs, and answers commonly asked questions is the fastest way to get through all the stages of the mortgage process. 

“I’m absolutely in favor of home buyers seeking any opportunities out there, but really do your research,” urges Matt. For example, while they can appear extremely appealing on the surface, it’s important to know that first-time home buyer grants from independent and nonprofit organizations or municipalities may require repayment in the future. 

Despite the common misconception that getting a great deal is all about who you know, even in a small town, personal relationship status and letters of recommendation do not factor into your likelihood of getting approved for a mortgage. 

Tip #4:

Consider ALL the Costs

Online cost calculators are a tool that must be carefully considered. While they can give you an approximate indication of what your future monthly payments may be, their accuracy is dependent on how robustly they’re built - some don’t consider your state’s tax rate, for instance. In New York State, the mortgage tax is equal to three-quarters of one percent of the total amount borrowed (on a $100,000 loan, that’s $750 in taxes). 

Other expenses incurred with the purchase of a home also need to be factored into the total price. These include closing costs, a home inspection, and attorney fees. 

Because interest rates are driven by supply and demand in the housing market, rates fluctuate often. The prequalification process can be started online, or by appointment, and the response to your loan application often comes back the same day. The interest rate applied when you entered into your contract is locked for 60 – 90 days. 

Tip #5:

All loans (and lenders) are not equal

The pricing and parameters of mortgages vary by lender but also by the intended purpose of the property you hope to acquire. 

If it will be used as an investment property rather than owner-occupied housing, the amount needed for a down payment raises from as little as 3% to 20-25% of the purchase price. The terms change because, historically, investment loans are inherently riskier. 

“Knowledge is power, so speaking with a lender as early as possible and getting a good understanding of the process is important,” said Matt. “We have a good product, but I believe service is the best reason to go with Adirondack Trust. We give you the information you need at the start, but we also service all our loans (rather than selling them off to another entity) so we continue to be your local resource long after the closing.”

For more information, go to adirondacktrust.com/MORTGAGE/Financing-Options

7.876MBMemory Usage86.61msRequest Duration
Joomla! Version4.4.13
PHP Version8.3.21
Identityguest
Response200
Templateyootheme
Database
Server
mysql
Version
8.0.42
Collation
utf8mb3_unicode_ci
Conn Collation
utf8mb4_0900_ai_ci
$_GET
array:3 [ "catid" => "9" "id" => "667" "view" => "article" ]
$_POST
[]
$_SESSION
array:1 [ "joomla" => "***redacted***" ]
$_COOKIE
[]
$_SERVER
array:74 [ "USER" => "fivetowers" "HOME" => "/home/fivetowers" "SCRIPT_NAME" => "/index.php" ...
session
array:3 [ "counter" => 1 "timer" => array:3 [ "start" => 1748898324 "last" => 1748898324...
registry
array:3 [ "data" => [] "initialized" => false "separator" => "." ]
user
array:18 [ "id" => 0 "name" => null "username" => null "email" => null "password" => "***r...
  • afterLoad (444.76KB) (1.84ms)
  • afterInitialise (1.96MB) (21.35ms)
  • afterRoute (376.18KB) (4.15ms)
  • beforeRenderComponent com_content (50.22KB) (784μs)
  • Before Access::preloadComponents (all components) (47.72KB) (1.42ms)
  • After Access::preloadComponents (all components) (119.86KB) (755μs)
  • Before Access::preloadPermissions (com_content) (1.63KB) (13μs)
  • After Access::preloadPermissions (com_content) (514.55KB) (1.16ms)
  • Before Access::getAssetRules (id:838 name:com_content.article.667) (18.65KB) (39μs)
  • After Access::getAssetRules (id:838 name:com_content.article.667) (7.38KB) (84μs)
  • afterRenderComponent com_content (1.52MB) (30.19ms)
  • afterDispatch (29.42KB) (974μs)
  • beforeRenderRawModule mod_finder () (387.96KB) (9.66ms)
  • afterRenderRawModule mod_finder () (1.95MB) (4.76ms)
  • beforeRenderModule mod_finder () (704B) (5μs)
  • afterRenderModule mod_finder () (1.44KB) (142μs)
  • beforeRenderRawModule mod_menu () (1.66KB) (116μs)
  • afterRenderRawModule mod_menu () (56.48KB) (2.25ms)
  • beforeRenderModule mod_menu () (696B) (5μs)
  • afterRenderModule mod_menu () (3.63KB) (107μs)
  • beforeRenderRawModule mod_custom () (920B) (83μs)
  • afterRenderRawModule mod_custom () (318.7KB) (1.14ms)
  • beforeRenderModule mod_custom () (704B) (4μs)
  • afterRenderModule mod_custom () (3.15KB) (56μs)
  • beforeRenderRawModule mod_menu () (24B) (73μs)
  • afterRenderRawModule mod_menu () (552B) (387μs)
  • beforeRenderModule mod_menu () (696B) (4μs)
  • afterRenderModule mod_menu () (2.76KB) (60μs)
  • beforeRenderRawModule mod_custom () (920B) (55μs)
  • afterRenderRawModule mod_custom () (1.03KB) (135μs)
  • beforeRenderModule mod_custom () (704B) (2μs)
  • afterRenderModule mod_custom () (1.23KB) (71μs)
  • beforeRenderRawModule mod_menu () (1.8KB) (79μs)
  • afterRenderRawModule mod_menu () (4.45KB) (391μs)
  • beforeRenderModule mod_menu () (696B) (3μs)
  • afterRenderModule mod_menu () (1.34KB) (67μs)
  • beforeRenderRawModule mod_finder () (96B) (7μs)
  • afterRenderRawModule mod_finder () (6.95KB) (525μs)
  • beforeRenderModule mod_finder () (704B) (4μs)
  • afterRenderModule mod_finder () (1.34KB) (71μs)
  • beforeRenderRawModule mod_custom () (288B) (8μs)
  • afterRenderRawModule mod_custom () (912B) (129μs)
  • beforeRenderModule mod_custom () (704B) (3μs)
  • afterRenderModule mod_custom () (1.23KB) (54μs)
  • beforeRenderRawModule mod_custom () (6.27KB) (147μs)
  • afterRenderRawModule mod_custom () (1008B) (137μs)
  • beforeRenderModule mod_custom () (704B) (3μs)
  • afterRenderModule mod_custom () (2.77KB) (47μs)
  • beforeRenderRawModule mod_custom () (472B) (57μs)
  • afterRenderRawModule mod_custom () (1008B) (112μs)
  • beforeRenderModule mod_custom () (704B) (2μs)
  • afterRenderModule mod_custom () (2.43KB) (42μs)
  • afterRender (283.17KB) (2.47ms)
  • 1 x afterRenderComponent com_content (1.52MB) (34.86%)
    30.19ms
    1 x afterInitialise (1.96MB) (24.65%)
    21.35ms
    1 x beforeRenderRawModule mod_finder () (387.96KB) (11.15%)
    9.66ms
    1 x afterRenderRawModule mod_finder () (1.95MB) (5.49%)
    4.76ms
    1 x afterRoute (376.18KB) (4.8%)
    4.15ms
    1 x afterRender (283.17KB) (2.85%)
    2.47ms
    1 x afterRenderRawModule mod_menu () (56.48KB) (2.6%)
    2.25ms
    1 x afterLoad (444.76KB) (2.12%)
    1.84ms
    1 x Before Access::preloadComponents (all components) (47.72KB) (1.64%)
    1.42ms
    1 x After Access::preloadPermissions (com_content) (514.55KB) (1.34%)
    1.16ms
    1 x afterRenderRawModule mod_custom () (318.7KB) (1.32%)
    1.14ms
    1 x afterDispatch (29.42KB) (1.12%)
    974μs
    1 x beforeRenderComponent com_content (50.22KB) (0.91%)
    784μs
    1 x After Access::preloadComponents (all components) (119.86KB) (0.87%)
    755μs
    1 x afterRenderRawModule mod_finder () (6.95KB) (0.61%)
    525μs
    1 x afterRenderRawModule mod_menu () (4.45KB) (0.45%)
    391μs
    1 x afterRenderRawModule mod_menu () (552B) (0.45%)
    387μs
    2 x afterRenderRawModule mod_custom () (1008B) (0.29%)
    249μs
    1 x beforeRenderRawModule mod_custom () (6.27KB) (0.17%)
    147μs
    1 x afterRenderModule mod_finder () (1.44KB) (0.16%)
    142μs
    2 x beforeRenderRawModule mod_custom () (920B) (0.16%)
    138μs
    1 x afterRenderRawModule mod_custom () (1.03KB) (0.16%)
    135μs
    1 x afterRenderRawModule mod_custom () (912B) (0.15%)
    129μs
    2 x afterRenderModule mod_custom () (1.23KB) (0.14%)
    125μs
    1 x beforeRenderRawModule mod_menu () (1.66KB) (0.13%)
    116μs
    1 x afterRenderModule mod_menu () (3.63KB) (0.12%)
    107μs
    1 x After Access::getAssetRules (id:838 name:com_content.article.667) (7.38KB) (0.1%)
    84μs
    1 x beforeRenderRawModule mod_menu () (1.8KB) (0.09%)
    79μs
    1 x beforeRenderRawModule mod_menu () (24B) (0.08%)
    73μs
    1 x afterRenderModule mod_finder () (1.34KB) (0.08%)
    71μs
    1 x afterRenderModule mod_menu () (1.34KB) (0.08%)
    67μs
    1 x afterRenderModule mod_menu () (2.76KB) (0.07%)
    60μs
    1 x beforeRenderRawModule mod_custom () (472B) (0.07%)
    57μs
    1 x afterRenderModule mod_custom () (3.15KB) (0.06%)
    56μs
    1 x afterRenderModule mod_custom () (2.77KB) (0.05%)
    47μs
    1 x afterRenderModule mod_custom () (2.43KB) (0.05%)
    42μs
    1 x Before Access::getAssetRules (id:838 name:com_content.article.667) (18.65KB) (0.04%)
    39μs
    5 x beforeRenderModule mod_custom () (704B) (0.02%)
    14μs
    1 x Before Access::preloadPermissions (com_content) (1.63KB) (0.02%)
    13μs
    3 x beforeRenderModule mod_menu () (696B) (0.01%)
    12μs
    2 x beforeRenderModule mod_finder () (704B) (0.01%)
    9μs
    1 x beforeRenderRawModule mod_custom () (288B) (0.01%)
    8μs
    1 x beforeRenderRawModule mod_finder () (96B) (0.01%)
    7μs
54 statements were executed, 5 of which were duplicates, 49 unique11.16ms889.33KB
  • SELECT @@SESSION.sql_mode;78μs968B/libraries/vendor/joomla/database/src/Mysqli/MysqliDriver.php:334Copy
  • SELECT `data` FROM `jos_session` WHERE `session_id` = ?119μs1008BParams/libraries/vendor/joomla/session/src/Handler/DatabaseHandler.php:261Copy
  • SELECT `session_id` FROM `jos_session` WHERE `session_id` = :session_id LIMIT 156μs1.3KBParams/libraries/src/Session/MetadataManager.php:187Copy
  • INSERT INTO `jos_session` (`session_id`,`guest`,`time`,`userid`,`username`,`client_id`) VALUES (:session_id, :guest, :time, :user_id, :username, :client_id)218μs944BParams/libraries/src/Session/MetadataManager.php:260Copy
  • SELECT `id`,`rules` FROM `jos_viewlevels`97μs976B/libraries/src/Access/Access.php:955Copy
  • SELECT `b`.`id` FROM `jos_usergroups` AS `a` LEFT JOIN `jos_usergroups` AS `b` ON `b`.`lft` <= `a`.`lft` AND `b`.`rgt` >= `a`.`rgt` WHERE `a`.`id` = :guest175μs1.33KBParams/libraries/src/Access/Access.php:868Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_k2" AND e.type = "component"123μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_virtuemart" AND e.type = "component"74μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_easyblog" AND e.type = "component"66μs1.13KB/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_jomclassifieds" AND e.type = "component"61μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_hikashop" AND e.type = "component"62μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_rseventspro" AND e.type = "component"84μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_zoo" AND e.type = "component"83μs536B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_jticketing" AND e.type = "component"66μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_icagenda" AND e.type = "component"66μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_eventbooking" AND e.type = "component"61μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_eshop" AND e.type = "component"59μs1.76KB/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_rsblog" AND e.type = "component"65μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_mijovideos" AND e.type = "component"62μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_opencart" AND e.type = "component"66μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_jcart" AND e.type = "component"60μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_djclassifieds" AND e.type = "component"62μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_j2store" AND e.type = "component"65μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_phocacart" AND e.type = "component"63μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_jshopping" AND e.type = "component"62μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_igallery" AND e.type = "component"62μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SELECT e.enabled FROM jos_extensions AS e WHERE e.element = "com_dpcalendar" AND e.type = "component"62μs520B/administrator/components/com_tagz/helpers/tagz.php:890Copy
  • SHOW FULL COLUMNS FROM `jos_tagz_config`540μs1.3KB/libraries/vendor/joomla/database/src/Mysqli/MysqliDriver.php:625Copy
  • SELECT * FROM `jos_tagz_config` WHERE `name` = 'config'82μs592B/libraries/src/Table/Table.php:755Copy
  • SELECT id,template FROM jos_template_styles WHERE client_id=0 AND home=1113μs592B/administrator/components/com_widgetkit/widgetkit.php:28Copy
  • SELECT custom_data FROM jos_extensions WHERE element = 'yooessentials' AND folder = 'system'90μs536B/plugins/system/yooessentials/helper.php:153Copy
  • SELECT custom_data FROM jos_extensions WHERE element = 'yooessentials' AND folder = 'system' LIMIT 189μs536B/plugins/system/yooessentials/modules/platform-joomla/src/Database.php:52Copy
  • SELECT `id`,`name`,`rules`,`parent_id` FROM `jos_assets` WHERE `name` IN (:preparedArray1,:preparedArray2,:preparedArray3,:preparedArray4,:preparedArray5,:preparedArray6,:preparedArray7,:preparedArray8,:preparedArray9,:preparedArray10,:preparedArray11,:preparedArray12,:preparedArray13,:preparedArray14,:preparedArray15,:preparedArray16,:preparedArray17,:preparedArray18,:preparedArray19,:preparedArray20,:preparedArray21,:preparedArray22,:preparedArray23,:preparedArray24,:preparedArray25,:preparedArray26,:preparedArray27,:preparedArray28,:preparedArray29,:preparedArray30,:preparedArray31,:preparedArray32,:preparedArray33,:preparedArray34,:preparedArray35,:preparedArray36,:preparedArray37,:preparedArray38,:preparedArray39,:preparedArray40,:preparedArray41)357μs9.94KBParams/libraries/src/Access/Access.php:357Copy
  • SELECT `id`,`name`,`rules`,`parent_id` FROM `jos_assets` WHERE `name` LIKE :asset OR `name` = :extension OR `parent_id` = 0502μs49.48KBParams/libraries/src/Access/Access.php:301Copy
  • SHOW FULL COLUMNS FROM `jos_content`508μs1.77KB/libraries/vendor/joomla/database/src/Mysqli/MysqliDriver.php:625Copy
  • UPDATE `jos_content` SET `hits` = (`hits` + 1) WHERE `id` = '667'344μs48B/libraries/src/Table/Table.php:1325Copy
  • SELECT `a`.`id`,`a`.`asset_id`,`a`.`title`,`a`.`alias`,`a`.`introtext`,`a`.`fulltext`,`a`.`state`,`a`.`catid`,`a`.`created`,`a`.`created_by`,`a`.`created_by_alias`,`a`.`modified`,`a`.`modified_by`,`a`.`checked_out`,`a`.`checked_out_time`,`a`.`publish_up`,`a`.`publish_down`,`a`.`images`,`a`.`urls`,`a`.`attribs`,`a`.`version`,`a`.`ordering`,`a`.`metakey`,`a`.`metadesc`,`a`.`access`,`a`.`hits`,`a`.`metadata`,`a`.`featured`,`a`.`language`,`fp`.`featured_up`,`fp`.`featured_down`,`c`.`title` AS `category_title`,`c`.`alias` AS `category_alias`,`c`.`access` AS `category_access`,`c`.`language` AS `category_language`,`fp`.`ordering`,`u`.`name` AS `author`,`parent`.`title` AS `parent_title`,`parent`.`id` AS `parent_id`,`parent`.`path` AS `parent_route`,`parent`.`alias` AS `parent_alias`,`parent`.`language` AS `parent_language`,ROUND(`v`.`rating_sum` / `v`.`rating_count`, 1) AS `rating`,`v`.`rating_count` AS `rating_count` FROM `jos_content` AS `a` INNER JOIN `jos_categories` AS `c` ON `c`.`id` = `a`.`catid` LEFT JOIN `jos_content_frontpage` AS `fp` ON `fp`.`content_id` = `a`.`id` LEFT JOIN `jos_users` AS `u` ON `u`.`id` = `a`.`created_by` LEFT JOIN `jos_categories` AS `parent` ON `parent`.`id` = `c`.`parent_id` LEFT JOIN `jos_content_rating` AS `v` ON `a`.`id` = `v`.`content_id` WHERE ( (`a`.`id` = :pk AND `c`.`published` > 0) AND (`a`.`publish_up` IS NULL OR `a`.`publish_up` <= :publishUp)) AND (`a`.`publish_down` IS NULL OR `a`.`publish_down` >= :publishDown) AND `a`.`state` IN (:preparedArray1,:preparedArray2)379μs46.13KBParams/components/com_content/src/Model/ArticleModel.php:215Copy
  • SELECT `c`.`id`,`c`.`asset_id`,`c`.`access`,`c`.`alias`,`c`.`checked_out`,`c`.`checked_out_time`,`c`.`created_time`,`c`.`created_user_id`,`c`.`description`,`c`.`extension`,`c`.`hits`,`c`.`language`,`c`.`level`,`c`.`lft`,`c`.`metadata`,`c`.`metadesc`,`c`.`metakey`,`c`.`modified_time`,`c`.`note`,`c`.`params`,`c`.`parent_id`,`c`.`path`,`c`.`published`,`c`.`rgt`,`c`.`title`,`c`.`modified_user_id`,`c`.`version`, CASE WHEN CHAR_LENGTH(`c`.`alias`) != 0 THEN CONCAT_WS(':', `c`.`id`, `c`.`alias`) ELSE `c`.`id` END as `slug` FROM `jos_categories` AS `s` INNER JOIN `jos_categories` AS `c` ON (`s`.`lft` <= `c`.`lft` AND `c`.`lft` < `s`.`rgt`) OR (`c`.`lft` < `s`.`lft` AND `s`.`rgt` < `c`.`rgt`) WHERE (`c`.`extension` = :extension OR `c`.`extension` = 'system') AND `c`.`access` IN (:preparedArray1,:preparedArray2) AND `c`.`published` = 1 AND `s`.`id` = :id ORDER BY `c`.`lft`272μs3.91KBParams/libraries/src/Categories/Categories.php:375Copy
  • SELECT `m`.`tag_id`,`t`.* FROM `jos_contentitem_tag_map` AS `m` INNER JOIN `jos_tags` AS `t` ON `m`.`tag_id` = `t`.`id` WHERE `m`.`type_alias` = :contentType AND `m`.`content_item_id` = :id AND `t`.`published` = 1 AND `t`.`access` IN (:preparedArray1,:preparedArray2)194μs3.97KBParams/libraries/src/Helper/TagsHelper.php:388Copy
  • SELECT `c`.`id`,`c`.`asset_id`,`c`.`access`,`c`.`alias`,`c`.`checked_out`,`c`.`checked_out_time`,`c`.`created_time`,`c`.`created_user_id`,`c`.`description`,`c`.`extension`,`c`.`hits`,`c`.`language`,`c`.`level`,`c`.`lft`,`c`.`metadata`,`c`.`metadesc`,`c`.`metakey`,`c`.`modified_time`,`c`.`note`,`c`.`params`,`c`.`parent_id`,`c`.`path`,`c`.`published`,`c`.`rgt`,`c`.`title`,`c`.`modified_user_id`,`c`.`version`, CASE WHEN CHAR_LENGTH(`c`.`alias`) != 0 THEN CONCAT_WS(':', `c`.`id`, `c`.`alias`) ELSE `c`.`id` END as `slug` FROM `jos_categories` AS `s` INNER JOIN `jos_categories` AS `c` ON (`s`.`lft` <= `c`.`lft` AND `c`.`lft` < `s`.`rgt`) OR (`c`.`lft` < `s`.`lft` AND `s`.`rgt` < `c`.`rgt`) WHERE (`c`.`extension` = :extension OR `c`.`extension` = 'system') AND `c`.`access` IN (:preparedArray1,:preparedArray2) AND `c`.`published` = 1 AND `s`.`id` = :id ORDER BY `c`.`lft`258μs3.91KBParams/libraries/src/Categories/Categories.php:375Copy
  • SELECT DISTINCT a.id, a.title, a.name, a.checked_out, a.checked_out_time, a.note, a.state, a.access, a.created_time, a.created_user_id, a.ordering, a.language, a.fieldparams, a.params, a.type, a.default_value, a.context, a.group_id, a.label, a.description, a.required, a.only_use_in_subform,l.title AS language_title, l.image AS language_image,uc.name AS editor,ag.title AS access_level,ua.name AS author_name,g.title AS group_title, g.access as group_access, g.state AS group_state, g.note as group_note FROM jos_fields AS a LEFT JOIN `jos_languages` AS l ON l.lang_code = a.language LEFT JOIN jos_users AS uc ON uc.id=a.checked_out LEFT JOIN jos_viewlevels AS ag ON ag.id = a.access LEFT JOIN jos_users AS ua ON ua.id = a.created_user_id LEFT JOIN jos_fields_groups AS g ON g.id = a.group_id LEFT JOIN `jos_fields_categories` AS fc ON fc.field_id = a.id WHERE ( (`a`.`context` = :context AND (`fc`.`category_id` IS NULL OR `fc`.`category_id` IN (:preparedArray1,:preparedArray2)) AND `a`.`access` IN (:preparedArray3,:preparedArray4)) AND (`a`.`group_id` = 0 OR `g`.`access` IN (:preparedArray5,:preparedArray6)) AND `a`.`state` = :state) AND (`a`.`group_id` = 0 OR `g`.`state` = :gstate) AND `a`.`only_use_in_subform` = :only_use_in_subform ORDER BY a.ordering ASC316μs4.75KBParams/libraries/src/MVC/Model/BaseDatabaseModel.php:166Copy
  • SELECT `a`.`id`,`a`.`title`,`a`.`catid`,`a`.`language`, CASE WHEN CHAR_LENGTH(`a`.`alias`) != 0 THEN CONCAT_WS(':', `a`.`id`, `a`.`alias`) ELSE a.id END AS `slug`, CASE WHEN CHAR_LENGTH(`cc`.`alias`) != 0 THEN CONCAT_WS(':', `cc`.`id`, `cc`.`alias`) ELSE cc.id END AS `catslug` FROM `jos_content` AS `a` LEFT JOIN `jos_categories` AS `cc` ON `cc`.`id` = `a`.`catid` WHERE `a`.`catid` = :catid AND `a`.`state` = :state AND `a`.`access` IN (:preparedArray1,:preparedArray2) AND (`publish_up` IS NULL OR `publish_up` <= :nowDate1) AND (`publish_down` IS NULL OR `publish_down` >= :nowDate2) ORDER BY CASE WHEN `a`.`publish_up` IS NULL THEN `a`.`created` ELSE `a`.`publish_up` END DESC2.01ms21.72KBParams/plugins/content/pagenavigation/src/Extension/PageNavigation.php:188Copy
  • SELECT `c`.`id`,`c`.`asset_id`,`c`.`access`,`c`.`alias`,`c`.`checked_out`,`c`.`checked_out_time`,`c`.`created_time`,`c`.`created_user_id`,`c`.`description`,`c`.`extension`,`c`.`hits`,`c`.`language`,`c`.`level`,`c`.`lft`,`c`.`metadata`,`c`.`metadesc`,`c`.`metakey`,`c`.`modified_time`,`c`.`note`,`c`.`params`,`c`.`parent_id`,`c`.`path`,`c`.`published`,`c`.`rgt`,`c`.`title`,`c`.`modified_user_id`,`c`.`version`, CASE WHEN CHAR_LENGTH(`c`.`alias`) != 0 THEN CONCAT_WS(':', `c`.`id`, `c`.`alias`) ELSE `c`.`id` END as `slug` FROM `jos_categories` AS `s` INNER JOIN `jos_categories` AS `c` ON (`s`.`lft` <= `c`.`lft` AND `c`.`lft` < `s`.`rgt`) OR (`c`.`lft` < `s`.`lft` AND `s`.`rgt` < `c`.`rgt`) WHERE (`c`.`extension` = :extension OR `c`.`extension` = 'system') AND `c`.`access` IN (:preparedArray1,:preparedArray2) AND `c`.`published` = 1 AND `s`.`id` = :id ORDER BY `c`.`lft`271μs3.91KBParams/libraries/src/Categories/Categories.php:375Copy
  • SELECT `m`.`id`,`m`.`title`,`m`.`module`,`m`.`position`,`m`.`content`,`m`.`showtitle`,`m`.`params`,`mm`.`menuid` FROM `jos_modules` AS `m` LEFT JOIN `jos_modules_menu` AS `mm` ON `mm`.`moduleid` = `m`.`id` LEFT JOIN `jos_extensions` AS `e` ON `e`.`element` = `m`.`module` AND `e`.`client_id` = `m`.`client_id` WHERE ( ( (`m`.`published` = 1 AND `e`.`enabled` = 1 AND `m`.`client_id` = :clientId AND `m`.`access` IN (:preparedArray1,:preparedArray2)) AND (`m`.`publish_up` IS NULL OR `m`.`publish_up` <= :publishUp)) AND (`m`.`publish_down` IS NULL OR `m`.`publish_down` >= :publishDown)) AND (`mm`.`menuid` = :itemId OR `mm`.`menuid` <= 0) ORDER BY `m`.`position`,`m`.`ordering`934μs19.06KBParams/libraries/src/Cache/Controller/CallbackController.php:120Copy
  • SELECT `params` FROM `jos_tagz` WHERE `component_id` = 122 AND `component_type` = "menu"165μs520B/plugins/system/tagz/tagz.php:650Copy
  • SELECT `params` FROM `jos_tagz` WHERE `component_id` = 667 AND `component_type` = "content"112μs520B/plugins/system/tagz/tagz.php:650Copy
  • SELECT `name`,`element` FROM `jos_extensions` WHERE `type` = 'plugin' AND `folder` = 'finder' AND `enabled` = 1174μs592B/administrator/components/com_finder/src/Helper/LanguageHelper.php:135Copy
  • SELECT `title` FROM `jos_finder_taxonomy` WHERE `parent_id` = 1 AND `state` = 1 AND `access` IN (1,5)120μs584B/administrator/components/com_finder/src/Indexer/Taxonomy.php:314Copy
  • SELECT custom_data FROM jos_extensions WHERE element = 'yootheme' AND folder = 'system' LIMIT 1354μs688.52KB/templates/yootheme/packages/platform-joomla/src/Storage.php:30Copy
  • SELECT DISTINCT a.id, a.title, a.name, a.checked_out, a.checked_out_time, a.note, a.state, a.access, a.created_time, a.created_user_id, a.ordering, a.language, a.fieldparams, a.params, a.type, a.default_value, a.context, a.group_id, a.label, a.description, a.required, a.only_use_in_subform,l.title AS language_title, l.image AS language_image,uc.name AS editor,ag.title AS access_level,ua.name AS author_name,g.title AS group_title, g.access as group_access, g.state AS group_state, g.note as group_note FROM jos_fields AS a LEFT JOIN `jos_languages` AS l ON l.lang_code = a.language LEFT JOIN jos_users AS uc ON uc.id=a.checked_out LEFT JOIN jos_viewlevels AS ag ON ag.id = a.access LEFT JOIN jos_users AS ua ON ua.id = a.created_user_id LEFT JOIN jos_fields_groups AS g ON g.id = a.group_id WHERE ( (`a`.`context` = :context AND `a`.`access` IN (:preparedArray1,:preparedArray2)) AND (`a`.`group_id` = 0 OR `g`.`access` IN (:preparedArray3,:preparedArray4)) AND `a`.`state` = :state) AND (`a`.`group_id` = 0 OR `g`.`state` = :gstate) AND `a`.`only_use_in_subform` = :only_use_in_subform ORDER BY a.ordering ASC269μs4.06KBParams/libraries/src/MVC/Model/BaseDatabaseModel.php:166Copy
  • SELECT `title` FROM `jos_finder_taxonomy` WHERE `parent_id` = 1 AND `state` = 1 AND `access` IN (1,5)131μs584B/administrator/components/com_finder/src/Indexer/Taxonomy.php:314Copy
  • SELECT SUM(CASE WHEN `a`.`next_execution` <= :now THEN 1 ELSE 0 END) AS due_count,SUM(CASE WHEN `a`.`locked` IS NULL THEN 0 ELSE 1 END) AS locked_count FROM `jos_scheduler_tasks` AS `a` WHERE `a`.`state` = 1111μs1.37KBParams/administrator/components/com_scheduler/src/Model/TasksModel.php:517Copy
  • SELECT `session_id` FROM `jos_session` WHERE `session_id` = ?69μs1KBParams/libraries/vendor/joomla/session/src/Handler/DatabaseHandler.php:291Copy
  • UPDATE `jos_session` SET `data` = ? , `time` = ? WHERE `session_id` = ?222μs592BParams/libraries/vendor/joomla/session/src/Handler/DatabaseHandler.php:318Copy