Getting a pre-approval for a home mortgage is the first and most important step of the home buying process. When you get your first pre-approval letter from a home lender, you are on your way to home ownership.
First, you will need to know how much you can get a home loan for. Knowing what houses are in your budget narrows down what kind of listings your local realter will be showing you.
Your loan estimate from your home lender will show how much cash is required for the down payment and closing costs on your new property choice. You may need to save up money for awhile longer, sell other assets or seek other funding solutions. No matter the scenario, you’ll be better prepared to pick your home and buy it.
From beginning to end you can count on the entire process taking about 10 to 12 weeks. Once your home’s offer is accepted, you’ll often have up to a 45 day escrow period before the sale is completely wrapped up. Well prepared new home buyers who pay cash have been known to move much quicker as well.
When you are looking to buy in a sellers’ market, this means increasing demand has driven up home prices. Here are some demand drivers:
Most home shoppers pay very little if anything to a real estate agent to buy their home. Listing brokers and buyer’s agents are paid from the seller. When a home is sold, the listing broker will split the listing fee with the buyer’s agent, this means buyers are not the ones that pay their agents.
Many loan programs require a FICO score to be over a certain number, however, there are many options for first time home buyers that lower this number. While there is no way to be certain, you want the best credit score possible. Should you not have a great credit score, don’t panic, there are plenty of options out there for people in any credit situation.
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This hidden gem is classified as a New York hamlet. Previously this small town was named Clarksville and Montmoor but has remained known as West Nyack for over a century now. Home to approximately 3200 people there are around 1100 households in a geographical area of just 2.9 square miles. While some crime does occur in West Nyack, it’s mostly just property crimes with
This beautiful hamlet rests within New Windsor, New York and is home to just over two thousand people as of the last census data for this area. With its own local zip code of 12575 the area is a very nice place to live. Crime statistics in the area are relatively low for the surrounding area. On a scale of 1 to 100 with
Originally settled as a farming community several centuries ago, this area was also home to the Munsee Indians. There was a local dam project as well that was built in 1837. This greatly increased the size of Greenwood Lake, the body of water. Considered a tourist area and populated by several hotel options, the area of Greenwood lake regularly enjoys a steady flow of
Give us a call or drop by anytime, we are here to answer all questions within 24 hours on business days. Your local real estate agent will be dedicated to helping you buy a home from start to finish.
When you call us, you’ll speak directly with a local, experienced real estate agent who knowns your marketplace.
As our client you will get all of the support in your home buying process you need. Please let us know if you have any questions or concerns at any time you’re working with us and we’ll be quick to resolve any issues we can.
Studio Apartment 
Apartment Class B 
Apartment Class C 
Penthouse