Blog Archives

Do Home Buyers Still Want a Formal Living Room

Reimagine the Formal Living Room

By Melissa Dittmann Tracey, REALTOR(R) Magazine

A living room likely isn’t topping many home shoppers’ must-have list these days. In fact, some architects say the formal living room – that upscale room welcoming guests at the front of a home – is becoming extinct.

Call it a casualty of the Great Recession, when home buyers started to get choosier when it came down to the bare essentials to a home. The formal living room started to lose favor to other preferences, like a home office or larger kitchen. After all, why have a room devoted to fancy chairs and sofas that rarely gets used?

As such, some buyers are walking through older homes today, questioning what to do with that formal living room space. Here are some ways to get your buyers to re-imagine those spaces.  Read More>>

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Houlihan Lawrence Westchester NY 1st Quarter 2015 Real Estate Market Report

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Please Enjoy the Houlihan Lawrence 1st Quarter Market Report 

If you would like more detailed information, contact me for consult http://AntoinetteDeRose.com/

Realtor.com – My Offer Was Accepted—Now What?

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Realtor.com – My Offer Was Accepted—Now What?  By: Craig Donofrio

Having your offer accepted feels great—but for most home buyers, it’s just the beginning. There is still a lot more to be done before you’re over the front threshold. Here’s a rundown of what comes next.

1. Apply for a loan

Unless you’re paying in cash, you’ll need to apply for a mortgage loan (if you’re already pre-approved, good for you). If you’re not pre-approved, meet with at least two or three lenders and compare their loan options. Be prepared to ask questions, and be completely open with the lenders about your finances.

2. Home appraisal and inspection

The next step is getting your home appraised and inspected.

Your lender will require your house be appraised by a professional, who is usually provided by the lender. The appraisal gives you a detailed report on the value of the home. If the home’s appraised value is less than the purchase price, you will need to either make a greater down payment or negotiate with the seller to lower the price. A lender won’t give you a loan for more than the appraised value.

A home inspection tells you if the home has any issues. Inspections aren’t always required, but you should absolutely get one even if you’re not getting a loan. Go over the inspection report in detail with the inspector to make sure you’re familiar with any problems, their severity, and the estimated cost to fix them. Additionally, you may also want to get your home checked for radon and pests, which are additional costs.

If the inspector finds problems, you may be able to get the seller to pay for necessary repairs or lower the price to adjust for the cost.

3. Get your funds ready

Make sure the funds you need for closing and in reserves are both accessible. If you need to pull money from an investment, do it right away. Keep the paperwork for the transaction to show your lender you liquidated funds to get your down payment.

4. Find homeowners insurance

In most cases, buyers are expected to pay for homeowners insurance upfront, before closing. Depending on where you live, you might need extra insurance, like flood coverage. Shop around at several different insurance companies for the best rate. Your lender will need proof of insurance before approving your mortgage.

5. Final walk-through

You will be allowed to do a final walk-through of your new home 48 hours before closing.

This allows you to make sure any items that should be there, as per your contract, remain. It also lets you check the condition of the home to make sure no extra damages have occurred. If you find anything different from what you agreed upon, you may postpone the closing to give the seller time to fix the problem.

It’s important that you catch every issue during the final walk-through. If you spot them after closing, they’re going to be your problem.

6. Closing

This is the day when you sign the mortgage documents and officially gain ownership of the property. Most likely your Realtor® will be there, as well as the seller, the seller’s Realtor, the closing officer, and perhaps the mortgage broker.

You will need to bring ID and a cashier’s check to pay closing costs, which you will know in advance (and if they look different, don’t be afraid to walk away). Your spouse will also need photo ID. (In some states, spouses are required to attend and sign papers even if they aren’t on the mortgage.) Check with your Realtor about the details of your closing.  Updated from an earlier version by Laura Sherman

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Single Family Vs. Condo Home Decision

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Property Search for Condo in Westchester New York 

 Should You Buy a House or a Condo |  By: Realtor.com Team

Here’s a handy, five-step guide to help you make the home vs. condo decision before you move:

  1. Location: First and foremost, you must decide where you want to live. From there, find out about the condo and single-family house options in the area. If you want to be in the heart of the city, condos will be more prevalent. However, for the same price, you could potentially find a single-family home just a short commute away.
  2. Privacy:  Think about how much privacy you would like. Having complete privacy is possible in a single-family house, while condo living means neighbors will be quite close. Condos may not offer private outdoor space.  
  3. Responsibility: When it comes to decisions affecting your home, do you feel comfortable involving neighbors? Many condo communities have strict rules about everything from paint choices to the hours when you can take out your trash cans. Single-family home communities tend to be more lenient, unless the community has a home owners’ association (HOA).
  4. Maintenance: Many condos include maintenance fees that cover landscaping and even exterior maintenance on the unit. With a home, the home owner will have to take care of any maintenance. Many HOA communities do take care of exteriors, but specifics vary from neighborhood to neighborhood.
  5. Budget: How much do you want to spend on the property? Condos are usually more affordable than a house, even with the housing market in flux. Give this point considerable thought. The last thing you want is to overextend financially.

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Houlihan Lawrence 4th Quarter 2014 Real Estate Market Report

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Houlihan Lawrence 4th Quarter 2014 Real Estate Market Report

Presenting Houlihan Lawrence 4th Quarter 2014 Market Report

 A comprehensive look at real estate markets in Westchester, Putnam and Dutchess Counties.

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Village of Pleasantville NY: Winter Activities Brochure 2015

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Click for Pleasantville Village Winter 2015 Brochure PDF  

 

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Happy Hanukkah!

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It’s Winter. Thinking of Buying or Selling a Property in Westchester NY

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It’s Winter. Experience all the season has to offer…and if you’re thinking of buying or selling a property in Westchester NY, then let me put my expertise to work for you. http://AntoinetteDeRose.com/

Real Estate Salesperson 914-263-8971  #WestchesterNY #RealEstate #ChappaquaBrokerage #PleasantvilleNY

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Buying a Home in Westchester County New York

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Pleasantville Garden Club Plant Sale

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Pleasantville Garden Club Plant Sale

Saturday, May 10th 8:00 a.m. to 11:30 a.m. at Memorial Plaza Pleasantville New York 10570

Visit the Pleasantville Garden Club  for more information: http://www.pleasantvillegardenclub.org/home.html

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Interested in selling your home contact Antionette DeRose Real Estate Salesperson at Houlihan Lawrence 

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