Are you working and having a hard time making ends meet?
New York State Office of Temporary and Disability Assistance has programs that are ready and willing to help.
We are usually all aware of the typical assistance for those in need such as foodstamps, Medicaid, and Social Security Disability Insurance.
New York State has a program for those who are working and finding it difficult to make ends meet. The WorkPays NY program offers benefits and supports for New Yorkers who are working and struggling in out difficult economic time. The assistance available includes but is not limited to tax credits, food and nutritional benefits, child care, free or low cost health care, and home energy assistance.
You can check your eligibility for many work support benefits quickly, easily and confidentially by going to www.mybenefits.ny.gov to see if you qualify or www.otda.state.ny.us for more information, or call 1-800-342-3009.
If you're considering buying your first home, here's another incentive for you. This week, New York State introduced another tax credit for first time homebuyers.
It's called the Mortgage Credit Certificate. It allows home buyers to take a dollar-for-dollar federal income tax deduction of 20% of mortgage interest paid each year. The remaining 80% of the mortgage interest would still be treated as an itemized tax deduction- as usual.
Governor David Paterson says the average homeowner could save about $1,520 per year for the first 10 years of the mortgage. This new tax credit would be on top of the federal tax credit of up to $8,000- which is due to expire at the end of November.
A first time homebuyer is defined as one who has not owned a home during the last three years. For the New York State Mortgage Credit Certificate, buyers must get a fixed rate mortgage with a partipating lender. So far, Wells Fargo, Bank of America and M&T Bank have signed up and others are expected to take part.
There are income and purchase price requirements, depending on where you live. For Ulster County, the annual income limit for a household of up to two people is $83,640 and for a household of 3 or more, the limit is $97,580 and the purchase price must be below $354,970 for single family homes. In Orange and Dutchess Counties, the income limit for a household of one or two people is $97,061 and for a household of 3 or more the limit is $111,620 and the house must be purchased for less than $387,740 for a single family. Purchase prices can be higher for 2, 3 and 4 family homes.
The program is expected to be available by themiddle of September. If you currently have an offer on a home, you can still apply for the credit. If you don't have an offer on a house and would like to take advantage of each of these tax credits, give me a call today so we can get looking for your first home. Time is running out to save with the federal tax credit of up to $8,000.
Single level living- at a great price! This must see home newly painted and light light filled. All you need to do is pack your bags and move in!
Conveniently located just minutes to the MidHudson Bridge, the New York State Thruway, New Paltz and Poughkeepsie.
Motivated owner has lovingly prepared this home for it's new owner. Hardwood floors are shining, rooms are bright this home is ready to be called "Home"
It is a great time to buy! Low Interest! First Time Homebuyer Tax Credit! And this home at a great price!
Call today for more information!
Barbara Carter and Becky Cook
UlsterHomes@yahoo.com
(845) 853 4210
Mother/Daughter Real Estate Team= Two working hard for you!
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Join us Saturday June 13 from 1-3pm for our open house at this cozy country cabin. You'll also, learn about the unbelievable tax benefits for first time homebuyers, see information about other hot listings in the area and find out how to get pre-qualified for a mortgage. You'll feel like you're on vacation everyday when you come home to this cozy cabin in the country. This log home is perfect for either year round use, or as a weekend getaway. Set in the center of 1.3 acres, this cabin is surrounded by mature trees, and very private- but also very close to stores, schools, major highways, and train stations. The back deck offers a beautiful view of the rolling hills and apple orchards of Milton. Inside, the great room with it's soaring cathedral ceilings helps make this house feel like a home. One bedroom and one bath are downstairs, and the master bedroom and bath are upstairs. The wood burning stove creates a warm and cozy atmosphere. For directions, for more details or to schedule your own private tour before the open house, call Becky Cook 845-853-4210.
It seems there is some confusion and mis-conceptions over the $8000 tax credit for first time homebuyers. What many people do not realize is that not everyone qualifies for the full $8000. The maximum credit is $8000.
First time home buyers or those who have not owned a home in three years qualify if:
•· They are single and make less than $75,000 or married and make less than $150,000. Above those incomes the credit is adjusted. A single person making over $95,000 or a couple making over $170,000 will not get the credit. These figures are based on the adjusted gross income.
•· Purchase is for a primary residence.
•· Home must be purchased prior to December 1, 2009.
•· Home purchases between relatives or other gifts of residences do not qualify.
If you are looking for some great fun and love horses- visit Horse Shows in the Sun in Saugerties NY. HITS on the Hudson is located just 2 miles from exit 20 of the New York State Thruway at 454 Washington Avenue Extension in Saugerties, NY.
The spring and summer series, began on May 20 with jumping competitions. You will see the finest equestrians competing in the shows as well as many other planned activities a favorite being the popular Kids Day which takes place Sunday, June 7th from 12-2pm. There will be pony rides, a petting zoo, clowns, slides, bounce house and arts and crafts for the kids.
Admission : Wednesday - Friday- Free
Saturday - Sunday $5.00 Children under 12 are free (Proceeds go Family of Woodstock, , Inc. a non-for-profit organization serving Ulster County)
A country Cabin set privately in the woods of the Hudson Valley. Minutes to the the New York Thruway, the Mid Hudson Bridge and Metro North.
Watch the seasons change in the Mountains. The views are spectacular.
Feel like you're on vacation everyday when you come home to his cozy cabin in the country. This home is perfect for either year round use, or as a weekend getaway. Set in the center of 1.3 acres, this cabin is surrounded by mature trees, and very private- but also very close to stores, schools, major highways, and train stations. The back deck offers a beautiful view of the rolling hills and apple orchards of Milton. Inside, the great room with it's soaring cathedral ceilings helps make this house feel like a home. One bedroom and one bath are downstairs, and the master bedroom and bath are upstairs. The wood burning stove creates a warm and cozy atmosphere
Barbara Carter and Becky Cook | Mother/Daughter Team Realtors | Exit Realty Services Main 845 853 4210 (Becky) | Cell 845 255 HOME (office) | Dir 845 505 3160 (Barbara) | Email | Website
526 South Mountain Road, Gardiner NY, 12525 View Map
Country Contempo..Retreat to the base of the ridge. This spacious home awaits your TLC. Unique inside and out. Snuggle by the stone fireplace or soak inthe whirlpool, you will love the space that surrounds you. Step outside onto the large deck, take a swim in the pool or enjoy the beauty of nature. An openfloor plan, oversized rooms, the skylights and cathderal ceilings make for a spacious atmosphere.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.
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