Beautifully Updated Briarcliff Manor Home - OPEN HOUSE - Sunday April 3rd, 2011 from 1:00 PM to 3:00 PM - 6 Dunn Lane, Briarcliff Manor NY 10510 - 03/30/11 05:00 PM
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OPEN HOUSE - Sunday, April 3rd, 2011 - 3:00 PM to 5:00 PM - Pristine Richmond Hill Townhome - Irvington NY 10533 - 03/30/11 04:21 PM
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OPEN HOUSE - Sunday, April 3rd, 2011 - 1:00 PM to 3:00 PM - Gorgeous Briarcliff Manor Home - Beautifully Updated & Renovated - 03/30/11 04:11 PM
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Yonkers NY 10705 - Lovely Custom Home For Sale on Dead End of Tibbetts Road - 03/29/11 05:40 PM
Visit http://westchester-real-estate.us for more info Visit http://westchester-real-estate.us for more info … (0 comments)

Westchester County Property Taxes... - 03/28/11 01:26 PM
Most prospective buyers ask what the property taxes are before purchasing a home because they assume that they will inherit the same tax obligations.
However, the tax rate changes every year because new equalization rates are set annually by the State of New York. The municipality then multiplies the appropriate equalization rate with the assessed value of your new home to come up with the amount on your property tax bill. 
The assessment value, on the other hand, is likely the only thing which hasn't changed... unless it has been properly grieved (assessment value reduction)... or there were improvements made to the home(assessment value increase).
Should you … (2 comments)

Yonkers NY 10705 - Generous Single Family Home with Large Accessory Apartment on Quiet, Dead End Road - 03/26/11 01:58 PM
Spacious Single Family Home w. Accessory Apartment 3 Tibbetts Road, Yonkers, NY 10705 View Map Large custom built one Family Home with Accessory Apartment located on a quiet, dead end street near Van Courtland Park golf course. Private, level property. Entry Hall with Staircase, Powder Room, Coat Closet, doors to lower level and over sized one car Garage, Eat In Kitchen, Formal Dining Room, large Living Room with Fireplace, vaulted ceiling and glass sliders to Deck overlooking private backyard. The second Floor offers a large Master Suite with Dressing Area and Bathroom, plus 2 more Bedrooms and a Hall Bath. The … (5 comments)

Irvington NY 10533 - Pristine Richmond Hill Townhouse - For Sale - 03/25/11 06:42 PM
Pristine Richmond Hill Townhouse 32 Richmond, Irvington, NY 10533 View Map Taxes successfully grieved - 17% reduction for 2011 plus STAR deduction of $1,630 - Spacious, pristine Town Home in beautiful Richmond Hill complex. Large sunny updated Eat-in Kitchen with stainless steel appliances opens to Living Room with fireplace and Dining Room with glass sliders out to private patio. Upper level boasts 3 Bedrooms and 2 Baths. Double doors open to oversized Master Suite. Stunning marble Master Bath with jacuzzi and steam shower. Unbelievably large walk in closet. Fully finished basement of 700 sq ft boasting a very large Family Room, … (3 comments)

Irvington Ny 10533 - PRICE REDUCTION - Gorgeous Updated Half Moon Coop Apartment For Sale - 03/25/11 06:38 PM
Half Moon - Irvington NY - Completely Renovated 3 Bedroom Coop 199 S Buckhout St #199, Irvington, NY 10533 View Map Beautiful pristine upper level 3 Bedroom Apartment Unit with Hudson River Views from all windows and Living Room deck! New Kitchen with stainless steel appliances and granite counter tops. Gleaming new hardwood floors throughout. Maintenance fee includes all utilities and taxes. Complex has Laundry Room, Storage and Bike Room for owners convenience. Close to Metro North and charming village center with lots of shops and restaurants. A stones throw from elementary school. Enjoy everything the quaint Village of Irvington has … (0 comments)

Mortgage Interest & Property Tax Deductions... - 03/25/11 06:31 PM
The most important tax benefit impact of homeowner ship is that the IRS and most state governments allow you to deduct, within certain limits, mortgage interest and property taxes when you file your annual income tax return. When you file your Federal IRS Form 1040, the mortgage interest and property taxes on your home are itemized deductions.
On mortgage loans you are taking out now, you may deduct the interest on the first $1,000,000 of debt as well as all of the property taxes. The nice folks at the IRS also allow you to deduct the interest costs on a home equity loan … (0 comments)

Green Living & Water Purification... - 03/25/11 06:22 PM
The safety of water in the developed world has grown by leaps and bounds over the last century. And while many countries, unfortunately, still deal daily with issues of water contamination, most Americans have access to clean water.
This luxury, however, may have caused some level of complacency concerning what goes into our water and thus into our bodies.
The copious amount of prescription drugs, bacteria, and hazardous chemicals (detergents, bleaches, etc) that are dumped into the water supply each day increases exponentially as our population grows. If the system works correctly, these chemicals are identified and processed out before water … (1 comments)

Fantastic Opportunity in Sought After Pocantico Hills - Spacious 4 Bedroom Plus Center Hall Colonial For Sale - 03/24/11 03:20 PM
Fabulous Pocantico Hills Center Hall Colonial 19 Amos Street, Tarrytown, NY 10591 View Map Spacious, updated, renovated & freshly painted - 4 bedroom, 3.5 bath Colonial with 2 car garage and 40' entertainer's deck for sale. Newly renovated bathrooms, hardwood floors, access to Rockefeller State Park walking trails, near everything Sleepy Hollow & Tarrytown have to offer, Pocantico Hills School system & recreation. Pocantico Hills School starts with pre-kinder to 8th grade. Choice of High Schools: Briarcliff, Pleasantville & Sleepy Hollow. Community offers brand new olympic size swimming pool, tennis courts, ballfields, playgrounds, picnic areas and more loacted at the school. … (1 comments)

Yonkers NY 10705 - Charming Classic Pre-War Center Hall Colonial For Sale - Private & Scenic Location - 03/24/11 02:02 PM
Gracious Well Maintained Center Hall Colonial 1 Tibbetts Road , Yonkers, NY 10705 View Map Lovely 3 Bedroom, 2.5 Bath Center Hall Colonial with beautiful land. Very private location at the end of Tibbetts Rd. Large Living Room with fireplace opens to an enclosed porch with deck overlooking the picturesque backyard. Eat In Kitchen. Hardwood floors throughout. Full finished basement with Butlers Kitchen, Full Bath, plenty of storage and Laundry Room. Door out to backyard. Large terrace over attached 2 car garage.
Details Asking Price: $529,500 MLS: 3101274 Sq. Feet: 1600 Lot Size: .28 acres Bedrooms: 3 Bathrooms: 3 # of … (0 comments)

Irvington NY 10533 - Hudson River Views from this Beautifully Renovated 3 Bedroom Coop Apartment - 03/24/11 01:07 PM
Half Moon - Irvington NY - Completely Renovated 3 Bedroom Coop 199 S Buckhout St #199, Irvington, NY 10533 View Map Beautiful pristine upper level 3 Bedroom Apartment Unit with Hudson River Views from all windows and Living Room deck! New Kitchen with stainless steel appliances and granite counter tops. Gleaming new hardwood floors throughout. Maintenance fee includes all utilities and taxes. Complex has Laundry Room, Storage and Bike Room for owners convenience. Close to Metro North and charming village center with lots of shops and restaurants. A stones throw from elementary school. Enjoy everything the quaint Village of Irvington has … (0 comments)

Pelham Manor NY - PRICE JUST REDUCED - Sophisticated Custom Home For Sale - 03/24/11 01:03 PM
Gorgeous Pelham Manor Custom Home 981 Split Rock Road, Pelham Manor, NY 10803 View Map SUBSTANTIAL PRICE REDUCTION - Beautiful custom built home with unbelievable detailing throughout. Main level Master Bedroom Suite with large Walk In Closet and luxurious Marble Bathroom. Formal Living Room with custom moldings opens to an amazing Dining Room with custom woodwork, built-ins and special lighting. Elegant Powder Room. Oversized updated Eat In Kitchen with lots of cabinets and large center island opens up to a bright Sun Room and Wood Deck made for for entertaining. Upstairs are two more large Bedrooms, another full Bath with skylight … (0 comments)

Briarcliff Manor NY 10510 - Fabulous 3 Bedroom Ranch Style Home For Sale - 03/24/11 12:56 PM
Completely Updated & Renovated Ranch 6 Dunn Lane, Briarcliff Manor, NY 10510 View Map Absolutely move-in condition! Completely renovated & updated Ranch in the Briarcliff School District. Gleaming hardwood floors, new doors, crown moldings and recessed lighting throughout. Entry with large coat closet. New maple wood kitchen with granite counters, breakfast bar, stainless steel appliances, pantry and natural stone tile floor opens to oversized, sunny living room with fireplace. Glass door opens to good size deck. Three (3) bedrooms with closets. Gorgeous full bath with marble flooring and wall tiles, two sinks set in stone tops on cherry cabinetry and towel … (0 comments)

The Absolutely Worst Home Buying Mistakes... - 03/22/11 04:36 PM
Buying a home is most likely one of the largest financial commitments you'll ever make. And if you don't go about it the right way it can cost you dearly. Here are the most costly home buying mistakes:
Trying to find the market bottomNo doubt, the real estate market has been trending lower for a number of years now.  As a result many home buyers are paralyzed because they fear they are paying to much and sellers are on the sidelines because many of them owe more on their homes then they are worth. 
Remember, buyers: Home prices are just one factor in how much a home will cost per month. The … (1 comments)

Yonkers NY 10705 - Lovely Center Hall Colonial For Sale on Dead End of Tibbetts Road - 03/21/11 06:55 PM
Lovely 3 Bedroom, 2.5 Bath Center Hall Colonial set on beautiful lot. Very private location at the dead end of Tibbetts Road. Large Living Room with fireplace opens to enclosed porch with deck overlooking backyard. Hardwood floors throughout. Full finished basement with Butlers Kitchen, Full Bath, plenty of Storage and Laundry Room. Door out to backyard. Large Terrace over attached two Car Garage.

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Bronxville NY 10708 - Elegant Vintage Updated - Bronxville Lodge Penthouse Coop Apartment For Sale - 03/21/11 06:46 PM
Bronxville PO - Deeded indoor parking spot, Top Floor End Unit, close to Metro North & Bronxville Village! Light & bright end unit in beautiful pre-war building. Oversized Rooms w iwith hardwood floors & architectural details throughout. Totally updated Eat in Kitchen with granite counters & tile floor. Sun comes streaming in to oversized Living Room which has also space for a formal Dining Room. Large Entry Hall with coat closet, updated full Bath & elegant Bedroom with 2 closets & 4 windows. Deduct $93.26 for STAR from monthly maintenance. A Must See!!

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Briarcliff Manor NY 10591 - Updated Renovated Move In Condition - Beautiful Ranch Style Home For Sale - 03/21/11 06:37 PM
Absolutely move-in condition! Completely renovated Ranch in the Briarcliff School District. Gleaming hardwood floors, new doors, crown moldings and recessed lighting throughout. Entry with large coat closet. New maple wood kitchen with granite counters, breakfast bar, stainless steel appliances, pantry and natural stone tile floor opens to oversized, sunny living room with fireplace. Glass door opens to good size deck. Three (3) bedrooms with closets. Gorgeous full bath with marble flooring and wall tiles, two sinks set in stone tops on cherry cabinetry and towel closet. Hallway with linen closet and Bessler stairs to storage attic. Door down to oversized family … (1 comments)

Your Prequalification Letter... Your Home Buying Passport... - 03/20/11 11:22 PM
Going through the preapproval process is a sign of your seriousness to house sellers... it kind of places a Lender's Seal of Approval on you. A lender's preapproval letter is considerably stronger than a prequalification letter. In the event where more than one prospective buyer bids on a home at the same time, buyers who have been preapproved for a loan have a strong advantage over buyers who haven't been proven creditworthy.
It also helps potential buyers to focus on properties they are able to afford
Lenders don't charge for prequalification. Given the extra work involved, some lenders do charge for preapproval. Many lenders, however, offer … (1 comments)

Lovely Center Hall Colonial For Sale - Private Backyard - Located On End Of Dead End Street - 03/20/11 12:24 PM
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Beautifully Updated - Rare Corner Penthouse Coop Apartment w. Deeded Indoor Parking Space - 03/20/11 12:21 PM
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Do You Believe Your Agent To Be Your Enemy? - 03/19/11 11:15 PM
One of the biggest fallacies is viewing your agent as your adversary. Some buyers think that the less their agent knows about them, the better. Such buyers believe that, after agents know why they want to buy and how much cash they have, the agents will somehow magically manipulate them into spending more than they can afford. 
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More Isn't Always Better If It Comes To Working With Agents... - 03/19/11 11:09 PM
One common fallacy is thinking that five agents will be five times better than one agent. The more agents you work with, the better your chances of quickly finding your dream home. Things don't work that way in the real world. 
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The Perfect Agent... - 03/19/11 10:56 PM
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William Raveis Mortgage Ranks Among the Nation’s Elite... - 03/19/11 10:37 PM
William Raveis Mortgage is a full-service mortgage banker. They offer most types of mortgage products including, but not limited to, conforming 15 & 30 year fixed rate mortgages, adjustable rate mortgages, jumbo, super jumbo, interest only, blended loans, second mortgages, Home Equity Lines of Credit, new construction, land, FHA, VA, CHFA and MFHA loans. Get pre-approved before you begin to look for a new home to obtain more bargaining power when you present your offer. William Raveis Mortgage is licensed to originate loans in Connecticut, Massachusetts, New Hampshire, New York and Rhode Island. For more details on these or other loan programs, … (1 comments)

Moving Day Tips & Tricks... - 03/15/11 10:26 PM
It's a dreaded part of buying a new home. It can be costly and time consuming, and can even cause you physical pain. What could possibly wreak all this havoc? Moving day.
Moving days can be quite the headache! To help you prepare and to avoid potential hang-ups, try out these great tips.
First and foremost, plan ahead. This is a time to make a list and check it twice. It always takes more time and more boxes than you'd think! It is better to be done ahead of schedule than to run out of time. Once you have to be … (4 comments)

Westchester Residential Opportunities... - 03/15/11 12:52 PM
Since 1968, Westchester Residential Opportunities, Inc. (WRO) has championed the expansion of non-discriminatory housing opportunities in our region for low- and moderate-income households, minorities, senior citizens and persons with disabilities, including the psychiatrically disabled. WRO is a HUD-certified Housing Counseling Agency, a licensed real estate broker and a United Way agency. All of their housing services for consumers are free, and are funded by government grants, private contributions and corporate support.
See Thir web site at http://www.wroinc.org/ for more information regarding their services.
 
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Your Dream Home Wish List... What, Why & How Much... - 03/15/11 12:45 PM
There are millions of homes for sale across the country. How do you know which is the right one for you?
The key to getting just the right fit is to develop a wish list. From the lifestyle you want to live to the style of home that best fits your needs, a wish list is a great way for you and your real estate agent to be clear on your objectives.
1. Fixer-upper vs. Move-in ready: Many buyers look at home ownership as a way to make their mark on a property. They are confident in their own renovating skills, … (4 comments)

Westchester County New York Area Information, Resources & Property Listings... - 03/15/11 12:15 PM
Beautiful Westchester County New York is situated just outside New York City and serves up a very wide range of housing options and settings. Prices range from below $100,000 for a one bedroom coop apartment to multi-million dollar estates. Recreational offerings are also very broad and varied as well. Please explore my area resources page for much more detailed information.

Above listings represent just a tiny fraction of what is currently available. Please visit my web site to explore ALL properties for sale or rent within Westchester County NY. … (0 comments)

Rental Apartment Market Report... - 03/09/11 12:47 PM
For the first time in years, the apartment rental market is beginning to experience signs of recovery as the U.S. economy slowly begins to strengthen. Reuters reported the rental vacancy rate fell to 9.4% in the fourth quarter of 2010 from 10.3% in the July-September period-the lowest since the second quarter of 2007. Witten Advisors predicts rents will increase 4.5% in 2011 as operators become aggressive in raising rents with little fear of losing customers to other housing options. In response to this news, Apartments.com conducted a national survey of more than 1,800 of its January website visitors to find out … (3 comments)

Find Out In The Blink Of An Eye... How Much Home You Can Afford... With This Free Tool... - 03/09/11 01:06 AM
The biggest and most important question all home shoppers need to answer for themselves is how much home they can afford based on their circumstances. Unfortunately many do not know how to figure this out without the help of a mortgage professional. To learn this magic number, which represents the maximum amount you are able to spend on your dream home, start with this free and easy to use tool:
CLICK HERE TO OPEN THE MY FREE "AFFORDABILITY CALCULATOR"
This tool works for any part of the country... but in the end you still need to consult with your mortgage professional...
 
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Homeownership Remains An American Dream... - 03/09/11 12:45 AM
A January 2011 survey of 2,079 American homeowners by Harris Interactive for Trulia.com revealed that 78% of homeowners believe that their home is the best investment they ever made. The results are astounding in light of the pounding the residential real estate market has taken over the last few years.
Some of the key findings include:
-American Dream Still Lives: Although foreclosures and underwater homes continue to plague the current housing market, 70% of Americans still view homeownership as being part of their American Dream. In fact, more than three out of four homeowners (78%) say their homes are the best … (1 comments)

Bartering Is Back... How & Where To Swap Goods & Services... - 03/09/11 12:41 AM
In this unstable economy, with prices rising and paychecks shrinking, bartering is back in a big way.
Websites like Kashless, U-exchange and SwapTreasures.com offer opportunities to swap clothing, toys, furniture, professional services and more with little or no money out of pocket except for shipping costs. If you've got a baby on the way or a house that needs furnishing, or perfectly good items you can no longer use, these websites may be your best resource, said MSN financial advisor Donna Freedman.
"I've seen people trade living room furniture in exchange for custom website design, dental work for remodeling, and jewelry … (6 comments)

Most Popular Outdoor Living Trends For 2011... - 03/09/11 12:37 AM
Homeowners want function, efficiency and fire pits in their outdoor space, according to the 2011 American Society of Landscape Architects (ASLA) Residential Trends Survey. The survey asked residential landscape architecture professionals to rate the expected popularity of dozens of different outdoor living and landscape features for this year.
For 2011, the top outdoor living features are some of the most basic: light, fire, food and a place to sit and enjoy it all. Overall, 96.2% of respondents rated exterior lighting as somewhat or very popular for this year, followed by fire pits/fireplaces (94.2%), seating/dining areas (94.1%), grills (93.8%) and installed seating … (3 comments)

OPEN HOUSE - Sunday, March 13th, 2011 - 19 Amos Street, Tarrytown NY 10591 - Fabulous Pocantico Hills Colonial - 03/08/11 09:20 PM
OPEN HOUSE - from 12:00 PM to 2:00 PM - Sunday March 13. 2011 … (0 comments)

OPEN HOUSE - Sunday, March 13th, 2011 - 32 Richmond, Irvington NY 10533 - Gorgeous Richmond Hill Townhouse - 03/08/11 09:18 PM
OPEN HOUSE - Sunday, March 13th, 2011 - from 2:00 PM to 4:00 PM … (0 comments)

Plans For Fannie & Freddie... How About Plans For The Banking System First! - 03/08/11 12:27 PM
I certainly hope that our elected officials are aware that banks and other lenders are still not ready for this... first they must find and implement meaningful and workable reforms for the banking and lending industry and then they can relinquish this market to the private sector again... banks / lenders also need to be forced to streamline and standardize their lending systems and methods... including short sales and foreclosures... what has been going on for the past few years is just not acceptable anymore...
What is your take on this?
 
 
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Foreclosure and Loan Modification Trends... - 03/07/11 12:58 PM
Mortgage delinquency rates are improving. The delinquency rate for prime loans was 4.8 percent in January compared to 6.7 percent in January 2010, and the subprime delinquency rate was 36.4 compared to 39.2 last year.  The FHA experienced a delinquency rate of 12.8 percent, down from 15 percent a year earlier.
In January there were a total of 26,659 new loan modification trials initiated. About 1.5 million struggling home owners have entered these trial modifications since the program started in April 2009 and of these 145,260 trials remain active. 
Since then more than 600,000 home owners have converted from a trial to a permanent status, and … (1 comments)

Are You Currently Bargain Hunting? Then Keep This Very Important Aspect In Mind! - 03/06/11 01:09 PM
Are you currently bargain hunting? Are you shopping all areas that you are interested in several times over?Are you under the impression that home prices in your area will further decline? Are you haggling over every little thing with the sellers? Are you trying to squeeze them ever so much more? Are you passing up on homes you really like just because you couldn't get another couple of thousand off? 
Well, while everyone loves a bargain, just make sure it doesn't backfire on you!
Mortgage interest rates have not been too stable for a long time now. When checking the graphs you can see there has been quite a large change in … (2 comments)

What You Need To Look For In A Real Estate Professional... - 03/03/11 03:44 PM
Let's face it - in today's challenging economy, every penny you can save matters. That's why some home owners are trying to do it on their own when it comes time to sell their home. However, according to recent surveys conducted by Multiple Listing Services, the vast majority of consumers say working with a real estate professional makes the most sense... especially in today's difficult market.
As these surveys reveal, today's consumers recognize this is not the time to complete a real estate transaction on their own, and are placing a stronger emphasis on an agent's professional skills. As such, the following criteria were ranked … (0 comments)

Current Refinance & Loan Modification Options... - 03/02/11 06:58 PM
In today's housing market, many home owners have experienced a decrease in their home's value and may now owe more than their homes than what they are valued at. While this situation most likely will work itself out over time as home values begin to rise again it may still be a good idea to look into your refi and loan modification options. Here are some of the options out there:
Home Affordable Refinance Program (HARP) FHA Refinance for Borrowers in Negative Equity (FHA Short Refi) Treasury/FHA Second Lien Program (FHA2LP) Principal Reduction Alternative (PRA) Housing Finance Agency Innovation Fund for the Hardest Hit Housing Markets (HHF) … (0 comments)

Wanna Sell Your House? Get It Ready For Spring! - 03/02/11 12:06 PM
The Spring housing market is just around the corner and right now is the best time to get your home for sale in it's best possible shape. Please, do not wait til it gets really warm which will draw buyers out of their winter hiatus.
The competition will be fierce and only well groomed homes presented at the right price will get offers. The rest might get viewings but will just languish on the market. Remember, we are still in a buyers market where there is an over-supply of homes and buyers can afford to be very choosy.
Now, while you cannot protect yourself against … (4 comments)

Buyers Are Stressing Out Over Their Mortgage Applications... How To Avoid It... - 03/01/11 10:06 AM
More than 70 percent of Americans say getting a mortgage today is a serious problem, according to a new study by MortgageMatch.com, a home loan and information site.
According to the MortgageMatch.com survey, today's lending environment is so confusing many borrowers are experiencing high levels of stress and frustration.
More than one in five recent home buyers (20.9 percent) told MortgageMatch.com, waiting to hear if they were approved for a mortgage was more stressful than waiting to hear if they got a job.
MortgageMatch.com says home buyers can significantly improve their chances of getting a mortgage application approved on the best … (0 comments)

 
Phyllis Lerner, Realtor - Broker / Owner - Westchester County NY, William Raveis Legends Realty Group (William Raveis Legends Realty Group LLC) Rainmaker_large

Phyllis Lerner, Realtor - Broker / Owner - Westchester County NY

William Raveis Legends Realty Group

Tarrytown, NY

More about me…

William Raveis Legends Realty Group LLC

Address: William Raveis Legends Realty Group, 37 Main Street, Tarrytown, NY, 10591

Office Phone: (914) 332-6300

Cell Phone: (914) 438-7556

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