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The Town Of Ramapo, NY - Presents A Concert and Fireworks - 06/28/08 01:27 PM
Ramapo, June 29th, 5.30 Pm: The Town of Ramapo will presents the musical group Johnny & The Asbury's at 8.00 p.m. and fireworks after dusk at The Rockland Community College. Admission is FREE. Contact the town for more information
Real Estate Information: For assistance with any of your real estate needs, please call or visit me, whether it's to get started on helping you realize your goals and dreams, or just to ask a question. I would welcome the opportunity to make a difference for you. Ramapo, New York Real Estate Information: http://www.anthonystokespereira.com/ For Buying and Selling Real Estate, please contact; Anthony (1 comments)
Congers, NY - Fireworks Display - 06/28/08 01:11 PM
Congers, June 29th, 9.45 pm: The annual FIREWORKS DISPLAY display will be hosted by the Congers Fire Department at VMA Field. Admission is FREE. For more information please Call 845-268-6562.
Real Estate Information: For assistance with any of your real estate needs, please call or visit me, whether it's to get started on helping you realize your goals and dreams, or just to ask a question. I would welcome the opportunity to make a difference for you. Congers, New York Real Estate Information: http://www.anthonystokespereira.com/ For Buying and Selling Real Estate, please contact; Anthony Stokes Pereira of Prudential Rand Realty at (845) 770-2188 / Direct (0 comments)
Buying A Home - Get A Written Proof of Mortgage Pre-Approval - 06/28/08 11:28 AM
The first step in the home buying process is getting pre-approval for a loan. This will help you focus on the amount of mortgage you may obtain and the price range of homes to consider. Since sellers will be reluctant to take their property off the market for buyers who may not qualify, they will require written proof of financial pre-approval letters to negotiate with you. There are two kinds of written proof of mortgage qualification. The first is a pre-qualification letter. This document provided by a lender tells an interested party that the buyer has provided the lender with certain financial details. (3 comments)
Home Buyers Mortgage Products: Choosing a Mortgage that is Right for You - 06/28/08 11:13 AM
Your lender will counsel you on available mortgage choices and products. Basic mortgage choices are FHA (A mortgage where the lender is insured against loss by the Federal Housing Administration (FHA), VA (A mortgage given to a veteran where the lender is insured against loss by the Veteran's Administration (VA), or conventional loans (A loan that is not insured or guaranteed by the federal government, such as the Veterans Administration or the Federal Housing Administration. Also known as a Conventional Mortgage.). Within these basics are different mortgage products and programs that have been tailored to today's buyer needs. Since one size does not fit (0 comments)
Thinking Of Buying A Home - Find Out Your Credit History - 06/28/08 10:49 AM
Lenders see your credit history as a reliable predictor of repaying your mortgage on time as agreed. You should protect your credit just as you would protect your good name. A damaged credit history can keep you from homeownership. When you apply for a mortgage a lender will order a credit report from one of three credit bureaus: Equifax, Experian, and Trans Union. A credit report will give a history of your credit. It will show past loans, outstanding credit balances, how you make your payments, types of credit accounts, delinquent accounts, foreclosures, bankruptcy, judgments, liens, and collection accounts. Lenders also (1 comments)
Real Estate Dictionary Part #3 - 06/28/08 10:38 AM
Real Estate Dictionary This comprehensive dictionary provides you with important definitions for the industry's common and not-so-common terms, acronyms, and slang. Every person working in real estate or planning to buy or sell real estate can benefit by using this free real estate dictionary. The definitions are for general purposes only and should not be used for legal purposes. We disclaim any responsibility for any liability, loss or risk that may be claimed or incurred as a consequence of using this information. Click on the links to view The Real Estate Dictionary Part #1 and Part #2
Thinking of Buying A Home - Negotiating with the Seller' - 06/21/08 04:07 PM
You've finally found your dream home in your price range, and yoo would like to make an offer to purchase this home. Well! ......Your about to start one of the most tension-filled parts of your entire home buying process - "Negotiating with the Seller'. The first thing you needto do before you negotiate is your homework. That means you need to understand the community in which the home is selling and what comparable homes are selling for. You then need to figure out how the home you're thinking about buying compares to the homes that have sold recently in the neighborhood, you should get those information (2 comments)
Thinking Of Buying A Home - Making The Right Offer Price - 06/21/08 03:34 PM
As a buyer, your goals are very different from the sellers during negotiations. You want to pay as little as possible while sellers want to sell for the highest possible price. Buyer advantage comes with market knowledge. You may have seen enough to decide your offer price (Price offered to the seller at the start of a negotiation). However, it's wise to ask your sales professional to provide you with sold property data. By examining recent sales of similar properties you can reduce the risk of overbuying. Know how the market has behaved recently to focus your offer price. You can (0 comments)
Thinking Of Buying A Home - Find Out What Does Your Credit Say? - 06/18/08 09:50 PM
Get started on the right foot-get a consumer credit report before you start your home search. Checking your credit before you apply for a home loan will help you avoid surprises as you get closer to finding your dream home. A consumer credit report is a record of your credit payment history. Any delinquent payments or prolonged debts can appear on your credit report for seven years. Neglecting credit problems may result in paying higher mortgage interest rates or delays in your application for financing. Clearing your credit will help your home closing go smoothly. To see what your credit report (5 comments)
Real Estate Dictionary Part #2 - 06/15/08 08:52 PM
Real Estate Dictionary This comprehensive dictionary provides you with important definitions for the industry's common and not-so-common terms, acronyms, and slang. Every person working in real estate or planning to buy or sell real estate can benefit by using this free real estate dictionary. The definitions are for general purposes only and should not be used for legal purposes. We disclaim any responsibility for any liability, loss or risk that may be claimed or incurred as a consequence of using this information. Click on the link to view The Real Estate Dictionary Part #1
Definitions are intended to be informational only. (2 comments)
To understand the renting vs. buying decision, analyze your personal and financial situation. The first variable is your current rent. The decision to buy rests on the advantages accumulated beyond the term of your lease. You should estimate the annual rent increases that you will have to pay if you rent longer than one year. Then factor in your renter's insurance. While renter's insurance is on contents, this amount will offset some of the insurance that you will pay as a homeowner. Normally utility costs are not factored in unless you are in a unit where the landlord pays all or (6 comments)
Real Estate - The Basic Principle of Negotiation - 06/11/08 12:55 PM
In today's Real Estate Market the basic principle of negotiation is to know your alternatives. Negotiating is a communication process wherein two parties bargain resources and seek to reach an agreement for mutual benefit. However, other elements can also favorably influence the negotiation. As a result, it is important to understand the basics of negotiation so that you can better achieve your goals and develop "win-win" strategies. Negotiation Basics Focus on needs, not position. Once a party assumes a position, negotiation can become stalemated. An example of a position could be a closing date. Shifting to a needs focus would examine why that (1 comments)
New Consumer Resources on Prudential.com - 06/11/08 11:54 AM
When consumers log on to www.prudential.com/realestate, they are now able to get a free Environmental Profile, Value Range Estimate and Property Profile on any domestic property in the U.S. The Environmental Profiles, compiled by Environmental Data Resources Inc., provide data obtained from the EPA and other agencies detailing certain environmental issues that may exist in close proximity to a specific property. Value Range Estimates and Property Profiles, compiled by Cyberhomes, offer consumers estimated value ranges on properties and detailed reports on properties' vital statistics, such as square footage, lot size and bedroom and bathroom totals. As part of its Cyberhomes alliance, (0 comments)
Real Estate Dictionary - Part 1 - 06/10/08 07:40 PM
Real Estate Dictionary This comprehensive dictionary provides you with important definitions for the industry's common and not-so-common terms, acronyms, and slang. Every person working in real estate or planning to buy or sell real estate can benefit by using this free real estate dictionary. The definitions are for general purposes only and should not be used for legal purposes. We disclaim any responsibility for any liability, loss or risk that may be claimed or incurred as a consequence of using this information.
Selling Your Home - Seller Best Practices - 06/09/08 07:57 PM
Selling your home is one of the most important decisions you will make in your life. How much is it REALLY worth? How long will it take to sell? How do you handle buyers making undesirable offers? The right agent makes all the difference in the world! As your sales professional I will give you advice and support. The following best practices will give you the upper hand over your competition. When your resources permit, choose to fix up your home rather than offering the buyer an allowance to do the work. Buyers will make an offer sooner if the home (1 comments)
Home-price adjustments in markets around the country have opened doors of opportunity for many renters. If you are transitioning from renter to homeowner, the prospect of making such a large investment may be exciting, while at the same time overwhelming. But it doesn't have to be. Here are six common mistakes to avoid. 1. Not understanding the homebuying process. Educate yourself. Find a homebuyer seminar that you can attend or research online. The U.S. Department of Housing and Urban Development Web site (www.hud.gov) has an entire section devoted to homebuyers with common questions of first-time homebuyers, mortgage and home-buying programs information, (1 comments)
Your Real Estate Website - Top Ways to Gain Trust From Visitors - 06/03/08 08:53 AM
Your Real Estate Website - Top Ways to Gain Trust From Visitors By Kurt D. Lynn I received a news letter titled "Your Real Estate Website - Top Ways To Gain Trust From Visitors" on RISMedia Real Estate News website written by Kurt D. Lynn, he said that consumers have used trust and confidence as the basis of their decision to purchase goods or to contract services. In my experience as a Real Estate Agent and as a consumer I must agree with his comments. Kurt D. Lynn said that consumers base their decisions on a calculated risk of being disappointed. (4 comments)
Celebrating Flag Day - 06/02/08 10:31 PM
Flag Day is a great time to show your patriotism. Pull out Old Glory on Saturday, June 14, and fly her proudly in front of your home. In the United States, Flag Day is celebrated on June 14. It commemorates the adoption of the flag of the United States, which happened that day by resolution of the Second Continental Congress in 1777. In 1916, President Woodrow Wilson proclaimed Flag Day as a national celebration. However, the holiday was not officially recognized until 1949, National Flag Day was established by an Act of Congress. Flag Day is not an official federal holiday, (2 comments)
Higher Loan Limits Are Needed for FHA, Freddie Mac & Fannie Mae - 06/02/08 04:25 PM
Hi Everyone: I thought you might be interested in this Realtor Action Center campaign. Contact other REALTORS® and ask them to contact Congress on this important issue. Making the higher loan limits permanent will increase investor confidence and the availability of safe, fair, affordable mortgage credit for borrowers and those wishing to refinance. Higher loan limits will help stabilize mortgage markets and the economy as a whole. If you go to the URL below you can check out what is at stake and send your own message directly to the relevant decision makers. Take action on this action alert from Realtor Action (1 comments)
HAPPY FATHER'S DAY TO ALL - He is our hero, guide, friend and above all a 'Our Dad'. Whatever you do he is always there by your side. Dad is the one who becomes our first hero. He gives us a strong shoulder to lean on. He is the one to share a joke or a smile with, a confidant and friend. On Father's Day, reach out to this very special man, remember to send him greetings. Father's Day is Sunday, June 15, send a card by mail, eCard can be delivered on the actual day. So save the postage and "go green" (1 comments)
This blog is dedicated to the Rockland County, NY. Real Estate Market. My Real Estate Blog provides fresh perspective on our market activity. Real Estate is not just about selling or buying properties; it is about communities, people and families. I go above and beyond what is traditionally expected of a REALTOR. I am your source to Rockland County NY Real Estate information.
Traditionally, REALTORS were always the people to ask about what was happening in a particular community, since REALTORS are intimately involved in the places they live and work. I love our communities I love the villages, the towns, the schools, the restaurants, the parks, the people! And I know what's going on, because I am connected to the people and places in the communities I serve. So I would like to be your resource for real estate and community information. I will be posting my own analysis of the local real estate market, based on my expertise and experience in these markets, and I'll also be posting information and analysis of local events and happenings.
Remember: The relationship between a home buyer or seller and their Realtor is based on trust, shared goals and understanding. I strive to continually improve and to do this I listen and take the needs and wants into consideration.
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.