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The $8,000 first-time home buyers tax credit is going to go away after December 1, 2009. This means that if you are in New York and want to take advantage, you don't have much more than 60 days.
"How can that be?" you might ask, since December 1 is almost 120 days away.
Note that I said if you are in New York. New York, unlike many other states, takes far longer to close a real estate transaction, which means that if you wait until October 15 to buy a home you might not close until after December 1, which could cost you $8,000. Lawyers, lenders, title companies, underwriters, insurance, code issues, and a ton of other variables make the Empire State the Glacier State when it comes to timely closings.
We are closing on a house in Connecticut in which the client had their offer accepted 3 weeks ago. That is Connecticut, and it is a cash purchase. If the sale thing were to occur in New York we could possibly still not be under contract.
How much time do you really have? I'd say that to make sure you avoid a last minute delay, that you should make August THE month to get out there and find a home. You can go into September, but you are pushing it if you get too close to October. Remember, plenty of others are doing the same last minute thing and there will be delays from the backlog. 30 days is ample time to find a great house.
If you are in Westchester, Rockland, Putnam or Dutchess, I know of a really good firm to use! I have some excellent buyer agents right now who know how to advocate for their clients.
Forewarned is forearmed. Get out there and find a house. You've got 8,000 good reasons to act soon.
Search the MLS like an agent here. New York's Premier Short Sale REALTOR. Read my short sale bog here. See the New York Photo blog here. J. Philip Serves Briarcliff Manor, Ossining, the River Towns, Westchester County, and the bedroom counties of New York City.
Phil Faranda is broker and owner of J. Philip Real Estate LLC in Briarcliff Manor, NY. Since founding the firm as a sole practitioner in late 2005, the team has grown to over 30 agents & closed 350+ transactions valued at $140 million. He is in his 4th term as Vice President of the HGMLS. This blog commentary is geared toward consumers and industry colleagues alike. You can reach him at (914) 723-8900. Warning: *Sarcasm and irony advisory at all times.*
There is no doubt in my mind that the house would still be on the market if it wasn't for Phil's proactive efforts.
Phil was very responsive to our requests; he was very professional and respectful; he always gave us his honest opinion on the questions we asked. ... more
Phil is a very honorable and respectful realtor. He has gone way above and beyond the call of duty for me not only once, but twice. He helped sell ... more
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.