- Name
- Imma Carletto
- Company
- Houlihan Lawrence
- E-mail
- Contact Imma Carletto (Houlihan Lawrence)
- Website
- http://www.immacarletto.houlihanlawrence.com
- Office Phone
- (914) 962-4900 x 165
- Cell Phone
- (914) 469-5289
- Fax
- (914) 769-0181
- Address
- 703 East Main Street, Jefferson Valley, NY
- Description
- Exceptional knowledge of White Plains and surrounding areas. My family has been in the real estate & construction business for 30 years. Let me put my sales experience to work for you! Fluent Italian
About Houlihan Lawrence
As a leader in Westchester the Houlihan Lawrence family knows the future is brighter for all of us. By joining Houlihan Lawrence Real Estate a brand icon in American homes for over 125 years we are declaring our committment to growth. Yours and ours. We look forward to the opportunity to bring our strength to your real estate future.
We listen to your needs and work with you to find you the perfect home or rental property. We preview all homes before wasting your time because we know how valuable time is. Understanding today's market is key to a successful transaction. Our agents will give you the facts coupled with statistics so you'll feel at ease when making such a huge decision. We redefined the meaning of full service and continue to do so everyday. Our track record proves it.
About me!
As a realtor, I list and sell homes, do tons of rentals and I also LOVE to work with first time home buyers because they have so many questions and I love to talk! I'll walk you through every step of the way and explain each process until your comfortable. You can call me anytime day or night. I live for this! I've been in Westchester County all my life and am an expert in White Plains and surrounding areas such as Scarsdale, Hartsdale, Hawthorne, Thornwood, Valhalla, Elmsford, Pleasantville, Chappaqua, Briarcliff, Armonk. Mt. Kisco, Bedford & Katonah. Ask me anything! If I don't know the answer right away I'll always get back to you within 24 hours.
The following article appeared on KCM Blog 5/10/11:
If you plan on moving anytime in 2011, you should strongly consider selling your house now rather than waiting. Here are five reasons why:
1.) This is when your house will get the most exposure
The spring, and particularly the month of May, is when most buyers enter the real estate market. This surge of buyers dramatically increases the exposure for your house . The best chance of getting quality offers (perhaps even multiple offers) is RIGHT NOW!
2.) Foreclosures and short sales will increase in about 90 days
The good news is that the number of people paying their mortgage on time is increasing. This will lead to less distressed property sales later this year and throughout 2012. The not-so-good news is that there is still a large inventory of existing foreclosures and short sales that will still be coming to market.
As an example, LPS reported in their latest Mortgage Monitor that:
- There are still twice as many loans going 90+ days delinquent as are starting foreclosure
- There are almost three times the number of foreclosure starts as there are foreclosure sales
- Distressed property inventory levels are almost 45 times the rate of monthly foreclosure sales
This means that there is a backlog of properties which will start coming to the market in about 90 days as banks clear up their paperwork challenges. These properties sell at dramatic discounts. They will be your competition. Both Fannie Mae and Freddie Mac have recently discussed the magnitude of this challenge.
3.) Interest rates have risen over the last six months
Interest rates have stabilized recently. However, in the last six months, interest rates have climbed over 1/2%. Every time the rates increase 1/4%, approximately 250,000 buyers are eliminated from qualifying for a mortgage. In an environment of volatile rates, waiting could mean that there will be fewer buyers eligible to purchase your house. It also could mean that you will pay a higher rate on the next home you buy.
4.) Qualifying for a mortgage is about to get even more difficult
Besides increasing rates, there are other factors that will hinder a buyer's ability to qualify for a mortgage as we move forward. Lending standards have been getting tighter over the last year. And as the government debates the new proposed guidelines (QRM), banks are gearing up for even more stringent standards.
Morgan Stanley recently stated:
"Recent developments in issues such as GSE reform, Dodd-Frank securitization rules, and foreclosure settlement issues suggest a tighter and more expensive environment for mortgage credit."
This may impact any potential purchaser for your property and may also impact your next purchase.
5.) It's time to get on with your life
Probably the most important reason to sell is so you can get on with your life. You placed your home on the market for a reason. Do not allow a less-than-stellar housing market prevent you from reaching your goals as an individual or as a family. Think about the reasons you decided to move in the first place. Are these reasons still important to you? If you have to take less than you were originally hoping to get for your house, your family has a question to ask each other: Is the dollar difference in sales price worth putting off our plans? Only you and your family know the answer to that question.
Bottom Line
If you plan to sell this year, the reasons above prove that selling now makes more sense than waiting to later in the year. Sit with a real estate professional in your area today to fully understand your best option.
Source: KCM Blog 5/10/11 http://kcmblog.com/2011/05/10/5-reasons-you-should-consider-selling-now/#more-7944
5 Reasons Why It's Still a Good Time to Buy
The housing market is looking healthier. Here are five reasons why now is the time to jump into the market.
1. People have to live somewhere. About 800,000 new households are formed each year in this country, ensuring that the housing market will tighten, even if the economy doesn't soar.
2. Borrowers leverage their investment. If you put $10,000 into the stock market and it earns 10 percent, you've earned $1,000. If you put $10,000 down on a home and its values increases 10 percent, you've made $10,000.
3. When prices come back up, you'll have instant equity. In parts of the country where foreclosures have driven down prices, better times will mean the price of the home you buy will rise rapidly.
4. Mortgage costs stay the same. If you get a fixed-rate mortgage, the monthly payment stays the same - while everything else, including rent, goes upward.
5. You own it. There is something comforting in the notion that your home is your own. You can paint it any color you want, let the dog run in the back yard and hang a swing for the kids in the front.
Source: The Wall Street Journal, June Fletcher 3.27.09
More about me.....
Licensed Associate Broker
Proud Member of WPMLS
Proud Member NYSAR
Proud Member WCBR
Short Sales & Foreclosures Resource (SFR) Certification
Active Member Meals on Wheels Volunteer, White Plains Chapter
Proud Member and Activist for Autism Speaks WWW.autismspeaks.org
Proud Member Ct Center for Child Development: www.cccdinc.org
Bilingual - Fluent in Italian
2006 - Recipient of sales award Prudential Rand
2007 - Recipient of silver sales award with MLS & Prudential Rand
2009 - Recipient Silver Sales award with MLS & Better Homes & Gardens Real Estate
Coming Soon: Pleasantville New Construction homes offering 2500 - 3500 sq ft, walk to Chappaqua RR and shops. Email me for more information on these exquisite homes. Pre-Construction Sales going on now.
Testimonials from Past Clients
I have found moving to be one of the most stressful things life throws at you. Through meeting Imma Carletto of Houlihan LAwrence, she made the process more comforting and reassuring. Her interpersonal skills are beyond average and my ability to trust her knowledge of the real estate industry was very engaging. Through her expertise and wisdom I was able to find a community I could call home. I'm so happy to have met her and to have gone through this experience.---- Lori E. Tatarsky, White Plains, NY
I was so fortunate to have Imma as my realtor. She is flexible and patient, and she let me map out the scheduling of our house-hunts so that I felt comfortable with the process and so that I could take it as slowly as I wanted to. Imma is very knowledgeable about interiors and exteriors of homes, and she gave me honest feedback about the good points and bad points of each house we saw. When we reached the bidding stage, Imma was a great negotiator. She guided me through the entire process of purchasing my house, and I knew that I could trust her each step of the way. -- Jamison Sadlon, Tuckahoe, NY
Imma was a true joy to work with in helping me find a new rental apartment. She listened and paid close attention to my wish list of what I was looking for and acted immediately in searching out the perfect location and apartment. In fact, Imma found me what I was looking for the very next day! Her attention to detail was terrific. Imma made this one of the easiest moves i've ever experienced. Thank you! ---- James Harris, Pleasantville, NY
I really appreciate all you've done with the house and doing all the extra cleaning that I was not able to get to. Im so grateful for all that you've done throughout this process and made it much easier for me to handle, so again THANK YOU! ---Gina Alia, Yonkers, NY
Thank you so much for all your time and patience with the entire closing. We love you!! --- Theresa and Enrique Rosario, Yonkers, NY
Once again, you did a great job and delivered exactly what you promised. Thats rare now a days in your business. Thats saying a lot coming from a perfectionist like me. Thanks again Imma. Enjoy your trip. --- Nick & Kris Leo, Pleasantville, NY
I can't tell you how easy and effortless you made this process of selling my home. from the moment I met you, I knew there was something special about you and knew I could trust you to sell my home. I got no B.S., no big promises, no hard sell just to get my listing. Only straight advice and opinions from you! You've been amazing and have gone above and beyond in dealing with little details, to simple questions to helping me make moving arrangements while I was out of the country, and last but not the least - just being there for support with a little hand holding throughout the whole process when I really needed it. I LOVE that you were so attentive to detail and stayed on top of everything from start to finish. I wish you were my realtor when I bought my house too!! You truly are a great realtor, not to mention person! Thank you so so much for everything that you've done. I will miss working with you. I have only the sincerest wishes for future successes!! ----Nancy Bender, Ossining, NY
"I can't even begin to tell you how grateful we are for everything you did to help us out over the last few months. You were an invaluable resource for our countless questions and you were there for us through the entire process. You are truly great at what you do!"
----Katie and John McDermott, White Plains, NY
"Thank you so very much for helping us find and purchase our first home. We thank you for all your care, concern, teaching & friendship. You are a very special person."
----Melissa and Jeff Kessler, Croton-on-Hudson, NY
"I didn't know who to call but after I met you I realized you were the right person to help me sell my home. Your exceptional knowledge and proven track record made me more at ease. I enjoyed working with you and can't wait to hand out your cards to my friends." ---Eddie Yah, White Plains, NY
"I can't believe you sold it! Your the best!!" - Janet & Bo Mykitshak, Fishkill NY & Yonkers, NY
"One phone call and I was sold on you! Thank you, thank you, thank you!" - Melissa Berman, Brooklyn, NY
"Working with you was like working with a best friend. You were honest and kept us grounded even though we wanted to fly. Thank goodness we listened to you. Thank you again for all your hard work and for helping us find the right house." - Max & Lucy Glorjovikic, Yonkers, NY
-
