real estate: Revised 3/25/14 - The Facts About FHA Loans In Westchester County NY - 03/25/14 07:26 AM
If you don't already know, the FHA loan in Westchester County NY has become wildly popular over the past few years, partly because lenders have raised the requirements for other loans.  The FHA also known as the Federal Housing Administration doesn't actually fund loans, the insure them for FHA approved lenders.  As a Westchester County Buyers Agent I have closed more FHA loans this past year then ever before.  The attraction to these loans are the minimum of 3.5% down payment requirement, the ability to finance closing costs up to 6% of the purchase price, and the ability to qualify with less then perfect credit.
Although the minimum credit score changes with … (0 comments)

real estate: Rye NY Residential Real Estate Market Statistics Report 3/2014 - 03/25/14 12:36 AM
Single Family Homes   Sales There were 13 unit sales in February. This is up 8.3% from 12 in February of 2013. Sales/list price ratio in February moved down to 91.3% from 103.0% in January. Prices Median price in February was $1,390,000. This is up 19.1% from $1,167,000 in February of 2013. 3-month median price of $1,545,000 in February was down marginally from $1,560,000 in January but up a little from $1,343,500 in February of 2013. Inventory Inventory of 92 in February was up 10.8% from 83 in January but down 27.6% from 127 in February of 2013. New listings of … (1 comments)

real estate: Proven Tips For Successfully Selling A Home - 01/23/14 10:28 PM
Selling a home in Westchester County?  Here are some tips that will make your life a little easier when listing, presenting, and showing your home.     1) Hire A Professional - Most people selling a home don't know where to begin.  Working with a professional will lighten your load and ensure the property will be properly marketed and priced.  Selling on your own can work, and does, but there are many important marketing tools you will miss out on.  Websites such as and the local MLS are extremely important because the local agents will most likely not know about your property if … (0 comments)

real estate: 7 Reasons To Work With your Own Westchester County Buyer's Agent - 01/21/14 09:23 PM
I find more and more that buyers are calling the listing agent of a property and expecting them to have their best interest in mind. The listing agent represents the seller in a transaction, and always has the sellers best interest in mind. Anything you say to the listing agent can and will most likely be used against you in a negotiation.   Your Westchester County Buyers Agent will know what to tell the sellers side without weakening your negotiating position. Here are some questions I want you to consider the next time you are on the fence about whether to … (0 comments)

real estate: Tips To Improve and Maintain Your Credit Score - 01/20/14 09:30 PM
Your credit score plays a very important part in the home loan process.  Typically they range between 340-850 and are calculated by three reporting agencies, Transunion, Equifax, & Expirian.  The formulas they use may differ so your scores may vary.  Lenders lend money based on your level of risk, the better your score (700 or better) the more favorable your rate and options.    
They are essentially investing in your ability to pay back a loan.  The term "mortgage" refers to collateral, you are using as collateral to pay back a loan.  Your FICO score is calculated using the following formula; 35% is payment … (0 comments)

real estate: Just Reduced, Fully Renovated Side-Hall Colonial In White Plains 10606 - 01/06/14 02:50 AM
$619000 / 4br - 2200ft² - Tastefully Renovated Colonial Home For Sale In White Plains 10606 (White Plains)             © craigslist - Map data © OpenStreetMap Greenacres Ave at Quinby 4BR 2200ft2 house
laundry on site attached garage
Public Open House January 19th From 1pm-3pm. For More Information or To Schedule A Showing Please Contact Me, Christopher On 914.406.9023 or Visit
Beautifully Preserved Colonial In Showroom Condition! Enter to a cozy Living Room w/ a Fireplace, Family Room, Formal Dining Room w/Sliders To Patio & Fenced Yard, Renovated Eat-in-Kitchen w/ Breakfast Nook and Renovated Powder Room. The second floor hosts … (0 comments)

real estate: Should A Buyer Work Directly With The Listing Agent Of A Property? - 10/15/13 11:20 PM
I get asked this very question all of the time.  My answer is simple; the listing agent represents the sellers best interest, ALWAYS.  Anything you say can and will be used against you in a negotiation.  Many seem to think that if they contact the listing agent they will get inside info and a better deal.  Although some may go against their fiduciary duty to the seller because they want to put together a deal, this is not the proper way.  We have to relay any information about the opposing party that will benefit or help the client make a sound, informed decision.  … (2 comments)

real estate: Old World Charm With Modern Amenities In Fleetwood NY 10552 - 08/31/13 11:07 PM

$449,000 , 3 bedrooms, 3 full baths, 1 half baths, 2,200 square feet  

real estate: 5 Mover Tips To Help Make Your Move Stress Free - 04/28/13 10:22 PM
In my teen years I worked as a mover in Long Island and Westchester County. I then worked a couple of more years in my late 20's while making a career change. My second time around, I specialized in packing which is by far the most important aspect of the move. Below I am going to pass on some valuable tips for the inexperienced packer to help ensure everything makes it in one piece and the move in general goes smoothly.

1) Get Estimates - Be very careful who you hire! Always remember you get what you pay for … (2 comments)

real estate: Westchester County Real Estate Market Statistics 4th Quarter 2012 - 02/18/13 11:55 PM
Courtesy of the Hudson Gateway Association Of Realtors
Westchester & Putnam County

The pace of residential real estate sales picked up considerably in 2012 in the four

counties of the lower Hudson region – Westchester, Putnam, Rockland and Orange –

served by the Realtor firms participating in the Hudson Gateway Multiple Listing

Service (HGMLS), a subsidiary of the Hudson Gateway Association of Realtors, Inc.

The Realtors reported a regional sales aggregate of 11,481 residential units consisting

of single-family houses, condominiums, cooperatives, and in the case of Westchester,

2-4 family buildings as well. This was … (0 comments)

real estate: Countdown To Closing On A Home...Performing A Final Walk Thru - 11/11/09 12:59 AM
When the time for a final walkthrough inspection of the home you're purchasing arrives, most will welcome assistance!  This inspection should not be confused with an engineer home inspection which is conducted right after offer acceptance.  Below is a checklist of items to be checked by you and your Westchester County Buyers Agent.General1) Have all agreed upon repairs been completed?2) Have the sellers removed any items that are supposed to stay in the home?3) Is the home clean and/or broom swept?4) Are there any signs of new damage to walls, floors, etc?5) Do all light fixtures work?6) If an agreed upon fixture … (4 comments)

real estate: First Time Home Buyer Tax Credit Expansion And Other Tax Incentives - 11/06/09 09:54 AM
Tax Credit for Homebuyers
First-Time Homebuyers (FTHBs): First-time homebuyers (that is, people who have not owned a home within the last three years) may be eligible for the tax credit. The credit for FTHBs is 10% of the purchase price of the home, with a maximum available credit of $8,000.
Single taxpayers and married couples filing a joint return may qualify for the full tax credit amount.
Current Owners: The tax credit program now gives those who already own a residence some additional reasons to move to a new home. This incentive comes in the form of a tax credit of … (1 comments)

real estate: New York And New Jersey Top All With Property Tax Bills - 11/02/09 12:15 AM
The highest property tax bills in the country are in New York and New Jersey, according to the Tax Foundation's analysis of data from the U.S. Census Bureau.The Tax Foundation analyzes counties and includes taxes levied by school districts and other taxing authorities. The national median property tax is $1,854.The counties with the highest median property tax for owner-occupied properties are:1. Westchester County, N.Y., $8,4042. Hunterdon County, N.J., $8,3473. Nassau County, N.Y., $8,3064. Bergen County, N.J., $7,9975. Rockland County, N.Y., $7,7986. Essex County, N.J., $7,676 (tie)6. Somerset County, N.J., $7,676 (tie)8. Morris County, N.J., $7,3109. Passaic County, N.J., $7,09510. Union County, … (2 comments)

real estate: 3BR 1BA Colonial Home For Sale In Sleepy Hollow NY 10591 - $349,000!! - 10/20/09 07:31 AM

real estate: 5 Steps To Getting Started On Twitter - 10/19/09 01:21 PM
What is Twitter you ask?  Twitter is a social networking site that allows people to follow your updates.  It is very important for you to determine your ultimate goal with the site before beginning.  I choose to use it for work purposes.  I post useful articles and stories pertaining to Real Estate along with the occasional recipes, cool gadgets, etc.  Below are the 5 steps to begin Twittering:1) Go to and setup your account. It's pretty basic, just setup a username/email and password.2) Read the basic guidelines at http://Help.Twitter.Com, this will save you alot of time and headaches in the … (1 comments)

real estate: New Truth In Lending Act Disclosure Requirements Home Buyers Should Know About - 08/01/09 02:44 AM
Revisions to the Truth In Lending Acts disclosure requirements took place July 30, 2009.  Many believethe new requirements will be a challenge for lenders to comply and also may cause delays for closings.  Only time will tell, but once again the process has become more complicated.  The new revisions are as follows.
• The new requirements apply to all mortgages secured by a borrower's home, including
primary and second homes and refinancings. Investor loans continue to be exempt.
• Lenders must give good faith estimates of mortgage loan costs within 3 business days
after the consumer applies for a loan … (0 comments)

real estate: What Makes A Home Or Building Green? - 07/01/09 02:13 AM
In order for a building or home to be certified as "Green" it must be certified by one of the nationally recognized rating programs.  The Most Common are as follows:1) LEED (Leadership In Energy And Environmental Design)  2) ENERGY STAR3) HERS Index (Home Energy Rating System).  Today I will focus on LEED so I don't overwhelm you with information, tomorrow I will focus on ENERGY STAR and so on.LEED is a third party certification program that sets design, construction, and operational standards for high performance green buildings.  The certification is awarded by the US Green Building Council.Qualifying Criteria Includes:1) New Construction … (2 comments)

real estate: Sustainable/Green Living...Where Are We Today? - 06/28/09 09:42 AM
I have done alot of thinking about the term "Green" and have come to the conlcusion that I much prefer the term "Sustainable Living".  Even though awareness is at an all time high, many people are not sure what "Green" means.  The term is defined differently in many industries and orginizations, there are also many different degrees.  For some the term means an environmental movement to others a political movement.  Most consumers believe it means "earth friendly" which is somewhat correct, simply put "Green" refers to lessening the environmental impact from society.  The term "Sustainable Living" refers to the ability to … (1 comments)

real estate: Property Tax Information For All 50 States - 06/24/09 02:14 AM
The Lincoln Institute of Land Policy has put its property tax database ( The database is a comprehensive source of information about finance in every state and many municipalities. Users can manipulate the database to compare property tax laws, rates, and assessment rules, and to identify property tax relief programs. The institute, which is associated with The George Washington University in Washington, D.C., plans to shortly add a database of property values across the United States.

real estate: The First Time Home Buyer Tax Credit May Expand And Extend Into 2010. - 06/22/09 05:17 AM
The First Time Home Buyer Tax Credit has really jump started what has been a rather sluggish real estate market.  As the Dec 1, 2009 expiration date quickly approaches many wonder what will come next.   Now both legislators and the business community are hoping to build on the incentive's success by expanding it. A number of bills have been introduced in the House and the Senate that lobby for an expansion of the measure. Among the proposed changes:
Setting a new cap of $15,000. Extending the tax break into mid-2010. Making the benefit available to all home buyers, not just first-timers. Offering a … (0 comments)

Christopher Pagli, "I Stay Open Until You Close" (William Raveis Legends Realty Group) Rainmaker large

Christopher Pagli

"I Stay Open Until You Close"

Tarrytown, NY

More about me…

William Raveis Legends Realty Group

Address: 38 Main St, Tarrytown, NY, 10591

Mobile: 914 406 9023

Email Me

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