real estate: Westchester County Public Open House White Plains NY 10603 - Sunday June 7 1p-4p - 06/03/09 05:33 AM
Public Open House Sunday June 7 1pm-4pm, For More Info visit Or Call Me Direct On 914.406.9023 ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ … (0 comments)

real estate: FHA Lenders Get The Green Light To Use First Time Home Buyer Tax Credit For Closing Costs - 05/29/09 05:46 AM
The other day I wrote a post on how HUD was going to allow FHA approved lenders to help first time home buyers to use the tax credit up front.  The kinks needed to be worked out and the green light has been given to these lenders to develop bridge loan programs that first time home buyers can use towards their closing costs, buy down their interest rate, or put down more then the minimum 3.5% already required for an FHA loan.The loans cannot be used to cover the initial 3.5% down payment but but will certainly help home buyers.  Any way … (0 comments)

real estate: Westchester County And The Going Green Revolution - 05/27/09 02:02 PM
Westchester County is constantly evolving and working on ways to improve the quality of live for its roughly 1 million residents.  Many of us have had it with traffic on the Hutch, 287, and the Bronx River.  My least favorite is I-287 which seems like it has been under construction forever.  What I am excited about is the planned improvement for this major roadway, set to be completed in the next couple of years.  There will be a high speed bus lane and improved ease of exit into White Plains.  Plans for the "new" Tappan Zee bridge are currently being discussed … (0 comments)

real estate: Changes To The First Time Home Buyer Tax Credit - 05/22/09 12:00 AM
There was a news post put out by HUD (The Dept Of Housing And Urban Development) last week stating that the Federal Housing Administration (FHA) is going to allow first time home buyers to "monetize" the tax credit and use it as a sort of bridge loan to make a down payment on a home.  This would allow the purchaser to use the money up front rather then use it later.  This plan was still in the works and then rumors began that the plan wasn't going to be implemented and that the credit shouldn't be considered debt or a loan but … (0 comments)

real estate: Westchester Condo For Sale White Plains NY 10603 - 05/18/09 07:24 AM
Just Listed - 21 Lake Street #5H, White Plains, NY 10603 - Condo - 2BR 1 1/2 Baths, Tastefully Updated, Minutes From Bus, Train, Shops, School, And Parks - Public Open House Sunday May 24, 2009 1pm-3pm For More Info And Pics Visit ------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------ … (1 comments)

real estate: 3 Common Home Pricing Mistakes - 05/15/09 07:34 AM
Pricing a home, especially in todays market takes alot of careful research and even then can be difficult.  Below I've outlined some of the common mistakes that homeowners make when pricing and hopefully they will help you avoid the same mistakes.1) Hiring An Agent Who Inflates The Price To Get The Listing If you ask several Agents how much they think they can get for your house, and one gives you a significantly higher bid than the others, be cautious: the agent may be trying to "buy" your listing by suggesting an unrealistically high asking price. This practice is unethical and costs you … (0 comments)

real estate: 5 Important Points Of The Home Valuation Code Of Conduct - 05/12/09 12:12 AM
Changes to the home appraisal process haven been long awaited and are finally here.  As of May 1, 2009 the following points have been implemented to protect homebuyers, mortgage investors, and the housing market.1) The code prohibits lenders and thrid parties from influencing the development, result, or review of an appraisal report.2) It also requires lenders to provide homebuyers with a copy of the appraisal report no more then three days before closing, which in my opinion shopuld be standard practice anyway.  After all the homebuyer is paying anywhere from $350 and up for the report.  Some lenders may require the … (0 comments)

real estate: Westchester County Open House Sleepy Hollow NY 10591 - Sunday May 17 1pm-3pm - 05/11/09 05:03 AM
Public Open House 34 Gordon Ave, Sleepy Hollow, NY 10591 Sunday May 17 - 1pm-3pm.  For More Info Contact Christopher Direct On 914.406.9023 Or Visit For Pictures And Listing Info
Welcome To The Perfect Starter Home On A Tree Lined Street! Enter To A Bright And Airy Sun Porch, A Living Room W/ Fireplace, Formal Dining Room,Kitchen, And Door To The Patio. The Second Level Hosts Three Bedrooms, A New Full Bath, And Attic Storage. The Basement Is Full And Unfinished Complete With A Door To The Garage, Laundry Hook Ups, And Storage. The Exterior Consists Of A One Car Garage … (0 comments)

real estate: 4 Effects Of Not Having A Certificate Of Ocupancy In Westchester County NY - 05/07/09 12:38 AM
In my last post I discussed the prpose of having a Certificate Of Occupancy, this posst will focus on the effects of not having one.  A purchaser might find the following:1) The improvements do not comply with setback requirements set by the local zoning board.  This will result in the need for them to be moved or made the subject of applications to the Zoning Board Of Appeals for Variances.  A variance is permission obtained by from zoning authorities to build a structure or conduct a use that is expressly prohibited by the current zoning laws.2) The improvements may not have … (0 comments)

real estate: Westchester County Home For Sale Sleepy Hollow NY 10591 - 05/01/09 05:25 AM

real estate: Westchester County First Quarter Sales Report 2009 - 04/28/09 03:04 PM
April 28, 2009 - Westchester County First Quarter Sales Report
Deepening recessionary conditions in the autumn months of 2008 markedly reduced realestate activity in the Westchester region. Plunging equity markets, rising unemployment,weak corporate earnings reports, and pre- and post-election jitters about economic policyand the unknown effects of the various stimulus and bailout plans, all combined todiscourage prospective homebuyers from entering the real estate market then.
The resultof the reduced marketing and showing activity at the end of 2008 was that far fewerclosings were posted in the first quarter of 2009.Realtor firms participating in the Westchester-Putnam Multiple Listing Service reportedonly 850 closed … (0 comments)

real estate: 5 Things Any Homeowner Should Know About A Certificate Of Occupancy - 04/27/09 02:54 AM
A Certificate Of Occupancy or better know as a C of O, represents that a municipality is aware that a home is legally occupied and conforms to zoning and minimum repair and maintenance standards as of the date the C of O was issued.  Below are five things that it ensures1) Plans have been properly filed with the building dept before any construction took place, or if construction was undertaken, that the building dept is satisfied that the homeowner performed the work within compliance of the law.2) Architectural drawings have been filed and the building dept has determined that they are … (2 comments)

real estate: 6 Tips For Presenting Your Home This Spring - 04/26/09 06:03 AM
Spring is upon us and the Real Estate market is seeing more activity then was anticipated.  Spring is typically the best time for Real Estate but due to recent times it's a bit different.  It's time to whip your home into shape and present it in the best possible light.  I'm going to give you a few tips that will ensure more effective showings.1) Update The Photos - If your agent listed the home earlier this year have new pictures taken to highlight the green grass, flowers, mulch, and anything else that may grow in the spring.  The last thing you … (2 comments)

real estate: What To Expect From A Home Inspector In Westchester County NY - 04/16/09 12:49 AM
Yesterday I spoke about finding an ASHI certified home inspector.  Today I will focus on some of the things that you can expect from your Inspector once hired.  A good home inspector has to know what to look for but also know how to properly communicate their findings in writing for the Buyer.  Here are a few things the report should include1) An explanation of the condition, age , etc.2) An assessment of the severity of the condition, does it already affect the livability of the home or is the problem in the beginning stages.3) What will happen if the homeowner … (0 comments)

real estate: 7 Tips To Improving Your Credit Score - 04/10/09 01:28 PM
If your credit is shabby, you'll need to shore up your score to convince a lender you're worthy. Here's how to boost your point total:
Be on time. Before you worry about cleaning up what happened yesterday, get right with today and focus on your current bill-paying performance. Pay on time, and pay more than the required minimum payment each month on outstanding credit balances. Shrink your credit ratio. The credit-scoring process looks at the ratio of your debt to the total amount of available credit you have, so add up your credit limits to see where you stand. Your long-term … (1 comments)

real estate: Accepting An Offer To Purchase A Home In Westchester County, NY - 04/06/09 06:12 AM
This part of the transaction is pretty cut and dry but there are a few things YOU should take into consideration with an OFFER.  All OFFERS should be presented in writing and be accompanied by a pre-approval letter from a reputable lender.  YOU will want to know that your prospective BUYER has been properly qualified by a LENDER.  Please note that there is a difference between a PRE-QUALIFICATION and a PRE-APPROVAL, A pre-qual is a pre-approval to a pre-approval, basically the BUYER has spoken to a loan officer and provided certain information.  Based on What the BUYER has stated the loan officer qualifys them … (0 comments)

real estate: Preparing For The Closing Of Your Home Purchase In Westchester County New York - 03/22/09 05:32 AM
The most exciting day of your life is almost here, the Closing of Your new Home. A day, or two,before the Closing a final walkthru is scheduled.  This is Your chance to make sure that everything has been cleaned out, looks to be in order, and that any repairs, changes, or anything else agreed upon in the Contract Of Sale has been taken care of.  Every Contract Of Sale is unique to a specific transaction so make sure you have a clear understanding when signing.  Always check the appliances to make sure they work and make sure the movers haven't caused any damage.  Anything that is out of … (0 comments)

real estate: Title Insurance Policy - 03/21/09 01:07 AM
A Title insurance policy protects the Buyer against any loss if a defect in the owners Title is challenged by anyone at anytime.  The Insurance, paid by the Buyer is a large portion of the Closing Costs and a one time fee.  The policy will last through the entire period of ownership.  When applying for Title Insurnace the Title company will exam the Title for any defects or clouds as they are commonly known.  Some examples are forged documents, documents of imcompetent grantors, incorrect marital statements, and improperly delivered Deeds.  Once the Title company is satisfied they will issue a policy.  … (2 comments)

real estate: The Contract Of Sale For A Home Purchase - 03/20/09 07:18 AM
The Contract for sale is prepared by the Sellers attorney, usually after a satisfactory Home Inspection has been performed.  The Contract will then be sent to the Buyers Attorney for review and the Buyers signature.  Most of the time the contract is standard, but the terms and conditions will reflect was has been agreed upon in the transaction.  From Inspection issues to any other contingencies like Mortgage, Appraisal, or Home Sell to name a few.  The Buyers attorney will carefully review the Contract and make any changes where he/she feels necessary.  Once those changes are agreed upon by the Sellers attorney … (1 comments)

real estate: A Buyers Agent Assessing The Needs Of A Buyer Client Compared To A Buyer Customer - 03/13/09 04:10 AM
Assessing the needs of a Buyer is a crucial elemnt to really understand what the Buyer is trying to accomplish.  the Agent can break it into three parts, Needs, Must Haves, and Wants.  The important thing for the Agent to remember is this assessment is based on the Buyers needs not what the Agent thinks the Buyer needs and wants.There is a differnece in determining the needs for a Buyer Client and a Buyer Customer.  The Agent works for a Buyer Client And with A Buyer Customer.If The Buyer is a Client:1) The Agent must pay full attention to the Buyers … (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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