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Phyllis Lerner

Westchester County Home Buyer's Representation by Phyllis Lerner, Broker/Realtor

"Service is my #1 priority!" - For Buyers

I am a life long Westchester County resident with an intimate knowledge of the local real estate market, it's various communities and neighborhoods.

As Your Agent, I Will

Establish a search profile based on your needs and wants for a new home.

Assure that you see all the properties within Westchester's Hudson River Valley towns and villages that meet your criteria.

Obtain and present all facts and information regarding the properties which interest you.

Guide you through the entire home buying process, from finding homes to look at, to getting the best financing and finally assist you and your attorney at closing.

Make sure you don't pay too much for your new home and help you avoid costly mistakes.

Provide you with information on home inspection procedures and services.

Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.

Please call me today for a free, no obligation consultation at 914-438-7556.

Thank you for your consideration.

Phyllis Lerner, Real Estate Professional
Legends Realty Group, LLC
358 North Broadway
Sleepy Hollow, NY 10591

www.westchester-real-estate.us
914-438-7556

Contact Info

Phyllis Lerner
Licensed Real Estate Sales Person



Cell 914-438-7556
Email | Website


Mortgages, Short Sales & Foreclosures Information, Tools & Resources

CLICK HERE to view the latest information & videos related to FHA Mortgage Programs... also click on any of the graphics below to explore what mortgage modification programs are available, and what help and information is available for first time home buyers, for remodeling projects, and more...

Click on any of the icons / graphics to learn more about these programs...

Ginnie Mae Mortgage Programs Freddie Mac Mortgage Programs

New York State Mortgage Programs Federal Housing Authority Mortgage Programs

Official Federal Government Web Site

Preventable foreclosures... and why loan servicers do not want to avoid them...

Many loan servicers are not acting in the best interest of defaulting home owners which could be helped with a loan modification... instead of modifing these loans they rather foreclose on them... read the full story here... but of course there are as always situations where a shortsale or foreclosure cannot be avoided no matter what... however the preventable ones should (must) be prevented...

And here are in a nutshell the steps that Congress should (must) be mandating to all lenders and servicers, especially the ones that took bailout monies.

A recent NCLC report outlines the following action steps to avoid preventable foreclosures:

  • Avoid irresponsible lending through regulation of loan origination
  • Mandate loan modifications before a foreclosure
  • Fund quality mediation programs
  • Provide for principal reductions on existing loans in the Administration's Home Affordable Modification Program (HAMP) and through bankruptcy reform
  • Increase automated and standardized loan modifications for borrowers in default and provide a safety net for borrowers for whom a standardized modification is not affordable or who later default, through no fault of their own, on a loan modification
  • Ease accounting rules for modifications to facilitate standardized review, encourage long-term modifications, and enhance servicer recovery of the expenses incurred in performing a modification
  • Require more transparency and uniformity in how servicers report loan modifications to investors
  • Limit fees charged borrowers in default to reasonable and necessary ones

    ABOUT THE NCLC

The National Consumer Law Center is a non-profit organization that seeks marketplace justice on behalf of low-income and vulnerable Americans. NCLC works with, and offers training to, thousands of legal-service, government and private attorneys, as well as community groups and organizations representing low-income families. Their legal manuals and consumer guides are standards of the field. Learn more and find a link to the new report on our Web site: http://www.consumerlaw.org.

Free Resources, Tools, Information for Home Buyer's & Seller's in Westchester County NY

Please visit

http://www.westchester-real-estate.us

if you are looking for comprehensive, free, no obligation information, resources, tools, trends and news regarding buying and/or selling residential and commercial real estate in Westchester County New York.

My newly re-designed Westchester County Realty Web Site web site will be available soon featuring more and new tools, resources and much better navigation. Please plan to visit it after October, 15th 2009.

Below please see my current property listings for sale:

NY State & Federal Home Mortgage Programs, Help & Information


CLICK HERE
to view the latest information & videos related to FHA Mortgage Programs... also click on any of the graphics below to explore what mortgage programs, help and information is currently available for first time home buyers, for remodeling projects and more...

American Recovery and Reinvestment Act of 2009 Freddie Mac Mortgage Programs Ginnie Mae Mortgage Programs

New York State Mortgage Programs Federal Housing Authority Mortgage Programs

Official Federal Government Web Site
Click on any of the icons / graphics to learn more about these programs...