Home buyers have many options when selecting their mortgage lender. The lowest price or best terms are not the only considerations. The key ingredients are interest rate, terms, AND service. Use the following tips to guide your selection:
Learn more about obtaining written proof that you can qualify for a loan or learn about the different types of mortgages and mortgage products.
The Role of Your Lender
The right fit between lender and mortgage products furthers your financial goals. Your lender will counsel you about the best mortgage product for your financial profile. You should be candid with your lender about the specifics of your financial information and share future goals and explore any concerns about your mortgage.
Your lender weighs how much money you have, your debt load, and your income. Other considerations should be the likelihood of a significant change in your income, future financial goals, your ability and willingness to save, your spending habits, and how mobile you will be in the near and long term.
The property itself may influence your choice. A property in need of major repairs may dictate the balance between the money for down payment and funds designated for repairs. Your lender can provide the best advice when you've provided a true picture of your situation.
Your lender provides the pathway to your mortgage by packaging information to showcase you to the underwriter. If your credit is tarnished, your lender can help you clear it up. If your credit has been damaged, your lender can work with you to design a repair strategy and obtain a mortgage at a later time.
Anthony Stokes Pereira (845) 624-8100 Ext. 188
Better Homes and Gardens Rand Realty
I can help you with every aspect of buying or selling your home because I'm experienced, because I am a Better Homes and Gardens Rand Realty Real Estate Professional . . . and because I care.
As your Better Homes and Gardens Rand Realty Sales Professional, I will provide you with the information you need to make an educated decision.
The relationship between a home buyer or seller and their agent is based on trust, shared goals and understanding. I strive to continually improve and to do this I listen and take the needs and wants into consideration.
For assistance with any of your real estate needs, please contact me, whether it's to get started on helping you realize your goals and dreams, or just to ask a question - no pressure, no hassle, no obligation- just a friendly conversation. I would welcome the opportunity to make a difference for you.
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Better Homes and Gardens Real Estate - Rand Realty, founded in 1984, is the No. 1 real estate brokerage in the Greater Hudson Valley with 25 offices serving Westchester, Rockland, Orange, Putnam and Dutchess counties. Rand has more than 800 sales associates, as well as a commercial real estate company (Rand Commercial Services), mortgage company (Rand Mortgage), title company (Hudson Abstract Services) and insurance agency (The Hudson Group Insurance Agency). The company’s Web sites are: randrealty.com, randcommercial.com, randmortgage.com, www.hudsonabstract.com and www.hudson-group.com. Rand Realty is also on Facebook and Twitter. Anthony Stokes Pereira web site www.anthonystokespereira.com . Information deemed reliable but not guaranteed.
First, you need to be pre-approved for a loan with your financial institution.
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Whether you are buying your first home, or your fourth, the process of buying a home is a detailed, time-consuming venture. At the same time, it’s an emotional period laden with difficult choices. You want to ensure that the home you purchase meets your family’s needs now, and in the future. Before you shop, develop a needs vs. wants list That’s why it’s a good idea to develop a needs and wants lists. With this list, begin with items you really need like adequate space, garage and number of bedrooms. For most people, basic needs should be considered first. After that, you could consider additional desires, if you can manage these benefits financially.
With such a list in your hands, you’re less likely to be caught up in the excitement of the pursuit. You’ll have a good idea of what you want, within you price range, and if you can afford those additional items. Get pre-approved prior to shopping Visit your financial or lending institution prior to the home buying. Quickly, you’ll know the amount of mortgage you’ll receive. Be sure to get a mortgage pre-approval in writing. Most importantly, you’ll tell sellers that you are a serious prospect.
Banks and financial institutions have developed many programs especially for home buyers, be that first-time buyers or those with equity in their homes. When you review your needs and objectives with a lending officer, you’ll be one step closer to purchasing your home. |
Anthony Stokes Pereira (845) 624-8100 Ext. 188
Better Homes and Gardens Rand Realty
I can help you with every aspect of buying or selling your home because I'm experienced, because I am a Better Homes and Gardens Rand Realty Real Estate Professional . . . and because I care.
As your Better Homes and Gardens Rand Realty Sales Professional, I will provide you with the information you need to make an educated decision.
The relationship between a home buyer or seller and their agent is based on trust, shared goals and understanding. I strive to continually improve and to do this I listen and take the needs and wants into consideration.
For assistance with any of your real estate needs, please contact me, whether it's to get started on helping you realize your goals and dreams, or just to ask a question - no pressure, no hassle, no obligation- just a friendly conversation. I would welcome the opportunity to make a difference for you.
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Better Homes and Gardens Real Estate - Rand Realty, founded in 1984, is the No. 1 real estate brokerage in the Greater Hudson Valley with 25 offices serving Westchester, Rockland, Orange, Putnam and Dutchess counties. Rand has more than 800 sales associates, as well as a commercial real estate company (Rand Commercial Services), mortgage company (Rand Mortgage), title company (Hudson Abstract Services) and insurance agency (The Hudson Group Insurance Agency). The company’s Web sites are: randrealty.com, randcommercial.com, randmortgage.com, www.hudsonabstract.com and www.hudson-group.com. Rand Realty is also on Facebook and Twitter. Anthony Stokes Pereira web site www.anthonystokespereira.com . Information deemed reliable but not guaranteed.
How to Paint a Concrete Floor
Painted floors add affordable style, but make sure you ask for advice on your project at a paint store and carefully follow instructions. Here are the general steps:
· Pick your paint. Use a floor paint specially formulated for concrete and suitable for your use.
· Test for moisture. Before you start, prepare the surface in a small out-of-the-way place. Apply the paint, allow it to dry, and scrub it to make sure it adheres.
· Prepare the entire surface. Every paint manufacturer has specific directions for prepping concrete before painting, so carefully follow the instructions.
Apply paint. Use a roller on an extension rod so you can stand up while you paint. Apply two to three coats, allowing paint to dry between layer.
Anthony Stokes Pereira (845) 624-8100 Ext. 188
Better Homes and Gardens Rand Realty
I can help you with every aspect of buying or selling your home because I'm experienced, because I am a Better Homes and Gardens Rand Realty Real Estate Professional . . . and because I care.
As your Better Homes and Gardens Rand Realty Sales Professional, I will provide you with the information you need to make an educated decision.
The relationship between a home buyer or seller and their agent is based on trust, shared goals and understanding. I strive to continually improve and to do this I listen and take the needs and wants into consideration.
For assistance with any of your real estate needs, please contact me, whether it's to get started on helping you realize your goals and dreams, or just to ask a question - no pressure, no hassle, no obligation- just a friendly conversation. I would welcome the opportunity to make a difference for you.
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Better Homes and Gardens Real Estate - Rand Realty, founded in 1984, is the No. 1 real estate brokerage in the Greater Hudson Valley with 25 offices serving Westchester, Rockland, Orange, Putnam and Dutchess counties. Rand has more than 800 sales associates, as well as a commercial real estate company (Rand Commercial Services), mortgage company (Rand Mortgage), title company (Hudson Abstract Services) and insurance agency (The Hudson Group Insurance Agency). The company’s Web sites are: randrealty.com, randcommercial.com, randmortgage.com, www.hudsonabstract.com and www.hudson-group.com. Rand Realty is also on Facebook and Twitter. Anthony Stokes Pereira web site www.anthonystokespereira.com . Information deemed reliable but not guaranteed.
In January 2010, the National Association of Home Builders predicted that remodeling would pick up, So far, the outlook is correct. Remodeling is indeed picking up again.
In May, the NAHB’s Remodeling Market Index (RMI) rose to 47.0 in Q1 2010 from 36.4 in Q4 2009. Future indicators leapt from 31.4 to 48.9. It’s the best showing in builder confidence since Q1 2006.
The RMI index represents the number of remodeling professionals who say market conditions are improving or declining. A number above 50 suggests optimism, and below 50 suggests pessimism. NAHB remodelers reported more requests for work, but tighter margins due to greater competition and consumer anxiety.
In other words, it’s a good time to remodel your home. Workers are available, and prices are attractive, but they won’t stay long at bargain rates.
“Recent improvements suggest that the remodeling market may soon reach its bottom and begin to grow in the coming months," said NAHB Chief Economist David Crowe in May. "However, professional remodelers are still operating in a highly competitive marketplace and dealing with consumers who are uncertain about the future.”
Adding to the chorus of recovery is the Joint Center for Housing Studies of Harvard University. The latest Leading Indicator of Remodeling Activity (LIRA) also points to growth that will accelerate to the double-digit range by Q1 2011.
“Absent a reversal of recent economic progress, there should be a healthy upturn in home improvement activity by year-end and into next year,” forecasts Eric S. Belsky, managing director of the Joint Center for Housing Studies.
Among the reasons experts are predicting a remodeling renaissance is a growing trend of investing in the home again, from simple replacement projects to larger-scale remodeling.
The LIRA estimates national homeowner spending on improvements for the current quarter and subsequent three quarters, and measures an annual rate of change.
ServiceMagic.com noticed a 37% leap in remodeling services between Q4 2008 and Q4 2009 in its Home Remodeling and Repair Index. By May, 2010, the company announced a 49% improvement between Q1 2009 and Q1 2010.
Among the reasons for the growth is greater spending on larger remodeling projects, as well as core home improvement projects such as window and roof replacement. Specifically, kitchen remodels were up nationwide by 191% year-over-year. Bathroom remodels increased 30 percent.
So why is home improvement on the rise? With a slowdown in housing sales, a spate of upside-down mortgages, and declining home values, homeowners chose to bloom where they were planted.
Anthony Stokes Pereira (845) 624-8100 Ext. 188
Better Homes and Gardens Rand Realty
I can help you with every aspect of buying or selling your home because I'm experienced, because I am a Better Homes and Gardens Rand Realty Real Estate Professional . . . and because I care.
As your Better Homes and Gardens Rand Realty Sales Professional, I will provide you with the information you need to make an educated decision.
The relationship between a home buyer or seller and their agent is based on trust, shared goals and understanding. I strive to continually improve and to do this I listen and take the needs and wants into consideration.
For assistance with any of your real estate needs, please contact me, whether it's to get started on helping you realize your goals and dreams, or just to ask a question - no pressure, no hassle, no obligation- just a friendly conversation. I would welcome the opportunity to make a difference for you.
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Better Homes and Gardens Real Estate - Rand Realty, founded in 1984, is the No. 1 real estate brokerage in the Greater Hudson Valley with 25 offices serving Westchester, Rockland, Orange, Putnam and Dutchess counties. Rand has more than 800 sales associates, as well as a commercial real estate company (Rand Commercial Services), mortgage company (Rand Mortgage), title company (Hudson Abstract Services) and insurance agency (The Hudson Group Insurance Agency). The company’s Web sites are: randrealty.com, randcommercial.com, randmortgage.com, www.hudsonabstract.com and www.hudson-group.com. Rand Realty is also on Facebook and Twitter. Anthony Stokes Pereira web site www.anthonystokespereira.com . Information deemed reliable but not guaranteed.
HUD's annual snapshot of American housing is an important tool for researchers to learn about housing stock and households, but it also reveals a lot about housing culture.
The 2009 American Housing Survey (AHS) shows, that despite two recessions in a decade, Americans are living larger than they were 37 years ago. Homes today have more square footage, bedrooms, bathrooms, air conditioning and other amenities, but smaller lot sizes than previous generations. The differences burgeon in newer homes built after 2007.
Interestingly, the median age of ‘the American home’ is 36 years, built in 1973, the same year the AHS began. Here are a few findings:
• Sixty-eight percent of U.S. homes are owner-occupied. Twenty-nine percent of homes are urban, 51% are suburban, and 20% are rural.
• The median size of an occupied home is 1,800 square feet, compared to 1,610 in 1985, (the earliest year this information was collected, says HUD). Owner-occupied homes tend to be larger than renter-occupied homes.
• Median lot size for single-family homes is 0.27 acres, compared to .36 acres in 1973.
• Most homes (53 percent) in 2009 boast six or more rooms. In 1973, only 39 percent of homes had that many.
• Less than half of homes (48%) had three or more bedrooms in 1973, but by 2009, 64% did.
Only 19% of homes had two or more bathrooms in 1973, while more than half of homes (51%) have them in 2009.
• Window unit air-conditioners were more popular in 1973 (30%) compared to 17% of homes with central heat and air. In 2009, 65% of U.S. homes have central air-conditioning and another 21 percent have window units.
• Newer homes (post-2007) are a median of 2,300 square feet with six or more rooms ( 65%.) Eighty percent have three or more bedrooms, and 89% have two or more bathrooms. Newer homes are also more likely to have amenities such as garage, fireplace, two or more living areas and a separate dining room.
Anthony Stokes Pereira (845) 624-8100 Ext. 188
Better Homes and Gardens Rand Realty
I can help you with every aspect of buying or selling your home because I'm experienced, because I am a Better Homes and Gardens Rand Realty Real Estate Professional . . . and because I care.
As your Better Homes and Gardens Rand Realty Sales Professional, I will provide you with the information you need to make an educated decision.
The relationship between a home buyer or seller and their agent is based on trust, shared goals and understanding. I strive to continually improve and to do this I listen and take the needs and wants into consideration.
For assistance with any of your real estate needs, please contact me, whether it's to get started on helping you realize your goals and dreams, or just to ask a question - no pressure, no hassle, no obligation- just a friendly conversation. I would welcome the opportunity to make a difference for you.
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Better Homes and Gardens Real Estate - Rand Realty, founded in 1984, is the No. 1 real estate brokerage in the Greater Hudson Valley with 25 offices serving Westchester, Rockland, Orange, Putnam and Dutchess counties. Rand has more than 800 sales associates, as well as a commercial real estate company (Rand Commercial Services), mortgage company (Rand Mortgage), title company (Hudson Abstract Services) and insurance agency (The Hudson Group Insurance Agency). The company’s Web sites are: randrealty.com, randcommercial.com, randmortgage.com, www.hudsonabstract.com and www.hudson-group.com. Rand Realty is also on Facebook and Twitter. Anthony Stokes Pereira web site www.anthonystokespereira.com . Information deemed reliable but not guaranteed.
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The relationship between a home buyer or seller and their agent is based on trust, shared goals and understanding. I strive to continually improve and to do this I listen.
Better Homes & Gardens Real Estate/Rand Realty
Anthony Stokes-Pereira - Provides Personal Service With A Difference!!
When thinking of buying or selling Real Estate, having the right real estate agent means having an agent who is committed to helping you buy or sell your home with the highest level of expertise in your local market. This means also to help you in understanding each step of the buying or selling process. This commitment level has helped me build a remarkable track record of delivering results.
Nothing is more exciting to me than the gratifying feeling I get from helping my clients meet their real estate needs. You can count on me to always do what's in your best interest. I pride myself on being honest, trustworthy, and knowledgeable in the real estate market. I know how important it is to find your dream home or get the best offer for your property. Therefore I will make it my responsibility to help you achieve those goals.
I am fully committed to providing you with a noticeably higher level of service at all times while demonstrating knowledge, friendliness and professionalism throughout the transaction. The blending of my experience and strength of Prudential Rand Realty assures you the competitive edge in today's real estate market. My pledge to you is to use all resources available to benefit you that will make your real estate experience as easy and as stress-free as possible.
I am proud to be part of the Better Homes and Gardens Real Estate/Rand Realty team of real estate professionals. Backed by the strength and support of the entire Better Homes and Gardens Real Estate/Rand Realty organization, I pledge to serve you with the highest standards of professionalism, courtesy, and responsiveness. Through years of innovation, service and support, Rand Realty has become a leader in the real estate industry. It will be my privilege to carry on these same traditions while working on your behalf.
Specializing In:
All of Rockland and Orange Counties
For assistance with any of your real estate needs, please call or visit me, whether it's to get started on helping you realize your goals and dreams, or just to ask a question. I would welcome the opportunity to make a difference for you.
For more information please visit me at www.anthonystokespereira.com or call or text me at 845-538-7021
Anthony Stokes Pereira
Better Homes and Gardens Real Estate/Rand Realty
Office: (845) 624-8100 Ext. 188
Cell: (845) 538-7021
Email: anthony.stokespereira@randrealty.com
Website: www.anthonystokespereira.com
Below you can read a small selection of the many positive comments and remarks that I regularly receive from my clients
- Garnerville, New York
Anthony thank you for taking such good care of me and the sale of my house. This could have been a very difficult and frustrating experience had it not been for your expertise and persistent hard work. I was impressed with your micromanagement of the details which I know facilitated the whole process in the most painless manner possible. Your advice was sound and the results are 'in the pudding', or in this case, the offer. Thanks again - since you were also the agent helping me find my dream home, I'll be sure to contact you if I want to sell or buy again.... With warm regards and wishes for your continued success!"
- Spring Valley, New York
Thanks for all your help in preparing, readying and eventually selling our Co-Op in Hillcrest Point, Spring Valley, New York. I think and I'm not alone in this, we definitely chose the right agent, you, in taking on that challenge. I don't believe any other agent would have been so focused and motivated in so many tasks. Thanks again for keeping us motivated from start to finish. Well done Mr. Anthony Stokes Pereira!. Especially in the market we were dealt with!"
- Pomona, New York
Anthony was extremely warm, pleasant and professional. I think he showed me about 50 homes in about two years and he did not walk away from me, he always told me to be calm and to stay focus. If I need to buy or sell again, he will always be my agent
- Hillcrest, New York
Anthony is an honest, realistic, and professional Agent. With so many emotions involved in buying your first home, it's important to have someone like Anthony to keep you on the right track. He is capable of keeping you very calm, even during the very difficult and stressful times of the transaction. More importantly, he is very responsive, answering all of the little questions that we had - this made the whole deal seem effortless and easy. Thank you Anthony
- Spring Valley, New York
Anthony was extremely warm, pleasant and professional. When ever I need to buy again or sell, he will be the person I call.
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