Even after the contract is signed and most contingencies met, there are many details to If you didn't get a mortgage credit approval, obtaining financing should be a top priority so you can meet the date specified in your sales contract. Contact your Financial Services for mortgage products, so you're sure to find the mortgage that's best for you. Ask all the questions you like so that you clearly understand what your financing options are. In addition to mortgage financing, the homeowner's insurance and title insurance necessary to complete your home purchase are also offered as part of Rand Vantage Services. | |
Home Protection Plan If the home you're purchasing doesn't come with a Home Protection Plan, you may want to consider one. After all, breakdowns happen even in the best of homes. The dishwasher or something else goes on the blink - and these breakdowns are not typically covered under homeowners' insurance. A Home Protection Plan can relieve you of these worries. The plan offers replacement or repair protection for covered major appliances and systems, with qualified contractors only a phone call away, 24 hours a day. | |
Q. How many homes should I plan to view and how should I make the final decision? | |||
A. Generally you should view a number of homes so you can become familiar with what you can expect to get for your money. When you find a home you really like, it's a good idea to go back and look at it at a different time of day. This will give you greater insight into what it will be like living in the home full time. | |||
Q. How can I check my credit rating before I apply for a mortgage? | |||
A.Your credit rating is based on a combined score generated from three credit bureaus who look at your credit history, amount of credit available, and recent inquiries to determine what's called your FICO score. A smart way to go is to have your Bank check your rating for you and, if appropriate, suggest ways for you to improve your credit score. For a small fee, you can get your score or review your credit report by going on-line to www.myfico.com or contacting the credit bureaus directly at: Equifax, http://www.equifax.com/ (1-888) 766-0008 | |||
Q. Why should I consider paying points? | |||
| A.Buyers often choose to pay a one-time charge called mortgage "points" in exchange for a lower interest rate. Usually paid at closing, each "point" costs 1% of the mortgage amount, or $2,000 on a $200,000 loan. The lower rate reduces the monthly mortgage payment, and points paid in conjunction with the purchase of a home are generally tax-deductible in the year they're paid (see tax adviser). Monthly savings will often exceed what was paid in points in just a few years' time. | |||
Q. What is the purpose of an attorney review? | |||
| A. In states where the real estate agent writes the contract, there may be an attorney review period. This specified period allows the attorney to cancel the contract or request it be altered. Both buyer and seller would then have to agree to the revised contract in writing. During this period, either party may void the contract without penalty. | |||
Q. What is title insurance and why do I need it? | |||
| A. Basically, title insurance assures that you have clear title to the home you're purchasing. A title search is the primary component of "due diligence," a process that will be started either by your attorney, if you are using one, or by the title company you choose. The title search determines whether the seller actually owns the property and if there are any claims against it | |||
Q. What happens if the house I want to purchase does not appraise at the amount expected? | |||
A. If the house doesn't appraise at the amount expected, other alternatives are typically found. A second appraisal may be sought, the buyer may be willing to put more money down, the seller may adjust the price or offer other concessions, or the two sides may negotiate to split the difference between them. | |||
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Although a vacant house presents certain challenges, it does not need to be difficult to sell.
Anthony Stokes Pereira can be reached at (845) 770-2188. Prudential Rand Realty is an independently owned and operated member of Prudential Real Estate Affiliates, Inc., a Prudential Financial company. Equal Housing Opportunity.
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Prudential Rand Realty is on the cutting edge once again by offering home buyers the chance to search and view 
property listings on their cell phones, personal digital assistants and other mobile devices. The new service, known as RandMobile.com, will provide consumers with remote access to 100,000 detailed property listings from the Westchester-Putnam Multiple Listing Service and the Greater Hudson Valley Multiple Listing Service.
Recognizing that home buyers in this digital age need information instantly, this service allows them to get information on virtually any home they may drive by, or see in the local paper on demand. Prudential Rand Realty has made home searching easier by delivering the information home buyers want - on demand.
"We've made property searching easier than ever before, allowing consumers to save time and look for potential homes during their commutes to and from work, on their lunch hour, on the bus, train or subway - virtually anywhere and at any time," said Matt Rand, the managing partner of Prudential Rand Realty.
Prudential Rand, founded in 1984, operates 20 offices serving Westchester, Rockland and Orange counties.
Features of the service include:
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I am always available to assist my clients in discover the Greater Hudson Valley. Being a full time sales associate, I stay diligent giving each of my clients' individual and professional service.
Homes and 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:
Anthony Stokes Pereira
Better Homes and Gardens Real Estate/Rand Realty
Office: (845) 770-2188
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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