The Heritage Hills Condos for sale list has just been updated on our website. So for all those looking for a convenient life style that the Heritage Hills Condominiums in Somers NY has to offer please visit us at our Heritage Hills Condos resource page. We have detailed information and professional pictures of the complex.
Brewster NY Real Estate has many different Homes for sale but this is a one of a kind Beautiful Colonial in Sought After Blackberry Hill with Manicured Lawns & Mature Plantings. Community Pool, Tennis, Playground & Club House. This Mint 4-Bed, 2.5 Bath Home Features Hardwood Floors, Kitchen with Sliders to Trex Deck. Family Room with Fireplace, Full Finished Basement with mud room entry from garage, storage room, weight room, game room & sliders to back yard. Town Water & Sewer, 5-Mins to Schools, Train & Highway, 1-Hr NYC. School Bus Stop out right out your front door!
Contact the Lawrence Walsh Group for first class representation and exceptional client services. |
The Home Valuation Code of Conduct has been wreaking Havoc on consumers and the real estate industry since the agreement went in place on May 1, 2009. Home Valuation Code of Conduct (HVCC) Overview
HVCC
_________HVCC is a new agreement between the Federal Housing Finance Agency (FHFA) and the New York Attorney General’s office to help enhance the integrity of the home appraisal process in the mortgage finance industry by implementing policies that govern the way appraisals are ordered for all single-family mortgage loans that are sold to Fannie Mae and Freddie Mac.
Simply put, HVCC is intended to create a communication barrier between the appraiser and those who derive their income from the successful closing of a loan.
As defined by the federal agencies, the “loan production staff” consists of those responsible for generating loan volume or approving loans, as well as their subordinates.
An official statement from the National Association of Mortgage Brokers (NAMB) -
A revised HVCC released on December 23, 2008, by New York Attorney General Cuomo is a de facto regulatory action, failing to follow necessary regulatory procedure.
The Home Valuation Code of Conduct (HVCC), as written, goes too far. It will impair consumer choice and impede competition, ultimately costing consumers more money and hurting small businesses in a way simpler, more effective, less burdensome solutions would not.
I recommend everyone watch this - Read More...
You're driving down a street and see a really pretty home with a For Sale sign on the front lawn. You write down the broker's information and can't wait to get home to take a look at the listing details.
If you have an iPhone, you can get the information on the spot.
Zillow.com released a free iPhone app last month, enabling consumers to get the low-down on more than 88 million homes - and not just the ones for sale.
The app is GPS-powered so the map follows you as you stroll, with price estimates popping up along the way. Pass a sale sign and you can access pricing, number of bedroom and baths, square footage and other info.
"House-hunting is, inherently, a mobile experience," said Zillow's CEO Rich Barton in announcing the launch.
This will add a whole other layer to that Sunday afternoon perambulation.
NEXT: Find profitable investment deals
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Associate Broker Team Brewster NY Real Estate, Westchester, Putnam & Dutchess County NY MLS, Patterson NY, Somers NY, North Salem NY, Bedford NY. We Welcome & Pay For Realtor Referrals.
Full Buyer & Seller Representation in both Connecticut and New York.
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Westchester & Putnam County New York and near western Connecticut area presents something for everyone. Spectacular lakes and beaches, plentiful shopping, the Long Island Sound, equestrian farms, waterfront homes, parks & playgrounds, public & private golf courses and an easy commute to New York City have made Westchester & Putnam Counties New York & western Connecticut area one of the most sought after communities on the east coast of the United States.
Conveniently situated just north of New York City, residents here take pleasure in all the country life has to offer. Here in the “country” you'll enjoy great neighborhoods, backyard barbeques, great schools, fresh air and plenty of room to spread your wings.
Looking for a deal on that special property? Then browse all our Handyman Specials, Foreclosures, New Homes, Waterfront Homes, Log Cabin Homes, 55+ Adult Community or Equestrian Properties.
Contact the Lawrence Walsh Group for first class representation and exceptional client services.
Call us today at 914-248-1800 or contact us.
Planning on selling your home? According to the National Association of Realtors, 86% of home buyers perform most of their home searches on the Internet. If you choose the Lawrence Walsh Group, you'll know your home is receiving the maximum exposure needed in today's market. We utilize the latest technology, syndicated advertising and strategically placed blog's and web sites to drive thousands of buyer's each week here to our primary website, www.nyccountryhomes.com, that’s why we're consistently one of the top ranked sites by buyer's and seller's in all of the Westchester & Putnam County NY real estate market. No other real estate agent in Westchester or Putnam County NY area can expose your home to more potential buyers. For more information visit our Selling your home page.
Lawrence Walsh has been a distinguished Realtor and has exceptionally represented both buyer’s and seller’s in all types of real estate transactions in the greater Westchester and Putnam County New York area. He has assembled an incredible team of professionals who are consistently ranked as one of the top Realtors Groups in Westchester, Putnam & Dutchess Counties New York. Holding dual real estate licenses in both New York and Connecticut and licensed as a Mortgage Loan Officer, he and his team are uniquely qualified to help you find and finance your next dream home in either state. To those who value a relationship with a professional Realtor, we at the Lawrence Walsh Group extend a warm welcome and open door.
Since 1973 the RE/MAX network has grown to include 63 countries, eight territories on six continents. Today, REMAX has more than 6,149 offices through out the world. For over 25 years REMAX has remained focused to serving the needs of their clients by selectively recruiting and training only the best and most professional brokers in the world, allowing REMAX to continually live up to it's claim "outstanding agents, outstanding results". With over 120,000 associates REMAX is the most recognizable and successful real estate firm in the world.
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Dutchess County NY is a suburban county about 80 miles north of New York City. The population of Dutchess County was estimated at 292,706 in 2007. Dutchess County has two cities, 21 towns, 8 villages and 40 hamlets within its 825 square miles of land.
To search a specific town not listed above try our advanced search.
Looking for a deal on that special property? Then browse all our Handyman Specials, Foreclosures, New Homes, Waterfront Homes, Log Cabin Homes, 55+ Adult Community or Equestrian Properties.
Dutchess County NY is located between the Hudson River and the New York-Connecticut state line. This county has eight parks along with three nationally protected areas; Eleanor Roosevelt National Historic Site, Home of Franklin D. Roosevelt National Historic Site and Vanderbuilt Mansion National Historic Site. In Dutchess County, the taxes on real estate are generally lower than adjacent counties. The Metro North Railroad Harlem line makes stops at stations throughout the county along with the convenience of I-84, Route 22 and the Taconic State Parkway, makes this area ideal for commuters into lower Westchester and New York City.
Putnam County is located 60 miles north of New York City in the heart of the beautiful Hudson Valley. Its population was about 95,745 according to the 2000 census. The county consists of 11 towns in its 231.28 square miles.
To search a specific town not listed above try our advanced search.
Looking for a deal on that special property? Then browse all our Handyman Specials, Foreclosures, New Homes, Waterfront Homes, Log Cabin Homes, 55+ Adult Community or Equestrian Properties.
Putnam County is just an hour north of New York City. As a result, many come here to live in the country and work in the city. The Metro North Railroad has many train stations throughout the county. The train takes you right into Grand Central Station making it easy for commuters and those traveling to NYC.
Westchester County NY is a suburban county just north of New York City. The population of Westchester County was estimated at 951,325 in 2007. Westchester County has 6 cities, 19 towns and 20 villages within its 432.82 square miles.
Westchester County NY has a population of about 950,000 residents in its 500 square miles. Westchester County has 6 cities, 19 towns and 20 villages. The Metro North Harlem line runs up through Westchester into Putnam County. Major highways can be found throughout the county, including: I-87 (New York State Thruway), I-95, I-684, I-287 and Parkways: Cross County Parkway, Bronx River Parkway, Saw Mill River Parkway, Sprain Brook Parkway, Hutchinson River Parkway and the Taconic State Parkway. Westchester County is within the beautiful Hudson River Valley so why not live in the country and work in the city?
Brewster NY is the second largest town in Putnam County NY and as such offers a large selection of town houses and condominiums complexes.
Blackberry Village Condos in Brewster NY
Brewster Woods Condos in Brewster NY
Eagles Ridge Condos in Brewster NY Field Stone Pond Condos in Brewster NY Holly Stream Condos in Brewster NY Reed Farm Condos in Brewster NY
Can The Lawrence Walsh Group help me get a mortgage?Yes, we at The Lawrence Walsh Group have Licensed Mortgage Loan Officers on staff through an exclsuive affilation with Vision Capital Associates, LLC., who can assist you in obtaining any type of mortgage. It is common that many of our mortgages are placed through Wells Fargo, however, we also have strong realtionships with other reputable banks and lending institutions which provides us with a greater selection of mortgage products to meet your specific needs.
Do I need to use your mortgage services when your representing us in a real estate transaction?No, you can use our services as a licensed real estate broker in New York or Connecticut without using our mortgage related services. You can also use our mortgage services in New York or Connecticut without using our real estate services. However, many buyers find it very convenient when selecting us, to represent them in both their real estate purchase and to assist them in mortgage financing. We've chosen to provide both services at the recommendation of many past clients looking for a convenient "one-stop" solution in this busy and time constrained world.How can I determine what mortgage amount I might be eligible for?Based on your income, your current debts and estimated down-payment, we can usually help you determine the maximum mortgage amount for which you could qualify for the same day, you may also reference our mortgage calculator when calculating your mortgage requirements.What is the difference between a pre-qualification analysis and a pre-approval application?A pre-qualification analysis is the result of information shared between a mortgage lender and a potential mortgage borrower and usually does not incorporate information obtained from a credit report. The end product for a pre-qualification analysis will be a "ballpark" estimate of the maximum mortgage amount for which you may qualify. Typically there is no cost or commitment on behalf of either party for a pre-qualification analysis. The process takes less than 30 minutes and can be done by phone.
A mortgage loan pre-approval application typically results in a written loan decision following a complete mortgage application. Many lenders will require an application fee. You can typically apply for a pre-approved mortgage prior to signing a purchase agreement for a home. Many lenders will also allow you to lock your pricing at the time you apply for a pre-approved mortgage. A pre-approval can also add to your negotiating strength when you are ready to make an offer on a home.What is the minimum down payment for conventional, FHA, and VA loans?While conventional loans (those not backed by a government agency) usually require a minimum down payment of 5%, some mortgage companies have low-and no-down payment programs available.
FHA Mortgages, insured by the Federal Housing Administration, are available for as little as 3.5% down.
VA Mortgages, guaranteed by the Department of Veterans Affairs, have a no-down payment option for eligible veterans buying a home.
Please contact us for specific programs and down-payment requirements.How do I apply for a mortgage?Typically we will take your application by phone or in person. The application interview typically takes only 30-60 minutes. To start the process simply complete the pre-qualification form at the bottom of this page or call us at 914-248-1800 and ask to speak with a Mortgage Loan Officer. How do I determine which mortgage product will meet my needs?Everyone's situation is different. Most people will benefit from either consulting by phone or in person with our mortgage professional who is committed to discovering your needs, and helping you match those needs with a suitable mortgage product.Do most mortgage lenders provide construction loans?Many mortgage lenders have construction-to-permanent financing loan programs. Programs will vary with each individual lender. Typically, a construction loan is an interim loan secured by the property on which a dwelling is being constructed. The funds are usually disbursed throughout the construction period and replaced with permanent financing once the construction is completed. You may also choose to utilize separate lenders for the construction financing and the permanent financing.Will there be a fee charged at the time of application?Application fees vary according to each lender. This fee is generally used to cover the cost of the appraisal and credit report and other items required to process the loan.Do I need to fill out an application?Yes, but some lenders will allow you to complete the application verbally right over the phone. A copy of your application will be provided at the closing, which you will need to review and sign at that time.What documents will typically be requested when I make application for a first mortgage loan?Frequently lenders will request: W2's, pay stubs, bank statements, and the purchase contract on the home you are buying. Documentation requests vary by loan type and lender.Do most lenders require a homeowner's inspection?No, a homeowner's inspection is generally requested by the buyer as a condition to the purchase of the home. However, we recommend that our home buyers make the purchase of their home contingent upon a homeowner's inspection. A homeowner's inspection should not be confused with an appraisal, which is required by most mortgage lenders in order to support the amount of the mortgage loan.Registered with NYS / CT State Banking Department. All loans arranged through third party providers
Click here: To search all Westchester NY. Dutchess NY & Putnam NY County MLS listings or use our quick search tool below.
Testimonials
I know Larry is my Brother so you may not want to believe this, but he really did do a great job selling our house. You're certainly not the best looking one of us, but when it comes to real estate, you're pretty sharp. In Loving Memory of My Brother Doug Walsh 12/18/1970 to 8/2/2008 Brewster, NY
Dear Linda & Larry, We appreciate the really fine service that you provided. We could not have chosen a better Realtor. Thank You. Tom & Lyn Sirignano Brewster, NY
Dear Larry & Linda, Thanks for sticking with it and getting our new spec house sold, especially in this market. You've earned a client for life. Your Friends, Greg & Nina Garcia New Fairfield, CT
Linda & Larry made buying our first home easy. They walked me through the entire process and explained everything along the way. Thank You! Gary Smalley Carmel, NY
We would never purchase a property or enter into a real estate deal without the trusted representation of our broker The Lawrence Walsh Group. Harvey & Freida Goldberg, Waccabuc NY
Lisa had a buyer for our home in less than two weeks! I couldn't believe how fast she got it sold. Respectfully, The Mullin's Bedford, NY
Thank you Linda for taking ALL my calls and answering ALL my questions. Marion & Mike Levey Pound Ridge, NY
Linda & Larry, have to be without a doubt, some of the nicest people I have ever met. Truly, Jen Melillo Mount Kisco, NY
Everything Larry said he would do when he listed our house he did! It's nice when someone actually does what they say. God Bless, Joseph McKeown Patterson, NY
I love that Linda gave me frequent updates of all the sales activities being done to sell my house. Cordially, Tippy & Dan Cleary Katonah, NY
We tried selling our house on our own to save on the commission. After a lot of frustration and wasted time we listed with Linda and Larry. He got our house got sold just in time for our transfer and for a price that more than made up for his commission. Sincerely, Betty & Joe Oles Somers, NY
Dear Lisa, Thank you for working so tirelessly to find us our new home. It's just what we always wanted. Gratefully, Betty & Peter Becker Ridgefield, CT
Thanks again Lisa for helping us get our house sold and finding a larger one for our family. You are the best! Thanks so much, The Murphy's Pawling, NY
Larry, Linda & Lisa believe in staying in touch with us regarding all updates, maybe that's why our home sold in less than 90 days Great Job! -Pasquale & Patricia Santello New Fairfield, CT
We can't tell you how much we appreciate all you have done for us. As Realtors, you went above and beyond to help us sell our house, especially in the current market. With sincere gratitude, Jeanne & Steve Zyrkowski Mahopac, NY
Hello Larry, Thank you so much for helping me get my townhouse ready for sale. The people you recommended worked out excellent. –Eleanor Brewster, NY
Hi, Just wanted to give all of you a big thank you for all the help in selling and buying our homes. It was a pleasure working with such professional. I will surely recommend your sales team to anyone I know selling or buying. --Steve and Stacy Gajda, Brewster NY | Brookfiled CT
"Be who you are and say what you feel because
those who mind don't matter and those who matter don't mind".
Theodor Geisel aka: Dr. Suess
"People don’t care how much you know
until they know how much you care".
John C. Maxwell
P 23:1
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