Brooklyn, NY

Cleaning off the Dirt to Reveal the Beautiful posted by Feng Shui LI

As a New York City artist and Feng Shui consultant Laura Cerrano appreciates the various forms of how fellow artist express the way they see the world though their eyes. While researching mural ideas for a local project in Brooklyn NY she will be taken part in, Ms. Cerrano came across this amazing video on You Tube.

It's called "The Reverse Graffiti Project," and it really shines light on how we treat our world while still making beautiful and very creative artwork.

Enjoy!

Feng Shui LI

*Carole Provenzale has been a Certified Feng Shui Consultant since graduating from the Country's very first School for Feng Shui Studies that was licensed and accredited in 1997. Carole provides on site Feng Shui Consultations Long Island NY, Queens New York and New York City -Hamptons NY.

New York City Feng Shui Manhattan

New York Feng Shui Manhattan New York City Manhattan NYC Consultant Laura Cerrano is a Second Generation Certified Feng Shui Consultant who has trained with Feng Shui Long Island and Masters from across the Country including Shamans to incorporate Native American beliefs and Space Clearings into her Feng Shui Consulting Firm, Feng Shui Manhattan New York City NY. After co-consulting on site for many years Laura began her own business in 2000 and has a strong client base in New York City, New York, Long Island NY, Queens, Brooklyn, New Jersey and the rest of the New York Tri-State area.

Copyright © 2012 Feng Shui LI and Feng Shui Manhattan, All Rights Reserved.

It’s something many of us have seen before. You list the property, market it, find the perfect buyer, and then the purchaser’s lender requests an appraisal. If it doesn’t appraise, the buyer may not be able to get a loan. But, it’s not always that simple. What if the purchaser can get the loan they need to acquire the property?

We listed a beautiful, two family home in Brooklyn late last year for over $1.1mil. The property was on the market less than two weeks when a buyer who had been searching for over six months made a full price offer. We negotiated the deal, did the handshake, and sent it to the attorneys to paper the contract, which was then fully-executed. The contract of sale did not contain an appraisal contingency. There was a financing contingency, so let’s take a look at the details of that provision. The contingency stated that the purchaser must be able to obtain a loan, at the prevailing rate of interest, from an institutional lender, for $500k, which would result in an LTV of roughly 43. Most lenders would be willing to do an LTV of 80, but the buyer’s didn’t need it.

So, it’s time for the appraisal, which to everyone’s surprise came in almost $225,000 short of the purchase price. So what do we do now? The buyer wants to renegotiate, the seller refuses to. The mortgage contingency has been satisfied as the lender will loan up to $740,000, almost 50% more than the buyer actually requires. The purchaser has a $75,000 earnest money deposit in escrow.

So what would you do listing and buyer’s agents?

Silent Saturday: Winter walk on Brooklyn NY Beaches by Feng Shui LI

Brisk! is how describe the New York temperature this weekend. After a Feng Shui consultation in Brooklyn NY, Laura Cerrano of Feng Shui Manhattan stopped off at one of the local beaches and captured a photo of a mother and her son walking along the shore line.

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*Carole Provenzale has been a Certified Feng Shui Consultant since graduating from the Country's very first School for Feng Shui Studies that was licensed and accredited in 1997. Carole provides on site Feng Shui Consultations Long Island NY, Queens New York and New York City -Hamptons NY.

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New York Feng Shui Manhattan New York City Manhattan NYC Consultant Laura Cerrano is a Second Generation Certified Feng Shui Consultant who has trained with Feng Shui Long Island and Masters from across the Country including Shamans to incorporate Native American beliefs and Space Clearings into her Feng Shui Consulting Firm, Feng Shui Manhattan New York City NY. After co-consulting on site for many years Laura began her own business in 2000 and has a strong client base in New York City, New York, Long Island NY, Queens, Brooklyn, New Jersey and the rest of the New York Tri-State area.

Copyright © 2012 Feng Shui LI and Feng Shui Manhattan, All Rights Reserved