#MORTGAGE & LOANS BROKERS NYC

[cmortgage]

You Better Lister to Mortgages and Loans Brokers NYC

Navigating the mortgage and loan jungle in New York City can be challenging due to sky-high property prices and complex financial terminology. Mortgage and loan brokers play a crucial role in helping individuals and businesses secure financing for real estate purchases and refinancing. R&J Mortgage & Loan Brokers NYC is a trusted partner in the city, offering personalized financial solutions tailored to clients' specific needs and goals.

[beardedmrbean]

I testified Thursday against the City Council Fair Chance for Housing Act, my second time in Council Chambers. The first was in May 2019 when I spoke personally and passionately about protecting New York City’s specialized high schools.

The bill, also known as Int. 632, is another City Council measure designed to protect lawbreakers at the expense of the law-abiding. It would prohibit criminal background checks on prospective tenants and buyers of residential housing.

After testifying, I left City Hall. It wasn’t until hours later that I heard the racist response to my testimony from Douglas Powell, who spoke on behalf of city-funded nonprofit Vocal-NY. He and his organization want individuals such as Powell, who has a criminal record and is a level 2 registered sex offender, to be able to access housing without criminal background checks.

His testimony laid out his criminal-justice experience and his lived experience of anti-black discrimination at Asian stores — culminating in a racist attack on the Asian community where he lives. In his three-minute tirade, he called Queens’ Rego Park the most racist neighborhood because it is majority Asian. “It’s not their neighborhood — they from China, Hong Kong,” he said. “We from New York.” 

Convicted sex offender spews anti-Asian slurs during NYC Council meeting — and pols do nothing to stop him

This anti-Asian, perpetual-foreigner, “You don’t belong here” rhetoric is dangerous hate speech that incites violence. Unprovoked attacks on Asian New Yorkers are on the rise.

Powell’s racist rant was delivered in the presence of three councilmembers without interruption or admonishment. Committee chair Nantasha Williams even thanked Powell for his testimony. It’s as if his anti-Asian hate speech in the chamber was unremarkable white noise. It took hours, after online pressure from constituents, for those present to issue generic disapproval statements, retweeting other electeds’ condemnation, and say “both sides” share blame for systemic racism.

Like many Asian Americans, I am a property owner and small landlord. When I graduated, my parents encouraged me to live at home, pay off my debt and save to buy a property. I lived at home for a few years and paid off my student loans as quickly as I could. Decades later, I bought my first investment property. I rented mostly to young men and women at the start of their careers. As a landlord, I treated my tenants the way I wanted to be treated: fairly and responsively. I’m fortunate real-estate brokers and condo management could conduct criminal and credit checks, not only for my benefit but for the safety of neighbors in the building.

Powell spewed hateful, anti-Asian rhetoric at the council meeting.Stephen Yang

Asian Americans have the highest rate of home ownership in the city, 42%. The stability of owning property as a means of building wealth is deeply rooted in Asian culture. New York’s pro-tenant policies, especially the Emergency Rental Assistance Program, have resulted in heartbreaking stories from small-property landlords. The laws, intended to help tenants, some of whom lost jobs during COVID, disproportionately hurt immigrant landlords. Not only have they not been paid rent for three years; some living in multi-family units are terrorized by tenants who know they can’t evict. Many Asian property owners are working class, and their modest rental income helps pay for the mortgage, property taxes and unit upkeep.

While bad tenants existed before this bill, it would make things worse. Private-property owners should not bear the burden of unknowingly renting to convicted arsonists and murderers and letting them live next door to New Yorkers who want a safe place after a long day braving our unpredictable city streets and subways. We worry about higher insurance, liability in endangering other tenants and frivolous lawsuits in tenant-friendly courts. That becomes a cost-benefit question for owners — whether it’s worth it to rent with little profit.

Like most landlords, I don’t live in the building I rent, but I do worry about the tenants I rent to. I think of the kindhearted young Asian professional who pleaded with me to let her have a Hurricane Sandy rescue dog. I worry about the wheelchair-bound young man grateful to find independence in living in an accessible building and appreciative of me letting him install an automatic door opener for his convenience. I want them to have the peace of mind that when they return to their small haven in the city, they will be safe, among neighbors who won’t pose a risk to them.

The fight to save specialized high schools that brought me to council the first time galvanized many Asian voters who had never been involved in city politics before. I am one of those newly politicized voters. This year, I co-founded Asian Wave Alliance to make sure that Asian-American New Yorkers’ needs are not ignored by the very councilmembers who sat quietly and listened to Powell’s racist attacks.

This time, I went to council to convince the Committee on Human and Civil Rights and the bill’s sponsors that the Fair Chance for Housing Act is not “fair” at all to small landlords and already-existing tenants. Getting rid of reasonable safeguards like criminal background checks is not “fair” to the city’s law-abiding citizens and will put people in danger. True fairness requires listening to all New Yorkers and prioritizing safety and transparency. 

[moreasoldier]

Business Name: R & J Capital Group LLC

 Address: 116-16 Queens Blvd #204, Queens, NY 11375, United States 

 Website: https://www.getmemortgage.com 

Phone Number: +17185207000 

 Email: info@getmemortgage.com 

  Having credit used to be the only way to get your hands on a normal mortgage before R&J entered the NY loans market. R&J are the experts when it comes to securing home loans for absolutely anyone of any financial standing. No income, no problem- you heard right. Call our Queens, NY Mortgage Loans team today to schedule an appointment with us now. R&J Capital Group LLC is the premier mortgage and loan broker in Queens. We make sure that you’re getting the best rates on the market. We specialize in funding for condos, coops, private homes and commercial structures. No income? No problem, we’ll help anyone attain a no income-no credit mortgage. We have many years of experience dealing with FHA loans. Our offices are located in central Queens in and near Forest Hills, Rego Park, Kew Gardens, Briarwood, Flushing, Elmhurst, Jamaica, Ozone Park, Middle Village and Fresh Meadows.

[meadowbrookusa]

How You Can Choose The Right FHA Loan In NYC For Your Condo Project?

If you are looking for “FHA loan NYC condo” for your condo project, then you should know about FHA loan. There are different types of FHA loans that can be used for different purposes.

Conventional Loan

A conventional loan is a loan that uses a traditional lending institution such as a bank or credit union. The terms of the loan are usually longer than those for a FHA loan, but the interest rate and fees are usually lower. There are pros and cons to both types of loans, but most people choose a conventional loan because it offers more flexibility.

A FHA loan is unique in that it is backed by the government. This means that the lender has less risk and can offer you a lower interest rate than a conventional lender. However, there are some restrictions on eligibility for an FHA loan, so be sure to ask your lender if you're eligible before you sign anything.

Both types of loans have their own benefits and drawbacks, so it's important to compare them before making a decision.

VA Loan

A VA loan is a type of home loan that is typically offered to veterans. This type of loan has some unique features that can make it an advantageous option for borrowers. For example, VA loans have lower interest rates than traditional home loans and may also include bonus features such as low down payment options or bonus points that can reduce the interest payments. Furthermore, VA loans may be easier to get approved than other types of home loans.

HUD Home Purchase Loan

If you are looking to purchase a home in New York City, you may be eligible for a HUD home purchase loan. These loans are available to individuals who meet certain requirements, including being able to afford the monthly payments and having a stable financial history. The loan amount you can receive depends on your income and assets, so speak with a lender or mortgage broker in NY to find out more.

RHSG-RD (Revised Housing Standards Guidelines) Loans

The revised housing standards guidelines (4:RHSG-RD) provide lenders with more specific guidance on how to assess a borrower's ability to repay a mortgage. This document also expands on the types of properties that may be eligible for a loan, including condos in New York City.

Many condo owners are unaware that their units may be eligible for a RHSG-RD loan, and many lenders are reluctant to offer these loans due to the increased risk associated with them. However, condo owners who are considering purchasing a property should consult with their lender to see if their unit is eligible for consideration. If your unit is not currently included in the guidelines, it's important to inquire about whether it will be in the future.

FHA 203k Rehabilitation Mortgage

The FHA 203k Rehabilitation Mortgage is a popular loan option for homebuyers in need of assistance with repairing or updating their property. The program offers borrowers a fixed-rate mortgage with terms that can last up to 15 years, and the funds can be used to cover a wide range of improvements, including: new roofs, windows, doors; mold and water damage repair; updated electrical systems; and more.

While the 203k Rehab Loan has some restrictions - most notably that it cannot be used to purchase a primary residence - it can still be an excellent option for those who are looking to buy or upgrade a property that needs some work but is still livable. With rates currently below average and terms that can last up to 15 years, the FHA 203k Rehab Loan may be the perfect solution for you!

So, which type of FHA loan is right for your project? It depends on the purpose and needs of the project. To find out more about each type of FHA loan, contact a local lender or visit the official website.

[localcitationproject]

[fallonbrock07-blog]

Is the lack of affordable health insurance so bad people have to come on yahoo for advice?

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[totalcreditrelief]

232 overall point increase in 35 days. CALL US TODAY TO GET THE SAME RESULTS #offer #creditrepair #mortgage #broker #loan #loanofficer #CaptionThis #successful #affiliatemarketing #fast #gorgeous #joker #lending #motivation #encouragement #entrepreneur #Entertainment #amazing #results #Florida #nyc #Lamborghini #losangeles #floridalife (at Howell, New Jersey) https://www.instagram.com/p/BnZnS8EHez5/?utm_source=ig_tumblr_share&igshid=e6cbc8szpzfd

[cornerstonerealtyny]

5 Tips for Finding Your First Home in New York

If this is the first time you think about buying a home in New York, you are definitely not alone. This means that you will probably have to compete with a lot of people to find a home. If you're looking to buy house in Rochester NY it's far better to get into the market itself instead of searching online to buy new homes near me. However, here are some tips to help you measure yourself against the rest of the crowd. 

1. Get a pre-approved loan

Before you start looking for homes, you must get pre-approved. Whether you're buying a new or old home, it's likely more expensive than you think, especially in New York City. Find a good mortgage broker who will walk you through the steps to pre-approve a loan. This process doesn't require a lot of effort, but it can really help you set a realistic budget. If you're looking to buy house in Rochester NY, it can get costly so having a pre-approval on a loan can make things pretty smooth for you.

 2. Having more amount than the down payment

While having a good amount of money in your bank is important for making a down payment, there are other costs and fees that you may not be thinking about right now. For example, you must also pay the cost of closing the house. Prices can vary depending on the type of house or apartment, but there are several ways to average how long to wait. 

 3. Take into account of almost everything

Many people begin their search by simply looking for a small number of homes or just searching online to buy new homes near me, but you will soon discover that you probably need to broaden your search. Make a list of the non-negotiable items you want in a home, then start an open search. Take into account all sorts of things like neighborhoods, schools, commute to work, type of home, size, and of course how much you want to spend. 

 4. Don't be discouraged

The housing market is competitive, everyone wants to buy house in Rochester NY and nearby regions, so you need to keep track of things when looking for a home. Since demand is high, when you find your dream home, you need to make sure everything is ready. Because once you find it, there are likely to be many other people who also think that this house is the house of your dreams. 

 5. Finding a real estate agent

Finding a home on your own can be exhausting, so hiring a real estate agent is a good idea. You can ask for some recommendations, but once you find a good real estate agent, they will really change the game and help you find your perfect home. 

Conclusion

These are just a few tips for your first NYC home purchase, but there are many more tips. Keeping up with trends in the housing market can be difficult, but you don't have to do it alone. Fortunately, we've got you covered. If you're looking to buy a new house then we'd suggest you to opt for hiring a realtor like Cornerstone Realty who are known for years of expertise in the field. So instead of searching on the web as buy new homes near me, visit their website, now!

Article Source:- https://cornerstonerealtydigital.medium.com/5-tips-for-finding-your-first-home-in-new-york-6206e6609250

[glrosario]

Are you ready to sell your home? Where should you start? We can help you. Let’s set you up with the right team of professionals to make the process move forward smoothly, with less stress and with a much more profitable outcome. We’ve been in the business through buyers markets, sellers markets, aggressive markets, quiet markets, markets with high interest rates on the loan, markets with the lowest mortgage rates in history, and even through the crash of the market in 2007-2008 and the recovery that followed. We’ve worked through Republican & Democrat Presidencies. We are connected with the NYC and Florida markets which are undoubtedly the two most fluid back and forth markets on the East coast. We’ve even worked through fun situations like new married couples moving into a new home together and painful divorces where a man and a woman must walk away from the home they once shared a partnership in! We can handle it all so give us a call. • Remember we are here to help in any way we can. I’m just a call away. • Let’s talk about it! • •@glrosario • 👉🏼 LINK IN BIO! 👈🏼 • eXperience / eXpertise / eXplosive eXplore, eXpect eXplosive results • George L. Rosario George The Speaker George The Realtor National Team Leader Brokered by eXp Realty OFFICE: 347-671-SOLD MOBILE: 917-945-4211 From NYC to South East FL • Luxury Property Sales • #GeorgeSells #GeorgeSellsHomes #ByGeorge #realestate #nycshometownrealtor #LuxuryRealEstate #LuxuryRealtor #DelrayBeach #GeorgeSpeaks #DelrayBeachAgent #FloridaHomes #NorthMiami #Realtor #GeorgeTheRealtor #LuxuryHomes #GeorgeTheSpeaker #SoFlo #MayorOfNewYork #GeorgeMoments #BocaRatonRealEstate #CalvaryChapel #delraybeachrealestate #George❗️ #Miami #LuxuryAgent #SellWithGeorge #glrosario #bocaraton #palmbeachcounty #realestateagent (at Boca Raton, Florida) https://www.instagram.com/p/CRZmQivDDun/?utm_medium=tumblr

[aronovlawnyattorney]

Credit Repair Lawyer NYC Helps Improve Credit Report  

Need some expert to fix your credit report? Trust none other than the Aronov Law NY, located in the heart of Forest Hills. New York City credit repair attorneys are experts at helping people enhance their credit reports. They strive to find and fix errors, settle disputes with creditors, and offer legal counsel on how to raise credit scores. Our experienced credit repair lawyer, Queens, offers a customized approach backed by a team of investigative researchers and our expert credit analysts to ensure our clients receive the best support designed to help their current financial situations. We do not show results but design processes to help our clients get the mortgages they need.

Aronov Law NY

Address: 108-18 Queens Blvd, Forest Hills, NY 11375, United States

Phone No: +1(718)206-2512

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[halsteadproperty]

The Home Buyer’s Commandments

By Ed Berenhaus, Lic. R. E. Salesperson in our West Side office

The process of buying a home is often a complex one. In order to be prepared for it, there are certain things you should keep in mind and make sure to do. These are my 10 commandments for the home buyer:

1. Know thy self.  

What are the must-have features in your next home that will make buying a new property worth the expense and effort? Think about what you like and dislike about your current place, then determine what is essential and will improve the quality of your life in your new home.  

2. Choose a worthy real estate agent.

You want to work with a buyer’s agent who listens very closely and understands your must-have requirements. A great agent will save you time by showing you homes that meet all of your needs and are within your price range.

3. Get a pre-approved mortgage. 

Before you start shopping for your new home, work with your personal bank or a mortgage broker to begin the mortgage pre-approval process. You will need to share your full financial picture, including your liquid assets, your current debt, and your annual income to be approved for a specific mortgage amount.

Note that being pre-qualified for a mortgage does not include an analysis of your credit report or a detailed review of your ability to purchase a home and it is simply not as attractive to a seller as a pre-approved mortgage. When you find a home that you love, you want to make the strongest offer possible and waiting to be approved for a mortgage can take several months. Your pre-approved mortgage lets the seller know that you can quickly arrange to finance the purchase without waiting for weeks or months of delay.

4. Know your debt-to-income ratio.

This ratio refers to the sum of your current monthly loan payments, combined with the new home's monthly fees and mortgage, in relation to your total income each month. Most NYC condos and co-ops want to be sure that you can continue to make these payments and will accept a ratio of 25% to 28% of monthly debt in relation to monthly income. This percentage may vary, based on the buyer’s other financial assets. Ask your real estate agent to help determine your ratio.

5. Know that all contractors are not created equal. 

Personal recommendations from friends and neighbors are super helpful when selecting a contractor. Does the contractor budget jobs correctly? How is the quality of their work? Are they respectful of building rules and your neighbors? Do they finish the job on time? References from people you know will give you a clearer picture of what to expect from the contractor. 

6. Budget your renovation.

You found a great home, but it needs a new kitchen and bath. How much will these renovations add to the expense of buying the home? Most sellers will allow you to bring a contractor along on a return visit to give a rough estimate of renovation costs, which will help you decide if you really want to make an offer on the property.

7. Honor your commute.

How will your new home affect your commute time every day? A few extra minutes each way can add up to several extra hours per week. 

8. Visit the neighborhood by day and night.

When you find a home that you love, be sure to spend time in the neighborhood during evening hours. You want to feel completely comfortable and safe returning to your new home at any time of day or night. 

9. Consider your closing costs.

Congratulations, you have agreed on a price for your new home! There are also a number of additional fees, taxes, and miscellaneous expenses paid by the buyer. These closing costs can range from a few thousand dollars to many thousands depending on the purchase price, the type of home, and specific requirements of the building. Your real estate agent can help determine these additional expenses. 

10. Take your time.

Invest enough time and see enough properties to know which home is the perfect fit for you and a financially sound investment. Buying a new home is a life-changing decision that you will live with for the foreseeable future. Consider all of the home’s pros and cons to avoid a costly mistake.

Please feel free to contact me any time for your real estate needs. I am here to help! 

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[marymosley]

Hello World

Lots of time, money and energy went into redesigning the site, which makes me extremely happy to announce today that we are launching the next version of the Biglaw Investor. Ever since I started the project, I wanted to create a permanent home for lawyers to discover for years to come. There are more than 250 blog posts on the site and the old design (created entirely by myself) didn’t do a great job of highlighting the catalog. All of that changes today.

What’s new?

The home page is friendly, especially for new visitors. If you get lost or want to explore, click on the Start Here button to activate a drop-down menu. It disappears with the same satisfying click.

The site is colorful.

It’s also divided into categories that make sense. And each of those categories have their own “home” page (e.g. maybe you’re interested in savings, taxes or protecting your assets).

The blog is hanging out on the side, ready for you to dive in to the latest posts.

I couldn’t have made all of the magic happen without the behind the scenes work of several talented coders and the gorgeous design skills of Josh Korwin. Can we talk about that logo? It’s the combination of a dollar sign, section symbol and caduceus.

I couldn’t be happier. Everything turned out perfect. Found a bug or something strange about the site? Send us a note. We appreciate you letting us know.

What’s harder to explain is how much is going on behind the scenes. We’re rocking a custom WordPress theme. It’s lightning fast and smart. There’s no unneeded plugins slowing things down and we’ve gone to a lot of effort to make the site fit together in a way that’s just not possible without deep thought. Suffice to say, most readers will never notice but the site clicks together.

In addition to the coding and design help, I couldn’t have built the new site without you. So it’s my sincere thanks to all of you who got a student loan refinancing bonus or talked to a mortgage broker about a 0% down no-PMI lawyer mortgage. I’ve reinvested just about every penny back into the site, following my original plan to keep this going as a resource for lawyers to discuss personal finance and investing topics.

What else has been happening? A lot. Here’s a few updates, all of which will be future content on the site:

We had a baby! In January, my wife and I welcomed a baby Biglaw Investor to the family. After a long pregnancy, it feels exciting to finally have him in the world. I was looking forward to proving that kids don’t have to be expensive, but I think this little guy has a few lessons to teach me before I tame him. The good news is that the spending is entirely optional (or at least optional if you’re willing to give up your sanity, sleep and well-being). More on that in many future posts.

My taxes are almost done. There’s a lot going on in our 2018 taxes and I’m looking forward to sharing my report (you can read the 2017 Tax Report while you’re waiting). The Tax Cut and Jobs Act influenced the total amount of taxes I paid, as did moving to New Jersey in the first half of 2018. Escaping the NYC tax is working out just fine and the views are better.

To forgive or not forgive? Things are heating up in our household’s pursuit of PSLF forgiveness. We’ve been all over the place about whether we’ll continue on our path to forgiveness or not. Meanwhile, the loan balance gets higher by the day. It’s one of the awful side effects of the program that we continue accruing significant interest. Our married income has finally caught up with our monthly PSLF payments, although those monthly payments are capped at the same payments under the 10-year standard repayment plan thanks to the IBR program. Will we continue on the path to forgiveness or pay them off? I can’t even tell you for sure.

Getting ready for the next recession. The last recession ended in June 2009 which has a lot of people nervous that we’ve made it nearly 10 year without another one. It must mean a recession is around the corner, right? Unfortunately, my crystal ball remains cloudy as always and what I do know is anyone who predicts the future of the market is trying to sell you something. That said, it’s important to remember that recessions are a normal part of your investing career. If you’re lucky, you’ll start investing during a recession. Unfortunately, there’s a lot of lawyers that have been investing over the past 10 years that have never seen a recession.

I hope you like the new look. Say

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Or join our email list, so that you can save more money than your friends.

Leave a comment on Hello World

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[genderrise3-blog]

Buy a house in NYC: A guide to New York real estate - Curbed NY

Buying a home in New York City is a daunting task, particularly after you take a hard look at some numbers: The median sales price in Manhattan currently sits at $1.1 million, and median sales prices in both Brooklyn and Queens have increased to $808,000 and $573,500, respectively. And sellers typically expect a 20 percent down payment for listings, meaning you’ll need at least $100,000—if not much more—on hand.

Meanwhile, the median income in NYC is just over $57,000, according to the latest census survey; suddenly, buying a home can seem not just difficult, but downright impossible.

But there’s some good news: NYC is in the midst of a building boom, and with more supply than demand, buyers often have the upper hand in getting the best deals. Furthermore, the real estate market has been experiencing a downturn of late (particularly in Manhattan), and prices are expected to go down further, according to Stephen Geller, a broker at Corcoran. You might not be able to score a townhouse, but there are thousands of apartments on the market—and if you’re willing to compromise a bit on size, you may be able to snag a deal.

“We are definitely in a buyer’s market right now,” says Carol Staab, a real estate broker at Douglas Elliman.

So what do you need to know if you want to buy a home in NYC? This guide hopes to demystify the process and act as a helpful manual, for both first-time buyers and those looking for some extra guidance.

How much do homes cost in NYC?

Short answer: a lot.

The median price of homes currently listed on the market is a whopping $825,000, according to Zillow. In October 2018, Manhattan home prices saw the largest year-over-year price drop since the 2008 financial crisis, dropping 1.8 percent in the third quarter of 2018, compared to the same time frame in 2017, according to StreetEasy. Manhattan homes cost just over $1.1 million and Brooklyn homes cost $726,874, according to StreetEasy’s Price Index metric, which indicates stagnating prices.

Meanwhile, Queens has seen home prices skyrocket. StreetEasy’s price metric puts homes in the borough at $536,028 in 2018, which is a 7 percent increase from 2017. In the summer of 2018, two Queens neighborhoods saw median sales prices cross the $1 million mark for the first time ever. Real estate experts predict that Amazon’s decision to open its second headquarters in the borough is only to going to push the prices up further.

“Queens has been the outlier in the sales market with prices rising at a consistently faster pace than in Brooklyn or Manhattan while remaining relatively affordable,” Grant Long, a senior economist at StreetEasy, told Curbed.

Overall, NYC home prices have bounced back significantly since the 2008 recession. However the city is being flooded with a record number of homes, and experts contend that this will prompt prices to drop, particularly in Manhattan and Brooklyn. Both Staab and Geller said that the growing inventory will translate into further discounts and price reductions in the coming months.

Why is it so expensive?

The fact that New York City is so damn expensive isn’t a recent phenomenon—the city has remained a bastion of wealth for over a century now, despite the ebbs and flows in the marker over the decades, real estate guru Jonathan Miller told Curbed. (You can read more about his thoughts on this here.)

The most recent push in pricey real estate occurred following the financial crisis in 2008, as the markets began to recover, Miller says. Capital poured in from across the world that prompted developers to go on a building spree. With the limited amount of space available in the city, the high cost of construction, and the expensive land values, developers choose to build luxury developments—like the developments on Billionaires Row—and in turn drove up prices citywide.

“New York City has always been affordability-challenged, but this most recent housing boom has only exaggerated it further,” says Miller.

Being the cultural capital of the world also holds a certain amount of cache, says Corcoran’s Geller. “There is a premium for that,” he explains, “and historically, people have been willing to pay the price.”

What kind of homes can I buy in NYC?

There are several types of homes available for potential NYC buyers:

Condo: When you buy a condo, you have full ownership of the apartment, and some part of the building’s common areas (e.g., the gym). Though the condo building will have a board, it won’t be as involved as a co-op board, and owners can easily rent or sell their home when they chose to. Condos are usually a good option for those who aren’t looking for a long-term investment. On the flip side, they’re typically more expensive—owners can be asked to pay more common charges depending on the amenities in the building—and in NYC, they are quicker to fly off the market, says Geller.

Co-op: These are ideal for people looking to make a long-term investment in a home. In a co-op building, owners get a share in the co-op association, and all the shareholders together own the building and its units. Co-op boards play a big role, and can determine whether you can rent out your unit or make major changes to the apartment. Co-op boards also play a large role in determining who gets to own in their buildings, so it can sometimes be hard to snag an apartment even if you have the means. NYC’s co-ops are generally older compared to condos, and some—like the Upper West Side’s San Remo and Dakota—have celeb owners, which means you can expect a much stricter application process. However, co-ops are more plentiful in the city, and can often cost less than condos.

Townhouse: A townhouse is typically a three- or four-story building that is adjoined with other buildings on a block; it can serve as a single-family home or have multiple apartments spread out over its floors. While townhouses are narrower than detached homes, they often have backyards and rooftops, and offer more privacy than an apartment. They also tend to be pricey, with townhouses in many neighborhoods asking more than $1 million (and as much as $84 million, depending on the house).

Fully detached home: These types of houses are harder to come by in Manhattan—the Frick, which is now a museum, is an example of the detached homes that were a mainstay in Manhattan in the 19th and early 20th century—but they are relatively easy to find in outer-boroughs neighborhoods like Ditmas Park and Forest Hills. They’re often wider and more spacious than an attached townhouse, and will come with plenty of outdoor space to boot.

Loft: it’s tricky to define a loft in NYC today, as many new ones have been built to recreate the atmosphere of the original ones. But typically, lofts are spaces in former industrial or manufacturing buildings that have been converted into residential spaces. They are notable for their high ceilings, large windows, wide open spaces, and minimal interior walls. Most of the original ones can be found in neighborhoods like Tribeca, Soho, and Williamsburg.

Should I rent instead of buying?

Most people who move to New York prefer to rent due to the exorbitant cost of purchasing a home (renters constituted over 65 percent of the city’s population in 2016, which is up from 60 percent in 2006). But if you plan to live here long term, it may prove more beneficial to buy rather than rent, especially considering the high cost of renting in NYC.

There are also several neighborhoods in the city—the East Village, West Harlem, and Kew Gardens are just some examples—where it may make more sense to buy, since you’ll break even on the cost of your investment in fewer years. But there’s no one-size-fits-all answer; ultimately, your financial situation and personal preference will dictate whether you rent or buy.

When is the best time to buy?

While the best time to buy in the rest of the country is toward the end of the summer, in NYC the ideal time is usually is usually the spring or the fall. Springtime is generally more competitive, but that also means buyers have more to choose from, since spring is typically when many new developments (both condos and co-ops) enter the market. In the fall, buyers are likely to score better discounts—there’s often a surplus of apartments on the market, leading sellers to lower prices. StreetEasy estimates that the best times to buy are between April to June, and between September through October.

The worst time to buy is the winter months—December through February to be precise—since during this time, there are fewer listings on the market, and as a result buyers are less likely to score any type of discounts.

How much of a down payment will I need?

The down payment is one of the biggest factor buyers have to consider while making a purchase. The lower your down payment, the more likely that you’ll have to pay higher interest rates and potentially incur other costs in the future, according to StreetEasy. Furthermore, the lower your down payment, the less likely you are to find a lender for your home loan.

A 20 percent down payment is considered the benchmark, and being able to meet that threshold will greatly increase your chances to acquire a loan and lessen your interest rate. It is possible to find homes where you pay a lower percentage of down payment, particularly with some of the new condo buildings in the city, both Geller and Staab told Curbed. With lower down payments you will have to consider other factors, like getting a private mortgage insurance to bail you out in case of a default.

Thanks to Federal Housing Administration (FHA) loans, you can also pay as little as 3.5 percent, but there aren’t that many FHA-compliant buildings in the city—and most are located in the outer boroughs, which is a factor to consider.

You can also try your hand at income-restricted apartments located in Housing Development Fund Corporation (HDFC) cooperative buildings throughout the city. They work similar to a co-op building in that the board will ultimately determine who gets to live there, but the apartments are reserved for low- and middle-income individuals and families. The sales price on these units can be no more than 165 percent of the area median income, according to city guidelines. The income restrictions change depending on the apartment type and the size of the family living in each unit. The downside to HDFCs is that they can often require higher down payments or all-cash deals. Here is a list of currently available units.

In December 2017, the city introduced new programs to make homeownership more affordable in the city. Open Door will finance the construction of condos and co-ops for first-time homebuyers earning between $69,000 to $112,000. The program is expected to create 1,300 new homes over the next eight years. For those earning up to 80 percent of the area median income, the city also offers an assistance program that provides up to $40,000 for a down payment or for closing costs.

Should I get a broker? What about a lawyer?

You can buy a home without a real estate agent or broker, but it’s probably better that you hire one, especially considering the highly competitive market in New York. Your broker will help you secure the best possible deal, and can assist you in bargaining for concessions. Brokers can be especially helpful when looking to purchase in a co-op building in NYC, as they will be more familiar with the requirements for that property and be able to give you a better sense of the ideal candidate. What’s more, you don’t have to pay a broker’s fee when it comes to sales. That money is usually included in the sale amount and split between the broker representing the seller and yours.

Getting a real estate lawyer is even more critical in NYC. Unlike other parts of the country, buyers here need to draw up a contract in order to finalize a sale, and unless you’re familiar with the law, this is going to be a steep hill to climb. Your lawyer will also be able to better advise you about potential concerns in your new building or home—noise complaints, building violations, and the like—as they go through the paperwork for that property. Typically both the buyer and seller in NYC have legal representation, and as a buyer, having a lawyer can ensure that you’re not getting fleeced by the seller. Fees for this type of work can range from $1,000 to $5,000.

Should I get pre-approved?

That’s a definite yes. If you’re working with brokers to find a home, almost all will insist you have a pre-approval letter from your lender before they start scouting homes for you. Pre-approval tells sellers that you’re serious about a purchase, and will greatly increase your chances of securing a sale.

A pre-approval letter is created by your lender based on your income and your credit score, and is usually prepared in under 30 minutes. It’s probably better to get pre-approved than pre-qualified, because the latter provides only a range for the amount you would qualify for a home loan, whereas the former gives you an estimate, which brokers and sellers will prefer. Overall, this process will also help ensure you’re actually ready to buy a home.

In terms of what sellers are looking for, particularly co-op boards, it’s strong financial records, according to Geller. The most important factor is your bank’s approval, and this can be secured through having your finances in order. You’ll also get a leg up if you show you’ve been at the same job for a few years.

Will I get into a bidding war?

Bidding wars aren’t as common as they used to be even just two or three years ago, says Geller. A few high-end, trophy properties may still see major bidding wars, but for the most part, bidding wars are on the decline, especially in Manhattan.

If you do, however, find yourself in a bidding war, there are different ways to come out on top. One of the key factors for success is knowing the neighborhood you’re buying in, and then potentially offering more than the asking price based on comps (comparable sales). Other factors, like being flexible about your closing date and your move-in date, can give you a leg up. A good old-fashioned personalized letter to the seller can’t hurt, according to Staab, especially if the seller is a long-term owner or is invested in the property.

How long before I can move in?

The length of the period between signing a contract and actually closing on the property is very much a case-by-case situation. Some estimates say it takes about 90 days from when the contract is signed to when you get possession of your home, but it really depends on a variety of factors. Buying a condo versus a co-op, getting pre-approval from your lender, the real estate lawyer you’ve hired—all of these factors can play a big role in the amount of time it takes to secure your home. Condos can usually be secured within to 30 to 45 days, and co-ops (due to the board approval process) can take between 60 to 90 days.

What can I expect at a closing?

Usually a day or two prior to closing, you get to do a walkthrough of the property. According to Staab, this is the time to note anything that might be amiss or that you’d like addressed—you can provide your broker with a checklist of these concerns.

Closings themselves can usually take a couple of hours because as the buyer, you have to sign a number of bank documents. You don’t really have to bring anything to closing per se, aside from government-issued ID (and a checkbook if you plan to pay that way), because by this point all your documents will already have been vetted by the seller, Geller told Curbed.

Your broker and your attorney will typically accompany you to this closing, and make sure that all the documentation is in accordance with what you and the seller agreed upon, before you can get to the signing of documents.

Closings can be costly affairs as well. Costs will vary based on the down payment you’ve put down and your mortgage rate, but at this time, you will have to pay attorney fees, mortgage fees, and a move-in cost. It’s hard to estimate an average price because it depends entirely on the cost of the apartment, and if it’s a co-op or a condo; expect to shell out thousands of dollars.

And once that’s taken care of, you can get down to the real work—getting settled in your new home.

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Source: https://ny.curbed.com/2019/1/23/18177254/new-york-home-buying-first-time-tips

[aronovlawnyattorney]

Credit Repair Lawyer NYC Helps Improve Credit Report  

Need some expert to fix your credit report? Trust none other than the Aronov Law NY, located in the heart of Forest Hills. New York City credit repair attorneys are experts at helping people enhance their credit reports. They strive to find and fix errors, settle disputes with creditors, and offer legal counsel on how to raise credit scores. Our experienced credit repair lawyer, Queens, offers a customized approach backed by a team of investigative researchers and our expert credit analysts to ensure our clients receive the best support designed to help their current financial situations. We do not show results but design processes to help our clients get the mortgages they need.

Aronov Law NY

Address: 108-18 Queens Blvd, Forest Hills, NY 11375, United States

Phone No: +1(718)206-2512

Website: https://www.aronovlawny.com/consumer-attorney-nyc/

GMB: https://maps.app.goo.gl/e7GBYzxz29o1wj4n7