When 4-Legged Family Members Are Relocating to Pearl River

When 4-Legged Family Members Are Relocating to Pearl River

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845 544 4026

riggsmarcella@gmail.com

Close to 70% of families say they have a dog or a cat in their household. If you are in that sizeable majority and are planning on relocating to Pearl River, there are some planning steps you can take to help ease the move for your four-legged family members.  When 4-Legged Family Members Are Relocating to Pearl River

Since the daily routine is going to be thoroughly undermined, on the day of your move, do as much as is practical to retain a calm atmosphere. If possible, provide a small quiet area where the pets can stay out of the way and safely clear of any wide-open doors. If you have portable fencing that’s strong enough to do the job, remember to make it available with the first wave of unpacking. When 4-Legged Family Members Are Relocating to Pearl River

Fostering calm is especially important while your goods are being moved in and out by big, scary strangers.  If you will be using cages for transportation, make sure they are roomy enough, and put in some familiar, comforting toys. For especially excitable pets, you may want to consider spraying their cage ahead of time with a pheromone formulation that helps retain calm. When 4-Legged Family Members Are Relocating to Pearl River

Relocating to Pearl River or moving into any new home is apt to create opportunities for pet prison breaks. A move can disrupt behavior patterns for even the most loyal four-footer. Both cats and dogs who have gotten lost during relocation have famously made their way back home — even when home isn’t there any more. Prevent such misdirected heroics by making sure the garden has been fully secured before you move – and have all collars equipped with new tags with new Pearl River contact information. A doubly failsafe method is to have your pet micro-chipped.  When 4-Legged Family Members Are Relocating to Pearl River

Relocating to Pearl River will be a big event, and a big adventure. Pup and Kitty will settle in shortly: the truth is, as soon as you are content, they will be, too. If you are in the early stages and have not yet found your new Pearl River home, I offer some of the best service in town – and I’d be delighted to introduce you to some of our best neighborhoods!  Call me anytime on 845 544 4026 or email me at riggsmarcella@gmail.com or click here some more helpful hints!

Part 2 — Top 6 Mistakes For New City Sellers to Avoid

Part 2 — Top 6 Mistakes For New City Sellers to Avoid

Marcellariggs.com

845 544 4026

riggsmarcella@gmail.com

Previously, we cited three of the most common mistakes sellers make after listing their New City property for sale. Here are three more: Top 6 Mistakes For New City Sellers to Avoid

Proper Insurance

When you have a New City property for sale, it’s more important than ever to see that your homeowners insurance is up to date. It is highly unlikely that someone will have an accident on your premises, but the increase in the number of visitors makes it prudent to be well covered. Of course you will want to mitigate obvious potential hazards like broken glass or exposed nails — but should also have a foolproof system for making pets a non-issue during showings. Top 6 Mistakes For New City Sellers to Avoid

Contractual Terms

With your New City property for sale, it’s only natural for your primary focus to be on the bottom line: the sale price. When an offer arrives with the right number, it’s tempting to sign on the dotted line and be done with it. But there is more to a purchase offer than just the price. An offer is a contract, and as such, all its terms are equally binding. For instance, there is the matter of the closing date: sellers who accept an offer without paying enough attention to it can be left scrambling for temporary housing when that date arrives.  Top 6 Mistakes For New City Sellers to Avoid

Contingency Removal

Removing the inspection and loan contingencies on time are key events in the buy/sell timeline – yet these deadlines can easily slip by unnoticed. The wording of the clauses is important, too, because a buyer can have the right to withdraw an offer if he or she is not satisfied with the outcome of an inspection or a loan rate they deem acceptable. Failure to make sure a buyer removes contingencies on time can turn a ‘sold’ property into a property that’s still for sale. Top 6 Mistakes For New City Sellers to Avoid

Aligning yourself with an experienced agent is the simplest way to remain aware of these and other common legal miscues — and how to avoid them. With your property for sale, you become a single-purpose business enterprise, and your agent’s knowledge should be a key business asset. Contact me anytime for that kind of assistance! Top 6 Mistakes For New City Sellers to Avoid Call me, Marcella, on 845 544 4026 or email me at riggsmarcella@gmail.com or click here for more helpful articles!

Part 1— Top 6 Mistakes For New City Sellers to Avoid

Part 1— Top 6 Mistakes For New City Sellers to Avoid

Marcellariggs.com

845 544 4026

riggsmarcella@gmail.com

Disclosure Signatures

Disclosing material facts that might affect your New City property’s value is a fair obligation that’s understood by everyone. Yet properly disclosing all material facts won’t help you at all if an issue comes up later but you can’t prove the disclosure. A good agent will double- and triple-check all the signatures, but at the end of the day, your peaceful sleep at night is only protected when you also take care to keep complete copies of the paperwork with all signatures accounted for. Part 1— Top 6 Mistakes For New City Sellers to Avoid

Earnest Money 

Ah — the thrill of getting the first offer! After readying the property and listing your home, when an offer comes quickly, you’ll be tempted to say, “Where do I sign?” But slow up: getting a great offer is just the first step. Part of being a prudent seller is scrutinizing the offer and buyer to gauge the likelihood that the deal will close. The amount of earnest money should demonstrate the prospect’s sincere intent to buy…not just their desire to tie up the house while they make up their mind! Part 1— Top 6 Mistakes For New City Sellers to Avoid

Exclusions

Want to watch warm feelings ice up in a hurry? Try surprising your buyer with the last-minute news that you intend to take your coveted washer/dryer (or heirloom chandelier, or custom closet system) with you because you forgot to exclude them. It’s part of my job as your agent to go over the more obvious items when listing your home in New City, but even so, it’s ultimately up to you to make sure your intent is known. Trust me - I've seen more than one sale go south in the eleventh hour over some unbelievably minor items. Part 1— Top 6 Mistakes For New City Sellers to Avoid

Coming next, I’ll flesh out more of these most common pitfalls. Of course, listing your home with me means you won’t need to worry: I make it may job to keep an eye out for all of them. If you’re thinking of listing your home in New City this spring, call me today! Marcella 845 544 4026 or email me at riggsmarcella@gmail.com.

 Click here to view what’s on the market in New City at the moment!

Clearing the Way to Decluttered New City Open Houses

Clearing the Way to Decluttered New City Open Houses

Marcellariggs.com

riggsmarcella@gmail.com

845 544 4026

Why so many open houses in New City? The reason is because they are so effective -- not only by instantly spreading notice that a property is seriously entering the market, but also by creating a firm target date – a day when all concerned agree that the property will be in peak ‘showability’ condition. Clearing the Way to Decluttered New City Open Houses

Open houses are like showings on steroids. With dozens of visitors in the offing, there’s little doubt that every effort will go into preparing for them. Along those lines, every agent will tell you that a tidy home is far more tempting than one that looks too lived-in.  The New York Times recently offered the assessment that decluttering is vital because "most real estate is aspirational, and buyers want to see themselves in someplace better and more beautiful."  Clearing the Way to Decluttered New City Open Houses

Therefore, a basic part of preparing for open houses is the unglamorous task of whittling away as much of the daily clutter as possible. There are some stress-reducing ways you can approach the task:

Focus on how long it has been since items were used 

Anything you haven’t used in the past three months is a candidate for storage (or beyond!) It may be easier than you think.

Identify items in disrepair 

Homes across America are filled with things that fit this category – items that don’t belong on display in any New City open houses. (When you find items like this, you may feel better about tossing them when you realize no one ever gets around repairing them, anyway!)

Find what’s hidden in plain sight

Finally, scout through the house for items you take for granted – but which add little charm. Shelves with books and magazines you will never read and chests in the kids’ room filled with long-abandoned toys are examples. Clearing such “hidden in plain sight” articles will complete the decluttering -- and create the kind of open houses potential buyers get serious about. Clearing the Way to Decluttered New City Open Houses

  If you are anticipating the coming spring selling season, then it’s time to recruit a top-notch New City agent to help. I hope you won’t hesitate to give me a call! 845 544 4026 riggsmarcella@gmail.com or click here for some more ideas!

Options for Buying New City Home After a Foreclosure Open Up

Marcellariggs.com

845 544 4026

riggsmarcella@gmail.com

“Time flies when you’re having a good time” we hear. But time can also pass quickly for those who’ve had to go through difficult times. Case in point is a million and a half borrowers who have recently experienced the pain of a foreclosure. That’s the estimated number of those who, by this time next year, will have waited long enough to again become eligible for an FHA loan. Options for Buying New City Home After a Foreclosure Open Up

 Anyone interested in buying a New City home after a foreclosure has come through a tough period. The standard waiting period for an FHA-guaranteed loan is 3-4 years following a foreclosure or short sale (though individual circumstances vary). Now that the weeks and months have ticked by, this sizable crop of newly eligible prospective ‘boomerang buyers’ may soon find themselves contemplating the option of buying a home after a foreclosure. Options for Buying New City Home After a Foreclosure Open Up

That estimate of the size of the newly eligible was provided by Moody’s Analytics. Since they are key players in determining creditworthiness, it’s a source I trust. A chart of Moody’s count from the second quarter in 2011 (when their number was a mere 285,000) to next year’s second quarter 1,500,000 provides a convincingly uphill slope. Options for Buying New City Home After a Foreclosure Open Up

 Still, being eligible to apply does not mean automatically qualifying for an FHA (or any other) loan. Success in buying a New City home after a foreclosure continues to depend on the same standards that always apply. After the waiting game is over, having cured credit damage will become the prime requirement. Options for Buying New City Home After a Foreclosure Open Up

To increase their chances of successfully buying a home after a foreclosure, New City prospects will have paid existing credit card and loan debts with the kind of unfailing regularity that reassures loan officers and credit analysts alike. If that hasn’t been the case, the time to begin is ASAP.

Website Zillow predicts the next most influential group of buyers will be those who are looking to buy a home after a foreclosure or short sale. New City residents who are among them — and who are ready to make this their turnaround season — should give me a call. We can get started with the pre-approval process! Marcella 845 544 4026 or email me at riggsmarcella@gmail.com or click here to check out some New City listings!

For New City Property Owners Awaiting Those Refund Checks…

For New City Property Owners Awaiting Those Refund Checks…

Marcellariggs.com

845 544 4026

riggsmarcella@gmail.com

Remember playing Monopoly? After another player had put up a hotel on a pricey property like Boardwalk or Park Place, remember that feeling of relief every time you got past without landing on them? Whew!

That’s the way many of us feel now that Tax Week is over. If you’re one of the millions who will soon be checking the mail for your refund check, you’re are probably also pondering the best use to put it to.

Especially if you’re thinking of selling your New City property any time this year, you might do something that’s less than obvious: put some of that check to good use by making one or more simple property improvements. After all, your New City property is your biggest investment — and the payoff when you take good care of it won’t be in play money.

If yours is an average refund  (most are somewhere north of $2,500), it can be pretty painless to direct a modest chunk of it to your property. I’ve come across some simple ideas that should also reserve most of the refund for other purposes.

One idea that few people act upon is to order a professional energy audit. This can cost between $400 and $600 for a full diagnostic inspection. By revealing gaps (even small ones) around doors, windows, and recessed lights, it can reveal energy-wasters that ultimately lower utility bills year-round.

An even less expensive utility bill-saver is available in the form of the latest sophisticated low-flow showerheads. They are simple to install, and can save up to 50% of the water used by even some of the newer showerheads. The best ones feel nearly as if you are showering with the same amount of water. 

One of the last things likely to leap to mind once your refund check arrives is insurance. Basic homeowners insurance isn’t fully comprehensive, yet for a small additional amount — generally about $300 — you can buy a million dollars’ worth of added liability coverage with an ‘umbrella’ policy that also covers your cars.

It will feel like getting past Park Place and Boardwalk all year long! 

Click here to check out some more helpful articles & hints, or feel free to give me a call on 845 544 4026 or email me at riggsmarcella@gmail.com

Pearl River Housing Market Not Really Yoked to Wall Street

Pearl River Housing Market Not Really Yoked to Wall Street

Marcellariggs.com

845 544 4026

riggsmarcella@gmail.com

Even though the Pearl River housing market looks as certain to rise as the spring shoots, behind that optimism is the perenniel question about whether another “dip” is coming — a lot of which has to do with Wall Street. Remembering how 2008’s economic downturn saw the housing market and stock market take blows pretty much simultaneously, it’s not far-fetched to assume that the two markets always move together. And while some folks are emboldened as stocks soar to record-level heights, for others, the same phenomenon causes altitude sickness. What goes up must…well, you know the rest! Pearl River Housing Market Not Really Yoked to Wall Street

Historically, the housing market and stock market are hardly inextricably joined. Nor should that be a surprise. On the one hand, the housing market reflects a real good (as ‘real’ as it gets!) — something that carries intrinsic utility. That won’t change until people figure out a way to exist without shelter. Pearl River Housing Market Not Really Yoked to Wall Street

Stocks, on the other hand, represent participation in ownership of a venture, and a share of financial gain (or loss) from its success. Both markets are influenced by some of the same factors (employment, inflation, etc.), but to different degrees. It’s widely agreed that the direct influence of one on the other waxes and wanes. Pearl River Housing Market Not Really Yoked to Wall Street

So when anyone thinks about whether a dip is coming in the stock market, and whether that should influence their real estate thinking, I’m pretty certain that the answers are less important than the more measurable effects that buying or selling a home will have on their day-to-day living experience. With positive housing market data continuing to arrive (like the recent rise in land values — up 13% last year; the first annual gain in eight years), it’s hard not to agree with the majority of economists that the positive housing market trend is likely to keep going for a good while longer. Pearl River Housing Market Not Really Yoked to Wall Street

If you are considering selling your home and want to explore the housing market in Pearl River, give me a call.  Regardless of what each market is doing at any given time, I keep the latest up-to-date statistical and Pearl River neighborhood information available for my clients because I live here too! Call me, Marcella, on 845 544 4026, or email me at riggsmarcella@gmail.com or you can click here to check out Pearl River listings!

Weather, Pools Factor in New City Home Listings’ Value

Weather, Pools Factor in New City Home Listings’ Value

marcellariggs.com

845 544 4026

riggsmarcella@gmail.com

Who isn’t ready for summer? One group that’s clearly already there is this spring’s sellers: everyone whose home listings in New City are already racking up page views. For them and everyone contemplating taking advantage of the busy spring selling season, an interesting fact has come to light. It puts numbers on something that most of us feel intuitively. Weather, Pools Factor in New City Home Listings’ Value

It was the Wall  

Street Journal that recently called attention to it. They uncovered a study from BYU showing that when home listings including swimming pools go into contract in the summer, their selling price is an average 0.22 percentage points higher than the baseline price for the rest of the year. Weather, Pools Factor in New City Home Listings’ Value

This was a huge study that sampled more than four million housing transactions from 1998 to 2008 in 27 states. For a $500,000 home listing, that difference translates into a roughly $2,000 premium — just for selling a home when the thermometer’s popping! Weather, Pools Factor in New City Home Listings’ Value

It does stand to reason: think of how inviting that cool blue water looks after a hot day of house hunting. Prospects have probably been driving from house to house in a car that’s had to have the AC cranked up. Then compare with January, when a look at a backyard swimming pool is more apt to summon up thoughts of trying to stabilize chlorine levels than of enjoying a plunge into chilly water. Weather, Pools Factor in New City Home Listings’ Value

So how does this reflect on home listings in New City this spring? If you own a home with a pool and are putting off a decision to sell, the lesson seems to be that seasonal functionality is real — and working in your favor. The professors at BYU reported that, generally speaking, early spring is a good time to snag late summer buyers. I have to agree: when the weather is nice, my clients set a scene making it easy for potential buyers to picture themselves enjoying that pool. They bring out the deck chairs and the fluffy towels!  Weather, Pools Factor in New City Home Listings’ Value

Looking for New City home listing tips? I’m here to offer suggestions! Call me, Marcella, on 845 544 4026, or email me at riggsmarcella@gmail.com or click here to check out some listings in New City!

New City Mortgage Rates Are Not the Whole Story...

New City Mortgage Rates Are Not the Whole Story...

Marcellariggs.com

riggsmarcella@gmail.com

845 544 4026

Good Faith Estimates — anyone actively comparing mortgage rates in New City receives them. Yet GFEs seem full of the kind of fine print that we don’t necessarily spend time worrying over: a glance at the bottom line would seem to suffice. Sort of like the kind of golf rule (26-1) that just cost Tiger Woods his shot at a 5^th green coat. New City Mortgage Rates Are Not the Whole Story...

Like Mr. Woods, even if we do everything else right, not paying close attention to the fine details can cost us. But quite unlike Rule 26-1, the details in GFEs aren’t there to limit our options —  they’re there to point the way cutting our costs!  New City Mortgage Rates Are Not the Whole Story...

To get that readout, you need only provide the standard details required by all lenders. Once that’s done, they are obligated to send you a GFE quickly: within three days. Mortgages are all about your obligation to the lender: so this puts the shoe on the other foot. New City Mortgage Rates Are Not the Whole Story...

The key to GFEs’ value lies in their uniformity. The line-by-line detail makes them ideal vehicles for cross-comparing what your mortgage costs from each lender will be —  and where discrepancies lie. New City Mortgage Rates Are Not the Whole Story...

Some of the costs (like taxes and government fees) should be the same for every lender, but others will be different. You are entitled to know what third party fees you will incur, what loan charges are applied by your lender, and any other costs associated with your loan. Beyond the mortgage rates being quoted, such comparisons will be sufficient to show you who is offering the best deal.  

Another nice thing is that you do not have to pay outsized fees for a GFE; at the most, your prospective lender can ask you to cover the costs of your credit check.  New City Mortgage Rates Are Not the Whole Story...

Today, mortgage rates in New City remain at the historically low levels we have been pointing to for a while. If for no other reason than the virtual certainty that they won’t stay there forever, now continues to be an unusually opportune time for buying or selling. If you agree, contact me for an up-to-the-minute market assessment anytime. Marcella 845 544 4026  riggsmarcella@gmail.com  or click here to check out some useful information at marcellariggs.com

3 Cheerful Tax Facts for Pearl River Home Sellers

 

3 Cheerful Tax Facts for Pearl River Home Seller

Marcellariggs.com

riggsmarcella@gmail.com

845 544 4026

This year April 15 falls on a Monday —for many, that undoubtedly bodes ill for the weekend preceding. Tax time may be the leading contender for everyone’s least favorite time of year, yet there are some potential breaks of sunlight shining through the tax time overcast. Most of us know these already, but it’s still encouraging to remember the substantial advantage that Pearl River home sellers stand to gain: 3 Cheerful Tax Facts for Pearl River Home Sellers

Most Pearl River home sellers who have owned and lived in their primary residence for at least two of the preceding five years can exclude $250,000 of any gain (up to $500k for those filing joint returns). This is a gigantic incentive for homeownership. The major exception comes for those who have taken this deduction within the previous two years. 3 Cheerful Tax Facts for Pearl River Home Sellers

You may be able to deduct losses from an income property, though Pearl River home sellers may not deduct losses from the sale of their primary residence. Why not? Ask the rule-makers! 3 Cheerful Tax Facts for Pearl River Home Sellers

Special rules are likely to apply to Pearl River home sellers who received the one-time First Time Home Buyer Credit when they bought their property. This is another area where you should seek qualified tax advice; one example is the special consideration that may be granted for those who have not previously deducted all the points paid for their mortgage. Details are in IRS Publication 523 — at last check, the rules are unchanged (the ‘Recent Developments’ heading is refreshingly empty). 3 Cheerful Tax Facts for Pearl River Home Sellers

This all goes to reinforce the point that Pearl River home sellers should always be sure that they leave none of homeowners’ tax benefits on the table. Uncle Sam provides them to encourage taxpayers to behave in ways they believe to be beneficial to all of us: home ownership is decidedly one of those. 3 Cheerful Tax Facts for Pearl River Home Sellers

As always, be sure to consult your tax professional for all major moves. And when you’re ready for a real estate professional, I’m here to help every step of the way!  3 Cheerful Tax Facts for Pearl River Home Sellers. Give me a call on 845  544 4026 or email me at riggsmarcella@gmail.com & I’ll put you in contact with some really helpful people! Or click here to check out some other helpful hints on my website!

‘The Moment’ Pearl River Relocating Plans Meet the Unexpected

 ‘The Moment’ Pearl River Relocating Plans Meet the Unexpected

Marcellariggs.com

riggsmarcella@gmail.com

845 544 4026

Most everyone with any relocating experience should recognize ‘the moment.’

No matter how much advance thought and elbow grease you’ve put in, that’s the moving day moment when everything seems to starts happening at once, and there’s literally no time left to attend to the stray details you’ve been meaning to take care of … ‘The Moment’ Pearl River Relocating Plans Meet the Unexpected

It’s all but inevitable: the yellow pad that you’ve organized with all the Pearl River contact information you need today more than any other day: why, it’s packed! and sealed! inside one of the cartons that’s already out there in the van!  ‘The Moment’ Pearl River Relocating Plans Meet the Unexpected

When you’re relocating from (or to) Pearl River,  the unplanned will always happen. Nevertheless, you can control the areas that have the most impact on how successful your move will be. 

One element that needs careful attention is the people part. It’s too easy to lose touch with those who are important in your life, so decide early how to announce to family and friends your relocating timetable. With a little preparation and imagination, it’s possible to turn events like garage sales and going-away parties into really fun celebrations.  ‘The Moment’ Pearl River Relocating Plans Meet the Unexpected

A good idea is to assemble key belongings in a box that will accompany you: important documents like passports and birth certificates, jewelry, or other prized possessions. ‘The Moment’ Pearl River Relocating Plans Meet the Unexpected

Most household moving veterans agree that the single most vital step is securing a dependable moving company. Price is important — but so is hiring a group that will guard your belongings safely during your Pearl River relocation. Scrupulous interviewing and checking out the reputation of mover candidates will more than pay off in reduced stress come moving day. And even if you are an eternal optimist, get adequate insurance: relocating does inevitably involve unforeseeable risk. ‘The Moment’ Pearl River Relocating Plans Meet the Unexpected

‘The moment’ when your relocating is in full swing can be one when you are able to enjoy the anticipation of a new and exciting chapter in your household’s history. If you have sold your Pearl River home already – congrats! And if you are just beginning the process, do give me a call — I’d love to put my resources to work for you!  Marcella 845 544 4026 or email me at riggsmarcella@gmail.com or just browse through listings on my website by clicking here to go to marcellariggs.com

Financing Ideas for New City Investment Properties

Financing Ideas for New City Investment Properties

Marcellariggs.com

riggsmarcella@gmail.com

845 544 4026

Never mind what those TV get-rich-quick infomercials would have us believe: building long-term wealth requires focus and patience. Patience, because a steady growth is a more reliable strategy than flashier single investment ‘wins’ — and focus, because opportunities slip past when daily demands soak up all our attention. Financing Ideas for New City Investment Properties

For financially secure individuals, current real estate trends deserve some attention. Right now we have an environment that may be unique in our lifetimes — one that calls for seriously considering the long-term potential investment properties offer. If you agree that investment properties in New City are worth investigating further, you will discover multiple financing alternatives: Financing Ideas for New City Investment Properties

·        Finding a mortgage for New City investment properties is the choice most people think of first. However, since the lending market is still in recovery mode, it may be a while before most down payment requirements drop below 20%-30%

·        By setting up a self-directed IRA, you may be able to make investments through your existing savings. Such investments come out of your IRA, and the profits generated remain there and grow tax-free until you retire. There are limitations to this method of financing: don’t rely on this route until you have sought the advice of a qualified financial advisor or your tax attorney.

For anyone 62 or older, an idea that is not often considered is the reverse mortgage. The object is to allow you to access equity from the property you currently own without having to sell it. Unlike a regular mortgage, the equity released need not be repaid until the mortgaged property is sold or the borrower dies; but it may be repaid with the interest accrued without penalty at any time. Financing Ideas for New City Investment Properties

To be sure this or any of the other financing paths work to your advantage, you’ll need a sharp pencil — and guidance from a reliable licensed financial counselor. If you’ve already been thinking that the time is right to start or grow your investment portfolio through the purchase of real estate, contact me for hot leads on some of today’s best investment properties in New City. Marcella 845 544 4026  riggsmarcella@gmail.com or click here to browse through my website, marcellariggs.com 

New City Luxury Homes Need Luxury Financing

New City Luxury Homes Need Luxury Financing

Marcellariggs.com

riggsmarcella@gmail.com

845 544 4026

Any home carrying a price tag of $1 million or more generally falls into the ‘luxury property’ category.­­ To finance it, a luxury loan is called for.  Since financing luxury homes in town can be more challenging than financing run-of-the-mill properties, many prospective home owners at the luxury level seek the services of a specialist lender. MarketWatch has found that the average price of luxury properties in some major US cities is well over the million dollar threshold – making care in preparing jumbo loan applications more important than ever.New City Luxury Homes Need Luxury Financing

Whether or not you choose to ask your REALTOR® to help you find a mortgage broker well-versed at your price point, the same guiding principles need to be followed:

Detail-Orientation

As with any credit application, you need to ensure that yours is squeaky clean. Don’t short-change any detail (even those that seem unimportant or redundant). Prepare in advance by checking your credit record with all three major bureaus to ensure there are no damaging inaccuracies. Curing them can take time, so starting early pays off. New City Luxury Homes Need Luxury Financing

Right-Sized Deposit

The larger your deposit, the greater the odds of approval when financing luxury homes in New City. It stands to reason. The more you can contribute above the standard deposit rate, the clearer your message: this loan will constitute less risk.  New City Luxury Homes Need Luxury Financing

Shop Around for Good Rates

The constrained market for jumbo loan resale is one of the reasons rates are somewhat higher than those more commonly available, so keeping a shopper’s mentality is a good idea. When financing luxury New City homes, keeping the rate as low as possible is only prudent. Aim to obtain good faith estimates from a few lenders to find see who is currently offering the best deal. New City Luxury Homes Need Luxury Financing

With luxury home prices on the rise in many areas, if you’re considering buying or selling one this season, it’s worth remembering that financing luxury homes can be the most challenging part of the process.  I furnish top-notch referrals when needed. I’m here not only to help you find the home of your dreams ­-- but also to help make it yours.  Call me, Marcella, 845 544 4026 or email me at riggsmarcella@gmail.com or click here to check out some listings at marcellariggs.com

Aged Kitchens Cause Pearl River House for Sale Dilemmas.

Aged Kitchens Cause Pearl River House for Sale Dilemmas

Marcellariggs.com

Riggsmarcella@gmail.com

845 544 4026

For homeowners preparing a Pearl River house for sale, it’s often the single most difficult decision: what about the kitchen? When the kitchen is undeniably past its prime, it can be a true dilemma. We all know that kitchens can sell a home, but when the budget for a full-blown remodel doesn’t make financial sense, what are the alternatives? Aged Kitchens Cause Pearl River House for Sale Dilemmas

Enter remodeling’s more practical first cousin: refacing. Faster, cheaper — and sometimes every bit as effective — kitchen refacing is a widely overlooked solution to a dated or otherwise less-than-desirable kitchen. It may not be the whole answer: sometimes appliance replacement needs to be seriously considered; sometimes a flooring problem can’t be ignored. It’s likely that hardware will need to be replaced. But refacing (covering the exposed surfaces of cabinets or countertops with a new fabricated surface) can result in the most dramatic cosmetic impact of all. Whether a thin veneer of real wood or long-lasting plastic laminate is used, before listing a Pearl River house for sale, it can pay to factor in refacing’s practical advantages: Aged Kitchens Cause Pearl River House for Sale Dilemmas

·       Refacing costs about half as much as a traditional remodel.

·       A refacing project should take less than a week — ideal for sellers with a short timeframe for getting their house on the market.

·       It’s a green solution: old cabinetry isn’t sent to the landfill, and some surfaces made from recycled materials are available.

Refacing may not fix an truly unworkable kitchen design, and you still need to resist the temptation to blow the budget on higher-end finishes, but in many cases, it solves the problem in a most practical way. Aged Kitchens Cause Pearl River House for Sale Dilemmas

If you are readying your house for sale this spring and could use a second pair of eyes, I hope you’ll contact me for an in-home visit. We can go over the areas of your home that will most benefit from improvement, and prepare a marketing strategy that will turn your “house for sale” sign into one that reads “sold”! Aged Kitchens Cause Pearl River House for Sale Dilemmas.

Marcellariggs.com

Riggsmarcella@gmail.com  845 544 4026