LISTING, REFFERRALS, BUYERS, SELLERS. YOU TRIED THE REST NOW COME BACK TO THE FAMILYA FAMILY AFFAIR REALTY, STATEN ISLAND FOR SALE, HOMES FOR SALE, HOMES FOR SALE IN STATEN ISLAND, HOMES FOR SALE IN STATEN ISLAND NEW YORK, HOMES FOR SALE IN NEW YORK, STATEN ISLAND HOMES, STATEN ISLAND REAL ESTATE, STATEN ISLAND REALTORS, STATEN ISLAND INVESTMENT PROPERTIES, NY HOMES, NEW YORK PROPERTIES, RICHMOND HOMES, RICHMOND REALTORS, RICHMOND COUNTY HOMES, RICHMOND COUNTY REALTOR, REAL ESTATE IN STATEN ISLAND, OPEN HOUSE, CARAVANS, FREE APPRAISAL, BUY A HOME, SELL A HOME, RENT A HOME, BUY SELL RENT, HISTORIC, SHOWCASE, STATEN ISLAND COMMUNITY COLLEGE, ST. JOHN S UNIVERSITY, WAGNER COLLEGE, MOVING, RELOCATING, NAR, NATIONAL ASSOCIATION OF REALTORS, OWNER, RENTOR, SELLLER,BUNGALOW, CAPE, COLONIAL, CENTER HALL COLONIAL, SIDE HALL COLONIAL, CONTEMPORY GARDEN, GARAGE TO GARAGE, HI RANCH, RANCH, RAISED RANCH, TUDOR, VICTORIAN, BUNGALOWS, TRAILER PARK, LAND, LOTS, RESIDENTIAL, COMMERCIAL, BUSINESS, RESIDENTIAL RENTALS, BUSINESS RENTALS, COMMERCIAL RENTALS, MULTI-FAMILY, 1 FAMILY DETACHED, 2 FAMILY DETACHED, 1 FAMILY SEMI, 2 FAMILY SEMI, 1 FAMILY ATTACHED, 2 FAMILY ATTACHED, CODO, CONDOMINIUM, CO-OP, COOPERATIVE, DEVELOPMENT, TOWNHOUSE, TOWNHOME, BROOKLYN NEW YORK, KINGS COUNTY, USA
ANNADALE, ARDEN HEIGHTS, ARLINGTON, ARROCHAR, BAY TERRACE, BLOOMFIELD, BULLS HEAD, BUTLER MANOR, CASTLETON, CHARLESTON, CLIFTON, CLOVE LAKE, CONCORD, DONGAN HILLS, DONGAN HILLS ABOVE HYLAN, DONGAN HILLS BELOW HYLAN, ELM PARK, EMERSON HILL, ELTINGVILLE, FORT WADSWORTH, GRANITEVILLE, GRASMERE, GREAT KILLS, GRYMES HILL, HEARTLAND VILLAGE, HIGH ROCK, HUGUENOT, LATOURETTE, LOWER TODT HILL, LIGHT HOUSE HILL, MANOR HEIGHTS, MARINERS HARBOR, MIDLAND BEACH, NEW BRIGHTON, NEW DORP, NEW SPRINGVILLE, OAKWOOD, OLD TOWN, PARK HILL, PLEASANT PLAINS, PORT RICHMOND, PRINCESS BAY, RANDAL MANOR, RICHMOND TOWN, RICHMOND VALLEY, ROSEBANK, ROSSVILLE, ROYAL OAK, SOUTH EAST ANNADALE. SHORE ACRES, SILVER LAKE, SOUTH BEACH, SAINT GEORGE, STAPLETON, SUNNYSIDE, SUNSET HILL, TODT HILL, TOMPKINSVILLE, TOTTENVILLE, TRAVIS, WARD HILL, WEST BRIGHTON, WESTERLEIGH, WILLOWBROOK, WOODROW, PICTURES, VIRTUAL TOUR, SLIDE SHOW, RESALE, NEW CONSTRUCTION, FIXER UPPERS, HANDYMAN SPECIALS, NEW HOMES, PERFECT HOME, HOME, ASPEN KNOLLS, MLS, MULTI LISTING SERVICE, NEED TO SELL, NEED TO BUY, MORTGAGE, CREDIT CHECK,
10301, 10302, 10303, 10304, 10305, 10306, 10307, 10308, 10309, 10310, 10311, 10312, 10313, 10314, ZONING, R1-1, R1-2, R-2, R3A, R4A, R3-1, R4-1, R4B, R3-2, R4, R5, R5B, BAYLEY SETON HOSPITAL, DOCTORS HOSPITAL, SEAVIEW HOSPITAL, SEAVIEW HOME, STATEN ISLAND HOSPITAL NORTH AND SOUTH, SAINT VINCENT S MEDICAL CENTER, PRIVATE AND PAROCHIAL SCHOOLS, PUBLIC SCHOOLS, HOUSES OF WORSHIP, WAYS TO MAKE SELLING YOUR HOME EASIER, WAYS TO GET YOUR HOME SOLD FAST, SERVICES OFFER TO SELLERS, SERVICES OFFERED TO BUYERS, NEIGHBORHOOD, LICENSED REAL ESTATE SALES PERSONS,
REAL ESTATE AGENT, REAL ESTATE BROKER, AMERICAN DREAM, CUSTOMER, CLIENT, PRINCIPAL, COMMISSION, AGENCY, PROPERTY, PURCHASERS, SELLING AGENT, LISTING AGENT, AGENTS RESPONSIBILITIES, ENGINEERS, ATTORNEYS, ADVERTISING, STATEN ISLAND ADVANCE, COURIER MAGAZINE, STATEN ISLAND BOARD OF REALTORS, SIBOR, WEB SITE, FIRST HOME, FIRST TIME BUYERS, REFERRALS, LOFT, CUL-DE-SAC
PLACE, STREET, BLDV., BOULEVARD, AVENUE, ROAD, TERRACE, INDEPENDENTLY OWNED, AFFORDABLE, HOUSING, ACTIVITIES LEISURE, CULTURAL, ETHNIC, COMMUTE, EDUCATION, SCHOOL DISTRICT, RURAL, COUNTY, CITY, PRICES, PRICEY HOMES, HOME APPRECIATION, LIFESTYLE, LAWN, FLOOD INSURANCE, HOME INSURANCE, EQUITY, COSTCO, HOME DEPOT, LOWES, TARGET, FIND THE RIGHT REALTOR, CONSUMER, FREE ESTIMATE, HOW MUCH IS MY HOME WORTH, APPRPAISER, MARKET, FEE FOR SERVICE, DISCOUNT BROKER, ATTORNEY, FEES, AGENTS, SALESPERSONS, ASSOCIATE BROKER, PORCH, NEIGHBORHOOD, CORPORATE PARK, SOUTH AVENUE, STATEN ISLAND MALL, SHOPPING AREA, MORTGAGE RATES, HOAM LOAN, QUOTES, LOWEST, HIGHEST, LENDERS, SNUG HARBOR, AFFORD, INVESTING, BIG CITY, AMENTIES, LESS STRESS, POPULATION, MORTGAGE BROKER, MORTGAGE QUOTES, REFINANCE, NEGOTIATING, HOUSE VALUES, HOME VALUES, NUMBER OF BATHS, NUMBER OF BEDROOMS, MAXIUM PRICE, MINIMUM PRICE, AFAREALTY,
AFFORDABLE, HOUSING,ACTIVITIES, LEISURE, CULTURAL, ETHNIC, COMMUTE, EDUCATION, SCHOOL DISTRICT, RURAL, COUNTRY, CITY, PRICES, PRICEY HOMES, HOME APPRECIATION, LIFESTYLE, LAWN, FLOOD INSURANCE, EQUITY, BROWSE, SEARCH, CONSUMER, FREE ESTIMATE, HOME WORTH, APPRAISAL, MARKET, FEE FOR SERVICE, REBATE, DISCOUNT BROKER, ATTONREY FEES, AGENT, SALEPERSONS, BROKER, BAD CREDIT, GOOD CREDIT, PORCH, NEIGHBORHOOD, FIND THE RIGHT REALTOR, PMI, PRIVATE MORTGAGE INSURANCE.
PLATINUM FINANCE,STREAMLINE MORTGAGE,CITY ATLANTIC,HOW TO CLEAN, CLEANING TIPS,PLACES TO VISIT INSTATEN ISLAND,FREE WEB ADVERTISEMENT, REALTOR.COM, NEWLYWEDS, RELOCATION PROGRAM. PRE-QUALIFY BUYERS FOR FOR SALE BY OWNERS,BROOKLYN, 11231, 11232, 11234,FORCLOSURE, PRE-FORCLOSURE, STOP FORCLOSURES, AVOID FORCLOSURE, LIS PENDEN,HGTV,GOOD HOUSE KEEPING,DISNEY,PASS THE PLATE,START AT HOME,DESIGN TO SELL,HOUSE HUNTERS,PROPERTY VIRGINS, MY FIRST PLACE, WHAT'S MY HOME WORTH,THE BEST OF THE BEST,RECEIPES, DIET & HEALTH, STYLE & BEAUTY,FAMILY & KIDS,TEST YOUR BRAIN,MAKEOVERS
BUYING TIPS, EASY WAYS TO GO GREEN, DINF A DIET,NAMES & FACES, SAVING MONEY, TODAYS DINNER,TRULIA,ACTIVE RAIN,POINT 2, HANDSHAKE,BACKSTAGE,CRAIG LIST,EVERYDAY HEALTH,TRACK CALORIES,
CARBS,SUGAR,PROTEIN,VITAMIN A, VITAMIN C,IRON,PROTEIN,MENU,COUNT,STATUE OF LIBERTY, COMMUNITY AFFAIRS, BRONX ZOO, CENTRAL PARK, HOMEWORK,ENERGY EFFICIENCY, PLATINUM, FINANCE, BROKERS, HAPPENINGS ON STATEN ISLAND, COUNCIL OF THE ARTS AND HUMANITIES, ALL ABOUT HOMES, CLEANING TIPS, CITY ATLANTIC, ATLANTIC CITY, HGTV, NEW YORK CITY WEB SITES,INFORMATION, COMPLAINT, OFFICIALS, ACTIVE RAIN,PRINTABLE CHECKLIST, GROCERY LIST, GOOD HOUSEKEEPING,THE FINAL WORD, AL SIMONE, APPRAISAL, CERTIFIED APPRAISER, HOME SAFETY, AMBER ALERT, ENCYCLOPEDIA OF LIFE, LIFE LOCK,STOP JUNK MAIL, SECURE IDENTITY,ST.JUDE, FIGHTING CANCER, SPECIAL EVENTS, CHILDREN, DISCOUNTED PRESCRIPTION, UNINSURED, UNDERINSURED, RESIDENTS, DIABETICS, EVERYDAY HEALTH, FAMILY FUN, PARTY IDEAS, CELEBRATE, PRECIOUS PARTY, MIKE SPEER, WINDOWS, DAVID SAFFRAN, PHOTOGRAPHY, SPECIL OCCASIONS, HIGH CLASS CARPET CLEANER, NATIONAL WEATHER SEVICE, REAL TIME TRAFFICE REPORT, HOMEWORK HELPER,NEW YORK YANKEES, STATEN ISLAND YANKEES, NEW YORK METS, BROOKLYN CYCLONES, LIBERTY TAX, SERVICE. KEY WORDS
|
|
|
|
|
|
|
Down payments - typically range from 3 to 20 % of the price of the Home you wish to purchase. The amount of your down payment will affect what type of loan you can qualify for, as well does your credit score. Some buyers (depending on their credit score)
can qualify for as much as 100 to 106% financing and zero money down. A meeting with a
loan officer will be instrumental in determining your amount of down payment as well as
your credit score.
IMPORTANT - do not have more then one credit report done within six months. Running credit reports can lower your credit score.
How to accumulate a Down Payment -
Save
- Look for ways to reduce your monthly expenses.
- Enroll in automatic savings plan at your job or at your bank.
- Reduce your credit card debts. Pay off high interest credit cards.
(By calling your current credit card companys and asking them to
lower the interest rate is sometimes all it takes, or you can try to
apply for a 0 % card and transfer your balances.)
Borrow
- Check the provisions of your Retirement Plan, you may be able to
borrow from it.
- You can also borrow funds from a 401(k)
- Withdraw from an individual Retirement Account
Be sure you check out the tax consequences, repayment terms and /or possible early withdrawal penalties .
Move
- If needbe, you may be able to save additional monies if you move into
a less expensive housing.
- Newlyweds, live with family members for as long as you can or for as
long as they will have you.
Gift from Family
- Parents and other family members are ofter anxious to see their children
purchase their first home and may have the means to give you a gift of
money for a portion of your down payment.
Sell some investments
Get a second job and save your earnings
Skip a years vacation
Newlyweds - Having a moderate wedding instead of an elaborate one and using the money you save to purchase a home that will last you a lifetime and be an investment in your life is more then worth it.
ALTERNATIVE SOURCES (check with your lending officer regarding the following)
No-down and low down payment Mortgages
FHA Loans
VA Loans
Piggy-Back Loans
"Carry Back" Mortgage
Documenting Your Down Payment - Documenting that it comes from your savings and that you will have the means after the down payment for closing fees and the ability to repay the loan gives the lender confidence in your strength as a borrower.
ACCEPTABLE DOWN PAYMENT & CLOSING COSTS SOURCES
Cash in a Bank Account
Mutual Funds/stocks/IRA/401(k)
Proceeds from the sale of another property
Gift from an immediate relative
** To request more info, please fill out the following form:
|
|
|
|
|
|
|
