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Century 21

Header  

 OCTOBER 2013
In This Issue
New Listings
Featured Listing
Good News For Housing
Clean Up Halloween Pranks
LINKS

 NEW LISTINGS 
101 Nottingham Rd, Bedford Hills $199,900
20 Spruce Rd, Brewster $405,000
  
142 Dog Tail Corners Rd, Wingdale $199,999
  
10 Ames Rd, Brewster $599,999
  
93 Smalley Corners Rd, Carmel $1,300,000
  
16 Railroad St, Dover Plains $290,000
 
13 Paddock Ln, Brewster $369,999
TO BE BUILT Lot A State Line Rd, Brewster $1,650,000
11 Tamarix Dr, Brewster $369,999
             
TO BE BUILT Lot 2 Reservoir Rd, Brewster $1,590,00

TO BE BUILT Lot 20 Welfare Rd, Brewster $969,000
LAND 9 Lyons Farm Ct, Brewster $339,000
    
10 Brook   FEATURED LISTING
 $174,900

10 Brook Drive, New Fairfield, CT

Owner says SELL! 3 bedroom ranch with open floor plan in the Candlewood Hills neighborhood of New Fairfield. Huge eat-in kitchen, large deck and pretty corner lot.  Room for storage in the walkout basement. Beautiful location near Candlewood Lake. Low taxes. Just move in! This is not a short sale!

  
For more information on this property, please click here or call 845-279-7700 to schedule an appointment.
 GOOD NEWS FOR THE HOUSING MARKET
 

Over the past week, there were two announcements that provided positive news for all homebuyers, and homeowners:
 

 

  1. The National Association of Realtors announced that home prices rose 12% compared to this time last year. This was the highest increase since 2006.
  2. The Federal Reserve reversed its previous announcement in June by stating it would continue its bond buying stimulus to help keep interest rates low for the near future.
Why is this important? Rising home prices build confidence in the real estate market. This will draw new buyers into the market which will further help to sustain and improve the overall economy. For existing homeowners, they will likely see their equity continue to increase as home prices rise. Homeowners who have been unable to sell their homes because they had no equity or negative equity, will be able to enter the market. This will also result in fewer short sales going forward.

 

Should consumers buy a house now since prices are rising again?

 

The time to buy is NOW.

 

Home prices are likely to continue to rise into next year. Additionally, the Federal Reserve will eventually stop the stimulus of purchasing bonds. When this occurs, rates will rise at a faster pace than we are used to seeing. The bottom line is, delaying a home purchase would likely result in not only paying more for a home but also paying a higher mortgage rate as well.

 

Another and more poetic way of announcing this news:

 

For an extended and painful period of years the real estate market was very ill. It was once said in a poem that "there is no joy in Mudville". However that was some time ago and now all signs point "Go".   


The real estate market is back and

those who buy now will avoid future flack.

Yes there is good news to share

from the news that was announced last week on air.

The real estate market is back, it is no longer ill.

And the people all rejoiced, in the little town of Mudville.

 

 

Carey Lance Hollander is the Branch Manager at GFI Mortgage Bankers, and has been helping home buyers for 22 years. He can be reached at 914.424.5962.

 How To Clean Up After Halloween Pranks
Halloween cleanup can be the scariest thing about the holiday. Here's a tip sheet on how to remove eggs, toilet paper, wax, and other messes that go bump in the night.
  
  
When the fun is over, the cleanup begins. Here are some tips from the American Cleaning Institute and others on removing the Halloween mayhem that little tricksters leave behind.
  
Egg Splatters on Your House

Time is your enemy when your house has been egged, because sunbaked yolks can stain your siding. Also, micro-shards of shell can become embedded in paint or act as an abrasive when you clean off the gunk.

Instead of scrubbing, spray away the egg with your garden hose. But don't aim the hose full blast at the yolk, which will splatter the mess. Instead, Popular Mechanics magazine suggests first wetting the siding below the egg, then gently spraying the siding above the egg; the water will fall in sheets and flush away the mess.

If you need more cleaning oomph, dip a brush into a bucket of warm water (never hot, which will bake on yolks) and dish soap, and then scrub away the mess.

 

Toilet Paper in Your Trees

Wet toilet paper is a beast to remove from trees. So wait until the sun evaporates dew; or, if rain is predicted, start removal right away.

Use a rake to grab and pull the TP down, a leaf blower to blast it, or a telescoping reacher/grabber to pluck it.

Start at the top and work your way down. Immediately throw paper away: Leaving it on your lawn can smother grass.

 

Candle Wax on the Carpets

Never try to remove hot wax from carpeting. Not only can you burn yourself, but you'll likely spread the wax, making a bigger mess.

When the wax has cooled, break it with a dull knife or Popsicle stick. Throw away the pieces.

Cover remaining bits with a paper towel or rag, and press a warm iron to the area. Replace the towel frequently to avoid spreading the wax.

 

Halloween Makeup on Upholstery and Carpet

Many commercial carpet and upholstery cleaners remove makeup from unwanted places. The only tricky part is applying these cleaners.

Always test the cleaner on an inconspicuous spot. Apply a dab of cleaner on a white cloth, then hold it to the test area for about a minute. If no color is transferred to the white cloth, the cleaner is safe.

Never rub cleaner on a stain. Rather, blot the stain starting from its outer edge and work to the center.

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Century 21

 
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In This Issue
New Listings
Featured Video
How To Budget
LINKS

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 NEW LISTINGS 
239 Towners
239 Towners Rd, Carmel $129,000
107 Eagles Ridge
107 Eagles Ridge, Brewster $190,000
  
 
30 Old
30 Old Rd, Brewster $299,999
  
12 oak
12 Oak Rd, Brewster $429,999
  
10 Rebecca
10 Rebecca Ln, Pawling $350,000
  
21 Village Park
21 Village Park Dr, Fishkill $119,900
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
  
   
  
  
  
  
  

FEATURED VIDEO
  
52 Maple Drive, Brewster, NY
52 Maple Drive, Brewster, NY  $310,000
  
This is a beautiful, move-in ready home with 3 bedrooms, 1.5 baths and 1,150 sq.ft. Features include a huge living/dining area with hardwood floors, a large eat-in kitchen with island and granite countertops, and gorgeous tiled baths. There is a large deck and a detached 1-car garage. Recent renovations mean most everything is new, including the septicm roof, well pump, windows and more! This home is truly in "move-in" condition.  Contact us for an appointment to see this home.
HOW TO BUDGET FOR YOUR FIRST HOME
So, you've gotten your financial situation in order   and are ready to buy a house. Do you know how much house your monthly budget can handle?

 

You've probably used a mortgage calculator to get an idea of the price range in which you should be looking. While that might give you a very rough idea of the homes you should consider, it shouldn't be the only budgeting you do, said Kelli Roland, housing manager for American Financial Solutions, a nonprofit credit-counseling agency.

 

In addition to your down payment, there are other expenses to consider, both at closing and after your moving truck pulls up, including:

 

  • The upfront cost of a home inspection (approximately $300 to $400).
  • Closing costs, including appraisal, loan, title and lender fees. The average closing cost on a $200,000 mortgage is $3,754, according to Bankrate's annual survey of closing costs.
  • Monthly homeowners-association fees.
  • Moving costs.
  • Maintenance costs; credit counselors suggest putting aside 1% of your home's value annually to make needed repairs.
  • Higher utility costs.
The bigger gas, electric or water bills that come with a home often take new homeowners by surprise, Roland said. She suggests calling your local utility company before you buy to get an idea of what the average bill is in your area.

 

Roland and other credit counselors also suggest that before you purchase, you practice making mortgage payments, transferring the difference between your current rent and the expected mortgage bill into savings. Roland did this when she bought a house in 2011, putting an extra $700 a month into a savings account.

 

"We needed to know, 'Can we really afford that and live comfortably and not end up with $40 until the next payday?'" she said.

 

Other expenses that buyers don't remember to budget for are things such as curtains or blinds for their new house, a lawn mower, garage shelving and new appliances if the ones in the home are on their last legs. "You need to make sure you have money set aside for those things," Roland said.

 

It's important to be realistic about what you can afford each month and still maintain the lifestyle you want, complete with vacations, piano lessons and the occasional dinner out.

 

Get preapproved for a mortgage before you start shopping for a home. But just because you're approved for a certain amount, don't think you necessarily should spend that much. "Banks will often qualify you for more than you should get," Roland said.

 

Fannie Mae advises that buyers spend no more than 28% of their gross income on a mortgage payment and no more than 32% on total housing costs, including mortgage, insurance, property taxes and private mortgage insurance (PMI), which is required if your down payment is less than 20%.

 

So be house proud, and not house poor, by setting a realistic budget and sticking to it.

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