Diana's Neighborhood

Candlewood Lake

dianasantos — Thu, 22 Mar 2012 02:56:47 +0000

With Spring upon us and this wonderful warm weather, I can’t wait to head out to the lake… Candlewood Lake!

Happy St. Patrick’s Day!

dianasantos — Sat, 17 Mar 2012 18:11:27 +0000

Happy St. Patrick’s Day!

Pic by: Jude Doyland

Century 21 and The Super Bowl

dianasantos — Mon, 16 Jan 2012 14:55:50 +0000

Super Bowl XLVI is right around the corner, and so is the CENTURY 21® Super Bowl Commercial!

For the first time in the 40-year history of our brand, we will air a commercial during the most watched television event of the year.

The Super Bowl has a unique place in American television: when the commercials air, viewers actually start paying more attention to the broadcast. Did you know that over 111 million people are expected to watch this year’s Super Bowl, and I hope you will be watching and see CENTURY 21 Agents right in the middle of it!

On February 5th, tune in to your local NBC station to watch as CENTURY 21 Real Estate takes a new place in history! We are sponsoring a full half-hour segment in pre-game, and we air 11 pre-game commercials during that day. And of course, as our finale, our special :30 Super Bowl commercial will air in the 3rd quarter of the game itself.

Don’t forget to watch and vote for us! You’ll see exactly how to cast your vote for your favorite commercial on Super Bowl Sunday at century21.com.

CENTURY 21 Agents: Smarter. Bolder. Faster.^SM

Rate Update…. Very Low!

dianasantos — Mon, 05 Dec 2011 01:16:49 +0000

Carey Lance Hollander
Retail Sales Manager
Guaranteed Home Mortgage Company
Phone: 914.424.5962License: NMLS # 74044
chollander@ghmc.com
www.ghmc.com/chollander

DOES PAYING POINTS MAKE SENSE?
Points are up-front fees paid to obtain a better interest rate on a loan. One point equals one percent of the loan amount. A lower interest rate may result in a lower monthly payment, but it is important to consider how long you intend to be in the loan, and to compare current rates to historical market trends.

If you take out a $300,000 mortgage and decide to pay one point, this translates into an up-front closing cost of $3,000. Paying a point up front saves $100 a month but it will take 30 months to recuperate the cost of that point. If you decide to refinance or sell the home before the 30-month mark, your money is lost. In this case, you would benefit financially by remaining in the home longer than the 30 months.

Rates run in cycles. When rates are at historical lows, it is sensible to pay points if you plan to live in the home for an extended period of time. It is unlikely that rates will go down; hence, there will be no need to refinance.

When rates are up, there is a strong likelihood that they will come down. This is no time to pay points. The chances of refinancing in the future are extremely high, and you will likely not be in the loan long enough to recuperate the cost of the points.

Mortgage Interest Rates* CRAZY LOW!!!

Rates as of Saturday, 3rd December, 2011:

	Term	Conforming	APR	Payment per $1,000	Jumbo	APR	Payment per $1,000	Arm Reset Term
30 Year Fixed Conventional	360	3.875%	3.909%	$4.70	4.375%	4.397%	$4.99	-
10/1 ARM	360	4.0%	3.782%	$4.77	4.0%	3.782%	$4.77	360
7/1 ARM	360	3.25%	3.338%	$4.35	3.25%	3.338%	$4.35	360
5/1 ARM	360	2.875%	3.222%	$4.15	2.875%	3.222%	$4.15	360

*Rates are subject to change due to market fluctuations and borrower’s eligibility. Payment amounts do not include amounts for taxes and insurance. Actual payments will be higher.

For professional use only. Not intended for consumer distribution.

Regarding the ARMs: Rates are up to $1,000,000 loan amounts. 20% down is the minimum downpayment required. Rates chance daily, not all borrowers will qualify. Equal Housing Lender/Direct Lender

Holiday Lights

dianasantos — Thu, 01 Dec 2011 17:00:27 +0000

LED Holiday Lights: 6 Need-to-Know Tips

LED holiday lights vs. old-fashioned bulbs: 6 tips to help you decide which is right for you. Read

Visit houselogic.com for more articles like this.

Estimate Your Expenses Before Buying a Home

dianasantos — Wed, 09 Nov 2011 20:56:41 +0000

Estimate Your Expenses Before Buying a Home….

CLICK Here to Read Article in the New York Times

Personal Letter Lands a Home Sale

dianasantos — Sun, 23 Oct 2011 04:09:33 +0000

Personal Letter Lands a Home Sale ~ www.RealEstate.AOL.com

~~~~~~~~~~~~~~~~ CLICK Here to View ~~~~~~~~~~~~~~~~~

Delwin Steven Campbell – Flickr.com

64 Cunningham Lane Pawling NY

dianasantos — Tue, 11 Oct 2011 23:00:31 +0000

Beautiful Colonial For Sale in Pawling NY

64 Cunningham Lane ~ Pawling NY

Click Here to View Listing Sheet with Additional Photos!

Buying a Short Sale

dianasantos — Tue, 11 Oct 2011 17:24:15 +0000

Another great video from http://www.AOLRealEstate.com

““““““““CLICK Here to View “““““““““

Details Home Staging

dianasantos — Sun, 09 Oct 2011 03:24:30 +0000

Looking for someone to help you organize your home or office? To stage you sell your home – or staging for youself – contact Details Home Staging!

PMI Insurance is Tax Deductable

dianasantos — Sun, 09 Oct 2011 03:15:23 +0000

As you probably know, “piggy back” loans to avoid mortgage insurance are non existent and therefore homebuyers have no choice but to pay mortgage insurance when the down payment is less than 20%. What you may not know is that PMI IS tax deductable (see article below) which makes it more palatable.

Carey Lance Hollander
Retail Sales Manager
Guaranteed Home Mortgage Company
Phone: 914.424.5962
License: 74044
chollander@ghmc.com
www.ghmc.com

Congress Makes PMI Tax Deductible
Millions of Borrowers Will Benefit

The federal government’s Private Mortgage Insurance legislation is great news for the real estate industry! Enacted on January 1st, 2007, the bill makes Private Mortgage Insurance (PMI) tax deductible for borrowers whose personal adjusted gross income is $100,000 or less. For millions of home buyers, the bill creates an amazing opportunity to finance a more expensive home or potentially obtain a lower payment for the same-priced home, while reducing annual income taxes by hundreds of dollars.

What is PMI?
Designed to protect lenders from defaults and foreclosures, Private Mortgage Insurance is required for loans exceeding 80% of the property’s value or sale price. Prior to the legislation, PMI was generally viewed with contempt by home buyers because of its perceived high cost and the fact that it was not tax deductible. For many borrowers, PMI was the only means available for financing their mortgage.

It wasn’t until the 1990s, when lenders began allowing “piggyback” financing, that homeowners and home buyers had an opportunity to finance a home without PMI. Under this scenario, buyers would take out two loans to cover the total amount borrowed. The first mortgage accounted for 80% or less of the purchase price or appraised value of the home; and the second mortgage, or “piggyback”, covered the remaining amount required to fund the transaction.

Reconsidering PMI
Now, thanks to Congress, potential borrowers may want to reconsider their aversion to PMI. After all, PMI makes it easier for some borrowers to qualify for a loan. Consumers should be aware that when the primary loan is accompanied by a Home Equity Line of Credit (HELOC), the approval of the first loan is contingent upon the approval of the second. In most cases, the approval requirements for the second loan are more stringent than those for the first. Alleviating this obstacle may enable buyers to consider a more expensive home or the purchase of preferred upgrades today rather than years from now.

It’s also important to remember that PMI doesn’t last forever. If a home appreciates at a rate of 4% annually, borrowers will be in a position to remove PMI within four years, resulting in an automatic reduction in the mortgage payment.

What to Do Now
Whether consumers are considering purchasing a new home or restructuring their finances, the first thing they should do is call a mortgage professional. There is a wide variety of options to consider, beyond those that have been presented here, and a mortgage professional will help them to determine which scenario best fits their needs.

If you would like to discuss how your clients can take advantage of the benefits of PMI, please call me! I would welcome the opportunity to speak with you.

Century 21 VJF Realty October Newsletter

dianasantos — Tue, 04 Oct 2011 14:56:04 +0000

Happy Halloween!

October 2011

Newsletter

In This Issue

Our YouTube Channel

NEW LISTINGS

Take The Stress Out

Top Priorities for First Time Buyers

Importance of a Checklist

Century 21 Quick Links

Search for Homes

Join Listingbook

Open Houses

Your Home’s Value

Contact Us

HUGE PRICE REDUCTION!

989 Peekskill Hollow Rd, Putnam Valley $299,999

NEW LISTINGS

20 Deans Corner Rd Brewster $1,150,000

18 The Terrace Katonah $575,000

5 Ivy Ln, Wappingers Falls $240,000

19 Elizabeth Ct Brewster $599,999

20 Saratoga, Carmel $339,000

1025 N. Horsepound Rd Carmel $325,999

24 Allen Dr, Brewster $249,999

5 Freemont Rd, Brewster $169,999

Kent Rd, Wappingers Falls $379,000

Join Our List

TAKE THE STRESS OUT OF HOME BUYING

Buying a home should be fun, not stressful. As you peek into windows looking for your dream home, keep in mind these tips for making the process as peaceful as possible.1. Find a real estate agent who you connect with.Home buying is not only a big financial commitment, but also an emotional one. It’s critical that the REALTOR® you chose is both highly skilled and a good fit with your personality.2. Remember, there’s no “right” time to buy, just as there’s no perfect time to sell. If you find a home now, don’t try to second-guess interest rates or the housing market by waiting longer – you risk losing out on the home of your dreams. The housing market usually doesn’t change fast enough to make that much difference in price, and a good home won’t stay on the market long.

3. Don’t ask for too many opinions. It’s natural to want reassurance for such a big decision, but too many ideas from too many people will make it much harder to make a decision. Focus on the wants and needs of your immediate family – the people who will be living in the home.

4. Accept that no house is ever perfect. If it’s in the right location, the yard may be a bit smaller than you had hoped. The kitchen may be perfect, but the roof needs repair. Make a list of your top priorities and focus in on things that are most important to you. Let the minor ones go.

5. Don’t try to be a killer negotiator. Negotiation is definitely a part of the real estate process, but trying to “win” by getting an extra-low price or by refusing to budge on your offer may cost you the home you love. Negotiation is give and take.

6. Remember your home doesn’t exist in a vacuum. Don’t get so caught up in the physical aspects of the house itself – room size, kitchen, etc. – that you forget about important issues as noise level, location to amenities, and other aspects that also have a big impact on your quality of life.

7. Plan ahead. Don’t wait until you’ve found a home and made an offer to get approved for a mortgage, investigate home insurance, and consider a schedule for moving. Presenting an offer contingent on a lot of unresolved issues will make your bid much less attractive to sellers.

8. Factor in maintenance and repair costs in your post-home buying budget. Even if you buy a new home, there will be costs. Don’t leave yourself short and let your home deteriorate.

9. Accept that a little buyer’s remorse is inevitable and will probably pass. Buying a home, especially for the first time, is a big financial commitment. But it also yields big benefits. Don’t lose sight of why you wanted to buy a home and what made you fall in love with the property you purchased.

10. Choose a home first because you love it; then think about appreciation. While U.S. homes have appreciated an average of 5.4 percent annually over from 1998 to 2002, a home’s most important role is to serve as a comfortable, safe place to live.

~ courtesy Realtor.org

TOP PRIORITIES FOR FIRST-TIME HOME BUYERS

It’s easyfor first-time homebuyers to become overwhelmed as they begin their home search. Often, buyers get distracted by a newly renovated kitchen or finished basement, and lose sight the big picture when choosing a home. See below for three factors that should be a priority as you navigate the home buying process.

1. Pricey proposition – Set a price point BEFORE you start looking for homes. It is important to talk with your REALTOR® about your budget so he/she can focus on homes within your price range. It’s helpful to leave yourself a financial cushion when deciding on what to spend. Factor in closing costs, repairs, down payment and even unexpected expenses to help you find a price you feel comfortable with.

2. Location, location, location – This is one of the few things you absolutely cannot change about your property. If you need to be in close proximity to mass transit or within a specific school district, only view homes that fall within this area. Is it really your dream home if you are out of your desired commuting distance? Also, be aware of the condition of the neighborhood. Is it safe for you to live or desirable should you decide to sell down the line?

3. Room to grow – Remember to ask yourself how long you plan on staying in your new home. Will the one-bedroom loft or two-bedroom cottage work for you in five years?

THE IMPORTANCE OF A CHECKLIST

When looking for a property, the price is far from the only prerequisite. Simplify the home buying process with a checklist of necessary criteria that your new property must fulfill. When you focus on what you absolutely need in your home, you save yourself (and your real estate agent) both time and money. Share your list of priorities with your Realtor, so if needed, she can narrow down the search and eliminate any properties that are out of proximity to your work, public transportation, or desired school district.

When viewing potential properties, bring your checklist, so you can easily compare and rank different homes according to how each meets your needs. Remember there is a difference between your wants and your needs. You may need three bedrooms and although you would prefer hardwood floors, they are not essential. You can always do upgrades later, such as finishing off the basement or attic space or pulling up those carpets…what you can’t change is your property’s location and the size of your lot.

We suggest the following should be included on your list: number of bedrooms, number of bathrooms, number of stories, presence/size of a backyard, style of kitchen, presence of a formal dining room, basement, attic and living room, amount of storage and living space, type of heat, presence of central air, and type of siding.

If you plan to enlarge a home, check with your Realtor to make sure construction is a possibility. For added assistance, century21vjf.com has a buyer’s checklist that you can download here.

Delaying In Getting A Mortgage Could Cost You More

dianasantos — Fri, 23 Sep 2011 03:02:49 +0000

ATTENTION

HOME BUYERS

	IT COULD COST YOU MORE TO DELAY HOME BUYING

	Mortgage Rates vs. Price Reduction Everyone wants to get the best deal when buying a home. However, for buyers who are waiting to see if prices will come down a little more, the wait may cost them. Here’s why: Let’s say a homebuyer wants to buy a home that is listed for $300,000, and let’s say mortgage rates are at 5.25%. But the buyer doesn’t want to pay $300,000, so he delays making an offer until the home is reduced by $10,000. Let’s now say that, while the buyer was waiting for the price to come down, mortgage rates rose by only .75%. And let’s say he finances 90% of the $290,000 purchase price. Instead of saving $10,000, he will end up paying over $35,000 MORE in total payments over a 30-year term than if he had paid $300,000 at a 5.25% interest rate. Of course, this is just an example. But the point is, mortgage rates are just as important as home prices… and right now they are BOTH incredibly low. This is a rare situation, and one that is not likely to last, so if you are in a position to buy, the time is now. About the author: Carey Hollander is a Retail Sales Manager at Guaranteed Home Mortgage Company Inc, a preferred lender of Century 21 V.J.F. Realty Inc. Visit their website for more information or for a loan application. Or, if you have any mortgage questions, call Carey directly at (914) 424-5962 for fast answers! Carey Lance Hollander Retail Sales Manager Cell: (914) 424-5962 Office: (914) 696-3400 x301 Email: chollander@ghmc.com Web: www.ghmc.com/chollander

Century 21 VJF Realty Newsletter ~ August 2011

dianasantos — Fri, 05 Aug 2011 00:25:45 +0000

August 2011

Newsletter

In This Issue

NEW LISTINGS

What NOT to do When Buying

Featured Listing

What Affects Credit Scores?

***RATE ALERT!***

How Are We Doing?

Century 21 Quick Links

Search for Homes

Join Listingbook

Open Houses

Your Home’s Value

Contact Us

NEW LISTINGS

1 Meadowlark Dr, Carmel $480,000

Restaurant for sale! 1292 Route 22, Brewster $1,150,000

136 Towners Rd, Carmel $310,000

14 Lake Ellis Rd, Wingdale $199,900

16 Phillard Rd, Patterson $449,900

17 Oakwood Dr, Brewster $419,000

224 Cricket Hill Rd, Dover Plains $445,000 ALSO FOR RENT MLS #3124747

2404 Village Dr, Brewster $234,900

459 Barrett Hill Rd, Mahopac $399,999

509 E. Branch Rd, Patterson $569,000

82 Livingston, Carmel $229,900

537 Martling Ave, Tarrytown $499,900

13 Union Rd, Carmel $309,000

1801 Village Drive, Brewster $224,900

What NOT to do Before Buying a Home

A lender will examine your debt-to-income ratio to qualify you for a mortgage. Debt-to-income ratio is the percentage of your gross monthly income, before taxes, that is reserved to pay down debt. If you’re serious about buying a home, avoid these common mistakes that will compromise the amount of your approved loan:No new debt!Delay large purchases. This includes jewelry, vacations, appliances and especially vehicles. Hold off on buying a new vehicle, as a sizable monthly car payment can push the debt-to-income percentage over what lenders feel is a safe limit, and you may be denied the loan or have to settle for a smaller loan.Do not co-sign on a loanfor anyone else. Although you will not be making the payment, the lender still views this as your debt.Don’t move money around. A lender will require you to supply bank statements for all your accounts during recent months. Any large deposits or withdrawals will be red flags to the lender, and may slow or inhibit the escrow. Changing banks is also unadvisable. Remember, the simpler your finances are, the better.

Avoid changing jobs. When you change jobs, it can be difficult for lenders to predict future earnings. Any major career changes, such as corporate employee to self-employed, should also be delayed. Remember, the lender will look two years back and average your income. Anything that will make that process difficult is a bad idea.

For more tips on the home buying process, please contact one of our Century 21 V.J.F. Realty professionals today.

FEATURED LISTING

16 Phillard Rd – Patterson, NY 12563

DEPART FROM THE ORDINARY. Contemporary colonial in lovely area on private cul-de-sac. 3 bdrms, 2.5 baths, 2,268 square feet. Enjoy 2-story entry, Pergo floors thruout, large gourmet EIK with cherry cabinets, granite counters & island. Large deck is perfect for entertaining. $449,900

What Affects Credit Scores?

7 Misconceptions about what affects your score If you’re trying to raise your credit score to get a good rate for a refinance or HELOC, you might be surprised by what affects–or doesn’t affect–your score.You have to keep your credit score up in case you want to take out a second mortgage or home equity line of credit (HELOC), or get the lowest premiums on your home owners insurance. Here’s the 411 on how various money management tactics goose up or ding your credit score.More money improves your credit scoreFalse. Your level or sources of income don’t affect your credit score, although lenders may look at it when making loan decisions, according to the Fair Isaac Corp., the company that issues the commonly used FICO credit scores.

Ownership of several credit cards can hurt your credit score

Mostly false. Having many credit lines isn’t necessarily a bad thing, says credit expert Liz Weston, author of Your Credit Score. Multiple lines give you a favorable debt-to-available-credit ratio. But use them correctly: It’s best to keep any balances below 10% or 20% of the total credit line, she says. Anything more will affect the ratio of debt-to-available-credit, which can decrease your credit score.

Opening and closing credit lines can hurt your credit score

True. New credit applications can decrease your credit score, so be careful about applying for new credit cards or personal loans before applying for a HELOC, second mortgage, automobile loan, or other large line of credit.

Surprise: Closing existing credit lines may also hurt your credit score, since it’ll damage your debt-to-available-credit ratio. A good rule is not to make any credit changes in the months leading up to a major credit request, such as for a HELOC.

Consolidating credit lines will help your credit score

Mostly false. Although it may seem like a good idea to move all your balances to one card, that can actually hurt your credit score, since your debt-to-available-credit ratio will spike on that card, says Weston.

However, credit expert Harrine Freeman says such a slight decline isn’t necessarily a deal-breaker for a loan, especially if the card has a lower interest rate and will allow you to pay off the balance sooner. Your score will increase as soon as that ratio goes down.

Changing jobs can hurt your credit score

Partly true. Taking a new job or losing your job doesn’t affect your credit score. However, if you have a spotty employment history, lenders may hold that against you in making a loan. Dips in income may signal that it could be difficult to pay bills in a timely manner.

Co-signing for others can hurt your credit score

Partly true. Simply co-signing on a loan for someone else may not affect your score, but if that person is late on paying the loan, it’s likely to show up on your report, says Freeman. And that’s a nasty surprise if you didn’t know the person was late.

Judgments and liens aren’t considered in your credit score

False. If you’ve had a judgment or lien filed against you, it’s considered in your payment history, which represents 35% of your score.

Similarly, while most utility companies don’t report payment history to credit bureaus, your account will likely be reported if it is seriously delinquent and referred to a collection agency.

Additional details on how to manage your FICO score are available on the FICO site.

Article From HouseLogic.com

By: Gwen Moran

***RATE ALERT!***RATE ALERT!***RATE ALERT!***

RATES ARE AT 60-YEAR LOWS!

Debt Ceiling Fears and Economy Fears create UNBELIEVABLE borrowing benefit.

Rates have plummeted to 1950′s levels

(Happy Days are here again?)

30 Year Fixed Rate: 4.375%, No Points, 4.43% APR

30 Year Jumbo Fixed: 4.375%, 1 point, 4.403% APR

I’m often asked: What makes rates go up or down?

Here’s a simplified answer: YOU and the economy.

Are you spending more or saving more? If you are spending more that means companies may do better; hence, rates will probably go up. If you save money, companies may show less profit, and this usually translates to lower rates.

The same is usually true with the state of the economy: When the economy does well, the rates typically go up. When the economy is not doing well the rates typically go down.

If you are looking for a home, there could be a silver lining in the state of the economy for you, and that silver lining is unbelievably low mortgage rates. So don’t wait…call me today to see what you qualify for!

Carey Lance Hollander

(914) 424-5962 Cell

NMLS # 94044

chollander@ghmc.com

Not available on all programs. Rates are for informational purposes only. Not all applicants will qualify. Certain restrictions apply.

HOW ARE WE DOING?

This is our 3rd year of providing you with real estate news and we want to thank you for reading and being such loyal supporters.

In our continuing effort towards excellence, we want to know what you, Reader, are looking for in real estate news. We would be pleased to hear suggestions about what topics are relevant to you today.

Better yet, if you have a specific question, feel free to email that question to us at info@century21.com and we can highlight that topic in next month’s newsletter.

If you enjoy reading this newsletter each month, please put yourself on our official mailing list by pressing the
Join Our Mailing List button below. Thank you!

Join Our List

Forward email

Century 21 V.J.F. Realty Inc. | 973 Route 22 | Brewster | NY | 10509

Keep Cool With Summer Home Energy Tips

dianasantos — Wed, 13 Jul 2011 15:39:10 +0000

Keep Cool With Summer Home Energy Tips from WholeLiving.com & MarthaStewart.com

~~~~~~~~~~~~~~~ CLICK Here to View ~~~~~~~~~~~~~~~

How to Pack Household Goods

dianasantos — Thu, 30 Jun 2011 00:51:12 +0000

How to Pack Household Goods from MarthaStewart.com

~~~~~~~~~~~ CLICK Here to View Check List ~~~~~~~~~~~~

bfhoyt – Flickr.com

Spring Breathes Life Into Prices

dianasantos — Thu, 09 Jun 2011 12:13:37 +0000

Spring Breathes Life Into Prices – a Video from RISMedia.com

~~~~~~~~~~~ CLICK Here to View VIDEO ~~~~~~~~~~~

Cake Boss Bakes for Century 21

dianasantos — Tue, 07 Jun 2011 15:09:31 +0000

Cake Boss Bakes for Century 21 in Vegas!

~~~~~~~~~~~~~~~~~ CLICK Here to View Video ~~~~~~~~~~~~~~~~

Ways to Make Your Home More Appealing

dianasantos — Fri, 27 May 2011 12:34:47 +0000

Ways to Make Your Home More Appealing from RIS Media Real Estate….

~~~~~~~~~~~ CLICK to View VIDEO ~~~~~~~~~~~

Our College Grad!

dianasantos — Sun, 22 May 2011 21:57:36 +0000

Our oldest ~ Melissa ~ Graduated today from Westconn!!! Wahooo!!

P5220423.JPG

These pictures were sent with Picasa, from Google.
Try it out here: http://picasa.google.com/

Our College Grad!

dianasantos — Sun, 22 May 2011 21:57:34 +0000

Our oldest ~ Melissa ~ Graduated today from Westconn!!! Wahooo!!

P5220423.JPG

These pictures were sent with Picasa, from Google.
Try it out here: http://picasa.google.com/

Dress Up Your Deck

dianasantos — Tue, 17 May 2011 23:51:47 +0000

Dress Up Your Deck ~ From HouseLogic.com

~~~~~~~~~~ CLICK Here to View ~~~~~~~~~~

gemteck1 ~ Flickr.com

Do’s & Don’ts During the Process of Your Home Loan

dianasantos — Sat, 07 May 2011 01:38:55 +0000

Here is an e-mail with information of Do’s and Don’ts During the Process of Your Home Loan

Dear Diana,

Do you want a hassle free loan process? Here’s some Do’s and Don’ts to share with your homebuyers.

During the process of your loan request, we encourage you to follow these suggestions until all loan proceeds have been disbursed by the Lender. The Loan is officially completed once all monies have been disbursed.

MAKE SURE YOU DO…

Keep paying your bills on time including any mortgage, car, credit

cards, etc.

Inform us in advance of any employment or income change.

Keep copies of all paychecks/stubs and bank statements you receive.

Call us anytime if you are unclear or have a question about your loan.

MAKE SURE YOU DON’T…

Change your employment status without notifying us first.

Apply for new credit or access credit lines

Start significant home improvements on your home (if refinancing)

Co-Sign any loans until finished with this transaction.

Make large purchases such as real estate, cars, or furniture

The above information is provided for informational purposes only. Nothing contained herein should be construed as legal advice. Should you have any questions regarding your legal obligations during the loan process, please consult legal counsel.

Carey Lance Hollander, NMLS #74044

108 Corporate Park Dr., Ste 301, White Plains, NY 10604

914-696-3400 Office, 914.424.5962 Cell

Equal Housing Lender/Licensed Mortgage Banker, NMLS# 1615/NYS Banking Dept.

Real Estate Forecast for 2011

dianasantos — Wed, 27 Apr 2011 13:27:26 +0000

Real Estate Forecast for 2011 from www.RealEstate.aol.com

“““““““ CLICK Here to View VIDEO “““““““`

Image from Google

Repair Hardwood Floors

dianasantos — Thu, 14 Apr 2011 21:05:21 +0000

Repair Wood Floors and Erase Ugly Scratches

Repair wood floors and scratches that make rooms look worn out. We’ll show you easy ways to put the luster back into your floors. Read

Visit houselogic.com for more articles like this.

Home Improvements on the Rise

dianasantos — Mon, 11 Apr 2011 13:50:01 +0000

http://bcove.me/bi6683jh

Tax Refunds in Your Home

dianasantos — Thu, 07 Apr 2011 12:41:44 +0000

(New!)

Invest a Tax Refund in Your Home: $3,000 Projects

Four great, summery ways to invest your $3,000 tax refund in your house. Read
Tips for Investing a Tax Refund in Your Home

HouseLogic talks to financial planner Alan D. Kahn, who offers tips for investing a tax refund in your home based on where you are in life—and with your house. Read
Invest a Tax Refund in Your Home: $2,500 Projects

If you want to invest a tax refund in your home this year, consider these five great projects that cost around $2,500. Read
Invest a Tax Refund in Your Home: $500 Projects

Here are five great ideas for investing a tax refund in your home if you receive $500 or less back from the IRS this year. Read
Invest a Tax Refund in Your Home: $1,000 Projects

Consider these five great projects that cost around $1,000 if you decide to invest a tax refund in your home this year. Read

Visit houselogic.com for more articles like this.

Home Selling on a Budget

dianasantos — Wed, 06 Apr 2011 12:01:44 +0000

Home Selling on a Budget from About.com

~~~~~~~~~~ CLICK Here to View ~~~~~~~~~~

Appraisal in Danbury today

dianasantos — Tue, 29 Mar 2011 16:44:53 +0000

Taken with picplz.

Showings in Greenwich yesterday

dianasantos — Tue, 29 Mar 2011 16:44:31 +0000

Diana's Neighborhood

Candlewood Lake

Happy St. Patrick’s Day!

Century 21 and The Super Bowl

Super Bowl XLVI is right around the corner, and so is the CENTURY 21® Super Bowl Commercial!

Rate Update…. Very Low!

Holiday Lights

LED Holiday Lights: 6 Need-to-Know Tips

Estimate Your Expenses Before Buying a Home

Personal Letter Lands a Home Sale

64 Cunningham Lane Pawling NY

Beautiful Colonial For Sale in Pawling NY

Buying a Short Sale

Details Home Staging

PMI Insurance is Tax Deductable

Century 21 VJF Realty October Newsletter

Delaying In Getting A Mortgage Could Cost You More

Century 21 VJF Realty Newsletter ~ August 2011

Keep Cool With Summer Home Energy Tips

How to Pack Household Goods

Spring Breathes Life Into Prices

Cake Boss Bakes for Century 21

Ways to Make Your Home More Appealing

Our College Grad!

Our College Grad!

Dress Up Your Deck

Do’s & Don’ts During the Process of Your Home Loan

Real Estate Forecast for 2011

Repair Hardwood Floors

Repair Wood Floors and Erase Ugly Scratches

Home Improvements on the Rise

Tax Refunds in Your Home

Invest a Tax Refund in Your Home: $3,000 Projects

Tips for Investing a Tax Refund in Your Home

Invest a Tax Refund in Your Home: $2,500 Projects

Invest a Tax Refund in Your Home: $500 Projects

Invest a Tax Refund in Your Home: $1,000 Projects

Home Selling on a Budget

Appraisal in Danbury today

Showings in Greenwich yesterday