Scarsdale, Hartsdale and Ardsley New York real estate listings, home buying, selling and relocation information

Scarsdale, Hartsdale and Ardsley real estate and homes for sale in New York - Miriam Bernstein, REALTOR®

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Miriam Bernstein, REALTORŽ, real estate agent and broker for Scarsdale, Hartsdale and Ardsley New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Have Questions? Call me at 877-881-0626 or locally at 914-907-1922, SKYPE me at Miriam642.

Buyers Want Your Home for as Little as Possible.
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Mortgage Prequalification: Scarsdale, Hartsdale and Ardsley New York home buying, real estate listings, and homes for sale in Westchester County, NY

Welcome > For Buyers > Mortgage Prequalification ...

Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!

You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. This also puts you into a better position when you find a property you want.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

-What the closing costs will be (can be 3-5% of the loan amount).

•	Wells Fargo is the largest supplier of home mortgages in the United States. Biagio is wonderful. Highly recommended. Wells Fargo Pre-Approval
•	Wonderful site with a load of information and click throughs. Fannie Mae for Home Buyers Section
•	You Do Have Rights- Don't be Intimidated Borrowers Bill of Rights
•	Is Home Ownership Right for You Freddie Mac Site
•	IRS Tax Information for First Time Homeowners

If you need further information about mortgages or would like to speak with me first please contact me by email below and I will answer your questions.

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First Time Buyers >Locate Your Lifestyle

If you are looking for a new home, it is important to communicate with your real estate agent about any special aspects of your lifestyle that will influence your choice. This information will help your agent to locate the perfect home for you and your family.

Are you a gourmet cook who loves giving lots of parties? Do you want space to accommodate hobbies such as painting, photography, or woodworking? Will your decision be influenced by the accessibility of a community gym, a golf course or tennis courts? Does your son need space to rehearse with his rock band? Do you need a home office? Are you planning to enlarge your family? Is there someone in your household who cannot climb stairs?

Knowing the significant factors that will influence your housing decision helps the agent to narrow the selection of homes on the market.

	See All Tips In The "First Time Buyers" Category >
	See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q	Where in the United States will you find the largest concentration of million-dollar homes?
A	There are almost 314,000 million-dollar homes in the United States, and 41% of these are located in California.
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Miriam Bernstein, ABR, CRS, GRI, ePro
RE/MAX Prime Properties
696 White Plains Road
Scarsdale, New York 10583
Direct: 877-881-0626
Cell: 914-907-1922
Fax: 914-290-4647
SKYPE: Miriam642
Email: miriam@miriambernstein.com
I have been a full time REALTOR for the past 14 years. I have continued my education and have earned the Certified Residential Specialist, Accredited Buyer's Representative, Senior Real Estate Specialist, New Home Specialist, e-Pro Internet Specialist and the Graduate, Realtor Institute designations. Please check out my site, my credentials on line and call, no obligation, no pressure, I promise.

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NUMBER1EXPERT™ in real estate for Scarsdale, Hartsdale and Ardsley, New York

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