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Mortgage Prequalification: Bronxville, Yonkers and Eastchester 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.

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.

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Bronxville, Yonkers and Eastchester REALTORŽ to offer services such as these.

Once you fill out the form, I will quickly process your information and get right back to you!

I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation...

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First Time Buyers >The Seller May Pay

The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.

One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.

Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.

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Q	Where was the first hotel built in the US?
A	The Union Hotel (1802) Saratoga Springs, NY, is the first hotel emphasizing lodging and services, in addition to food and drink.
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Priscilla Toomey, REALTORŽ, real estate agent and broker for Bronxville, Yonkers and Eastchester New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Priscilla Toomey
Bronxville-Ley Real Estate
17 1/2 Park Place
Bronxville, NY, 10708
Cell:: 914-559-8084
Office:: 914-337-1234 ext. 568
Fax: 914-337-0304
ptoomey@NUMBER1EXPERT.com
Priscilla Toomey brings to Bronxville-Ley an extensive background in several areas of real estate. For 11 years, she served as General Counsel of one of Americas leading relocation firms, where she advised in excess of 20,000 home sales and purchases yearly.

With over 400 corporate clients Priscilla was responsible for changes to the tax law which preserved favorable income tax treatment for employees nationwide. She has written 2 books and many articles regarding getting the highest price for your home and making your home sale transition as easy as possible.

Priscilla has been President of Burlington Realty Asset Management since 1997, investing in and managing multiple family homes. She is a graduate of Hunter College of the City University of New York, Phi Beta Kappa, and of the University of Virginia Law School. She holds Brokers Licenses in Connecticut as well as New York and has been designated a Senior Certified Relocation Professional since 1990.

Priscilla has served her community in various capacities, from the Board of Directors of the YWCA to President of her street association to Co-Chair of Friends of the Performing Arts at her daughters school. Priscilla has also lived in Canada for extended periods and traveled to Russia with the Experiment in International Living. She was a Gold Award winner for 2005 (top 20% company-wide)and a Platinum Award winner for 2006 and 2007(top 10% company-wide) at her former company.

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