28-01 Union St Unit #3G, Flushing, New York – Just Listed

28-01 Union St Unit #3G, Flushing, New York

Just Listed

$ Click for current price
1 BEDROOMS | 1 (1 full ) BATHROOMS |

Corner Large 1 Bedroom Co-op. Facing South. Unit Features Spacious Living Room, Dining Room, Kitchen With Lots Of Cabinets, Bath. Plenty Of Closets And Windows. Hardwood Floor Through Out. Parking, Fitness, Laundry, Storage Room, Recreation Room In Available. Maintenance Fee Includes All Utilities. Great Location, Close To All. Supermarket, Shopping, Post Office. Schools… Local Buses And Express To Manhattan…

 

17020 Crocheron Ave Condominium, Flushing for Sale, NY

17020 Crocheron Ave Condominium, Flushing for Sale, NY

$ Click for current price
1 BEDROOMS |

Mint Condition. Spacious 1 Bedroom Condo for Sale in Flushing, Living/Dining Room, Eik Kitchen, Full Bath, Plenty Closets, Hardwood Floors. Low Common Charges Included Hot Water, Heat, Cooking Gas. Cross street Bus Q28 to Main Street To Subway #7. Close to Shopping Area, Supermarket, Restaurants and much more!!!

149-29 84th St, Howard Beach, New York – Make an Offer

149-29 84th St, Howard Beach, New York

Make an Offer

$ Click for current price
7 BEDROOMS | 6 (4 full, 2 half ) BATHROOMS |

Large 2 family Home semi-detached 100% Brick Mint Condition. Private Parking Space for more than 5 cars. This Amazing property delivers:

3 Fl: Master Bedr with a half bath, Bedr, Bedr, Full bath, kitchen, Dining room, living room and Large balcony

2 Fl: Master Bedr with a half bath, Bedr, Bedr, full bath, dining room, kitchen, living room, Large balcony and access to the backyard.

1 Fl: 1 Bedroom, 1 bathroom, living room, eating kitchen and access to the backyard

Basement fully finished Separate Entrance & Access to the backyard. Laundry Room 








 

Sell my Home in Brooklyn NY | What Is Private Mortgage Insurance

Sell my Home in Brooklyn NY |

What Is Private Mortgage Insurance (PMI)?

First Time Home BuyersFor BuyersFor SellersInterest RatesMove-Up Buyers

New York City Real Estate Team helps you find the newest Queens real estate listings. By analyzing information on thousands of homes for sale in Queens, New York.

If you are selling a home in Queens or Brooklyn, selling a NY Condo or Coop or Selling a  NY  Property be sure to call Team Realty Real Estate for a Complimentary Queens or Brooklyn Home Valuation. If you are in the market to rent, we feature an extensive inventory of QUEENS HOUSES FOR RENT…

Our topic today What Is Private Mortgage Insurance (PMI)?

 it comes to buying a home, whether it is your first time or your fifth, it is always important to know all the facts. With the large number of mortgage programs available that allow buyers to purchase homes with down payments below 20%, you can never have too much information about Private Mortgage Insurance (PMI).

What is PMI?

Freddie Mac defines PMI as:

“An insurance policy that protects the lender if you are unable to pay your mortgage. It’s a monthly fee, rolled into your mortgage payment, that is required for all conforming, conventional loans that have down payments less than 20%.

Once you’ve built equity of 20% in your home, you can cancel your PMI and remove that expense from your mortgage payment.”

 As the borrower, you pay the monthly premiums for the insurance policy, and the lender is the beneficiary. Freddie Mac goes on to explain that:

“The cost of PMI varies based on your loan-to-value ratio – the amount you owe on your mortgage compared to its value – and credit score, but you can expect to pay between $30 and $70 per month for every $100,000 borrowed.” 

According to the National Association of Realtors, the average down payment for all buyers last year was 10%. For first-time buyers, that number dropped to 5%, while repeat buyers put down 14% (no doubt aided by the sale of their homes). This just goes to show that for a large number of buyers last year, PMI did not stop them from buying their dream homes.

Here’s an example of the cost of a mortgage on a $200,000 home with a 5% down payment & PMI, compared to a 20% down payment without PMI:

The larger the down payment you can make, the lower your monthly housing cost will be, but Freddie Mac urges you to remember:

“It’s no doubt an added cost, but it’s enabling you to buy now and begin building equity versus waiting 5 to 10 years to build enough savings for a 20% down payment.”

Bottom Line

If you have questions about whether you should buy now or wait until you’ve saved a larger down payment, let’s get together to discuss our market’s conditions and help you make the best decision for you and your family.

You might also enjoy reading…

Source… KCM RossMery Blog http://nyhomesforsale.blog/

Click here to check Our Blog en Español

To protect your interest, it is necessary that you have a knowledgeable agent working for you. Who is an expert in the local market and ensure that you make the best possible decisions?

We all are dedicated to keeping you on top of our local market.

To reach us, please call/ text 917-515-9783

Or email us nyhomeseller@gmail.com

Search for the newest listings in Queens NY by map (click picture below)

Thinking of selling your home?
Or call/Text 917-515-9783 For More Information.

Sell my Home In Queens NY | Mortgage Interest Rates Have Begun to Level Off

Sell my Home In Queens NY | Mortgage Interest Rates Have Begun to Level Off

First Time Home BuyersFor BuyersFor SellersInterest RatesMove-Up Buyers

New York City Real Estate Team helps you find the newest Queens real estate listings. By analyzing information on thousands of homes for sale in Queens, New York.

If you are selling a home in Queens or Brooklyn, selling a NY Condo or Coop or Selling a  NY  Property be sure to call Team Realty Real Estate for a Complimentary Queens or Brooklyn Home Valuation. If you are in the market to rent, we feature an extensive inventory of QUEENS HOUSES FOR RENT…

 

Our topic today Mortgage Interest Rates Have Begun to Level Off

Whether you are a buyer searching for your first home, or a homeowner looking to move up to your next home, you should pay attention to where mortgage interest rates are heading.
Over the course of 2018, according to Freddie Mac’s Primary Mortgage Market Survey, rates have increased from 3.95% in the first week of January to 4.40% in the first week of April.
At first glance, the difference between these numbers in such a short amount of time could be concerning, but if we look at the graph below, we’ll see that rates have already started to level off and return to the mark set in February.

This is great news for anyone looking to buy a home this spring! The spring is always one of the busiest seasons for home buying, and with rates increasing even more, buyers have come off the fence to lock in great rates! This is still great advice as the experts believe that rates will continue to rise throughout the year.
Every month, Freddie Mac, Fannie Mae, the Mortgage Bankers Association and the National Association of Realtors release their projections for where they believe mortgage rates will be in the coming months. If we take the average of what each of the four organizations is predicting for the second quarter, rates are expected to rise to about 4.48% by June.

That average climbs to 4.73% by the end of this year.

So, what does this mean?

Waiting until the end of the year to buy, with rates still projected to increase, will end up costing you more money on your monthly mortgage payment. For every $250,000 you need to borrow to purchase your dream home, you will spend $49.21 more per month, $590.52 per year, and over $17,700 by the end of your 30-year mortgage.
And that’s just the impact of your interest rate going up!

Bottom Line

If you are ready and willing to purchase a home, find out if you’re able to. Let’s get together to evaluate your needs and help you with next steps!

You might also enjoy reading…

Source… KCM RossMery Blog http://nyhomesforsale.blog/

Click here to check Our Blog en Español

To protect your interest, it is necessary that you have a knowledgeable agent working for you. Who is an expert in the local market and ensure that you make the best possible decisions?

We all are dedicated to keeping you on top of our local market.

To reach us, please call/ text 917-515-9783

Or email us nyhomeseller@gmail.com

Search for the newest listings in Queens NY by map (click picture below)

Thinking of selling your home?
Or call/Text 917-515-9783 For More Information.

Homes Values Are Up! Get Your Home Value Now!

 

Search All Homes For Sale
Home Valuation
Get an Offer in 24 Hours
Market Report
Seller Eguide

 

RossMery Mosquera
Winzone Realty
917-515-9783
Contact Me

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Brooklyn, NY Real Estate | US Housing Market Still In ‘Buy Territory’!

Brooklyn, NY Real Estate |  US Housing Market Still In ‘Buy Territory’!

FeaturedFirst Time Home BuyersFor Buyers, Move-Up BuyersRent vs. Buy

 

Brooklyn, NY Housing Market. As a full-time real estate professional in Queens, Brooklyn and Long Island communities.  I will help you achieve the results you desire.

According to the Beracha, Hardin & Johnson Buy vs. Rent (BH&J) Index, the U.S. housing market has continued to move deeper into buy territory, supporting the belief that housing markets across the country remain a sound investment.

The BH&J Index is a quarterly report that attempts to answer the question:

In today’s housing market, is it better to rent or buy a home?

The index examines the entire US housing market and then isolates 23 major cities for comparison. The researchers “measure the relationship between purchasing property and building wealth through a buildup in equity versus renting a comparable property and investing in a portfolio of stocks and bonds.” 

While 13 of the 23 metropolitan markets examined moved further into buy territory, markets like Dallas, Denver, and Houston are currently deep into rent territory. Due to a lack of inventory, the home prices in these areas have increased by 6.7%6.3%, and 5.3%  respectively from a year ago.

According to Eli Beracha, Ph.D., Co-Creator of the index, home prices will begin to return to more normal levels.

Our data indicates that prices are above their 40-year trend but not significantly so as they were in 2007. Rather than a crash, I anticipate slower growth in prices accompanied by longer marketing times for sellers and increasing inventories, which should bring prices back in conjunction with their 40-year trend.”

Bottom Line

The majority of the country is strongly in buy territory. Buying a home makes sense socially and financially, as rents are predicted to increase substantially in the next year. Protect yourself from rising rents by locking in your housing cost with a mortgage payment now. 

To Find Out More About the Study: The BH&J Index and other FAU real estate activities are sponsored by Investments Limited of Boca Raton. The BH&J Index is published quarterly and is available online at http://business.fau.edu/buyvsrent.

You might also enjoy reading…

Source… KCM RossMery Blog   http://nyhomesforsale.blog/
To protect your interest, it is necessary that you have a knowledgeable agent working for you. Who is an expert in the local market and ensure that you make the best possible decisions?
We all are dedicated to keeping you on top of our local market. 
To reach us, please call/ text 917-515-9783
Search for the newest listings in Queens NY by map (click picture below)
Thinking of selling your home? 
Or call/Text 917-515-9783 For More Information.

Homes Values Are Up! Get Your Home Value Now!

 

Search All Homes For Sale
Home Valuation
Get an Offer in 24 Hours
Market Report
Seller Eguide

149-29 84th St, Howard Beach, New York

149-29 84th St, Howard Beach, New York

For Sale

$ Click for current price
7 BEDROOMS | 6 (4 full, 2 half ) BATHROOMS |

Large 2 family Home semi-detached 100% Brick Mint Condition. Private Parking Space for more than 5 cars. This Amazing property delivers:

3 Fl: Master Bedr with a half bath, Bedr, Bedr, Full bath, kitchen, Dining room, living room and Large balcony

2 Fl: Master Bedr with a half bath, Bedr, Bedr, full bath, dining room, kitchen, living room, Large balcony and access to the backyard.

1 Fl: 1 Bedroom, 1 bathroom, living room, eating kitchen and access to the backyard

Basement fully finished Separate Entrance & Access to the backyard. Laundry Room 








 

149-29 84th St, Howard Beach, New York – Just Listed

149-29 84th St, Howard Beach, New York

Just Listed

$ Click for current price
7 BEDROOMS | 6 (4 full, 2 half ) BATHROOMS |

Large 3 family Home semi detached 100% Brick Mint Condition. Private Parking Space. This Amaizing property delivers:

3 Fl: Master Bedr with a half bath, Bedr, Bedr, Full bath, kitchen, Dining room, living room and Large balcony

2 Fl: Master Bedr with a half bath,Bedr, Bedr, full bath,dining room, kitchen,living room, Large balcony and access to backyard.

1 Fl: 1 Bedroom, 1 bathroom, living room,eating kitchen and access to backyard

Basement fully finished Separate Entrance & Access to the backyard. Laundry Room 

Parking for 1 Car plus Private driveway for 2 cars. One block from banks, supermarkets and much more! Great Investment Opportunity Income producer. For more information and private preview Call now Fl: Master Bedroom with a half bathroom,Bedroom, full bath,dining room, kitchen,living room, balcony and access to backyard.


1 Fl: 1 Bedroom, 1 bathroom, living room,eating kitchen and access to backyard

Basement fully finished Separate Entrance & Access to the backyard. Laundry Room and meters room Separate

Parking for 1 Car plus Private driveway for 2 cars. One block from banks, supermarkets and much more! Great Investment Opportunity Income producer. For more information and private preview Call nowFl: Master Bedroom with a half bathroom,Bedroom, full bath,dining room, kitchen,living room, balcony and access to backyard.


1 Fl: 1 Bedroom, 1 bathroom, living room,eating kitchen and access to backyard

Basement fully finished Separate Entrance & Access to the backyard. Laundry Room and meters room Separate

Parking for 1 Car plus Private driveway for 2 cars. One block from banks, supermarkets and much more! Great Investment Opportunity Income producer. For more information and private preview Call now

 

276 Nichols Ave, Cypress Hills, New York

276 Nichols Ave, Cypress Hills, New York

For Sale

$ Click for current price
5 BEDROOMS | 3 (2 full, 1 half ) BATHROOMS |

Mint And 100% Brick 2 Family Home. Fully Renovated 7 Years Ago. Roof Is 1 Yr New!! Nice Hardwood Floors Through Out The Home. High Celings. Basement With Seperate Entrance. Must See!!

 

276 Nichols Ave, Cypress Hills, New York – Just Listed

276 Nichols Ave, Cypress Hills, New York

Just Listed

$ Click for current price
5 BEDROOMS | 3 (2 full, 1 half ) BATHROOMS |

Mint And 100% Brick 2 Family Home. Fully Renovated 7 Years Ago. Roof Is 1 Yr New!! Nice Hardwood Floors Through Out The Home. High Celings. Basement With Seperate Entrance. Must See!!