Mortgage Consultant Referrals – A list of mortgage consultant professionals with contact information for those who do not already have a mortgage consultant selected or want a second opinion before making a final mortgage selection. These professionals are devoted full-time to help local buyers, have exemplary customer service skills and have proven themselves on a day-to-day basis and I have personally worked with them.
Home Search Worksheet – A worksheet that will aid buyers in identifying their priorities in finding a home and clarify which home best suits their stated priorities
Moving & Relocation Checklist – A comprehensive list of utility and home service providers common to most CNY homeowners with contact information
STAR Tax Credit Application Instructions – This credit is available to most New York State residents, but only if applied for. This instruction sheet identifies the necessary information needed to apply as well as how to make the application.
IDX Home Search – IDX stands for Internet Data Exchange. This is a simple, but powerful home search app that can be accessed from my Facebook business page or directly from the internet (see the instructional video references to get instructions for access). This app is directly connected to our local MLS, so you can have confidence that the information presented is as accurate and up-to-date as the MLS, itself!
Real Estate & Home Owner News & Information
Facebook Business Page – My Facebook business page is a great way to stay connected to current real estate topics with useful information for sellers, buyers and home owners. Don’t forget to like my page and stay connected with me, too!
Fixed Rate Mortgage Calculator – This is an off-site, external link to an active calculator/estimator. There are plans for a custom calculator at a yet to be determined future date.
USDA Eligibility Areas – Enter a specific address to determine if that property is located in a USDA eligible area (USDA loans can allow no down payment).
Property Condition Disclosure Statement – This six (6) page document is what sellers prepare when selling their homes to disclose the condition of the home to their best knowledge. There are some exceptions, but in most cases this form is required by New York State and failure to provide this form prior to a buyer submitting an offer entitles the buyer to a $500 credit at closing. The most important use of this document is for buyers to understand what to look for in the seller’s disclosure in order to gain insight into the home’s condition and history.
Property Information Sheet – This is another seller disclosure type document the buyers can use to gain insight into the home’s condition, history and maintenance during the seller’s ownership.
Purchase & Sale Contract – A blank copy of the purchase offer/contract to purchase used in the CNY region. When it comes time to draft an offer, you should know what options need to be specified and have some idea of what each option is.
Loan Estimate – This is a sample of the form used to disclosure the mortgage loan that went into effect in October 2015. It was developed by the Consumer Financial Protection Bureau (CFPB) of the federal government under the Truth In Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA). This form is required and is intended to provide consumers with a simplified and standard presentation in order to easily compare different loans side-by-side.
Closing Disclosure – As with the Loan Estimate, the Closing Disclosure was required and put into effect as a result of TILA/RESPA and is intended to simplify and provide a standard presentation for documenting the financial aspects of real estate transactions. This link is to a sample of the closing disclosure, which replaces the previously used HUD-1 form.
Signing Documents Electronically– Overview of the electronic document signing procedures for Authentisign; the application used by the Greater Syracuse Association of REALTORS® (GSAR)
Matrix Client Portal Overview– For my clients actively searching for homes, automated search results are delivered to a personal portal directly from the local MLS and notification of new or updated listings are made by email
Home Warranty Service Agreement – Pamphlet and service agreement application from HSA Home Warranty. Buyers may opt to purchase a home warranty to be paid for at closing. This pamphlet explains the program and its options.