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S&D Residential and Commercial Real Estate Blog

What to Ask a Mortgage Broker before Buying a New Home

Posted by Collin McGorty on Aug 16, 2017 10:00:00 AM

Whether or not a buyer receives a mortgage is ultimately what can make or break the purchase of a new home. Without one, an individual may not be able to afford loan payments, taxes and insurance. To receive a loan in the first place, one must meet with a mortgage broker to find the right plan for them. There are also a few important questions to ask to help ensure the home buyer’s financial well-being.

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Topics: Buying, residential real estate, Mortgage, mortgage points, interest rate

Why Homeowner’s Insurance is Essential for Property Owners

Posted by Collin McGorty on Aug 2, 2017 10:00:00 AM

There are many incredibly important steps that a prospective buyer must take on their way to purchasing a new home. Some are familiar, others aren’t. Nevertheless, they must all be undertaken with the utmost attention and deliberation when considering the consequences. Just think about what can go wrong if you don’t have a homeowner’s insurance policy to fall back on!

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Topics: Finance, property insurance, Mortgage, insurance, homeowner’s insurance

How Does an Escrow Account Actually Work?

Posted by Tom Hallissey on Feb 3, 2017 10:00:00 AM

If you are a home buyer, you are likely to have an escrow account, either by choice or as a home loan requirement. However, it is just as likely that you do not know what an escrow is or how it actually works. If you are shopping for a home, you will want to know everything there is to know about these helpful accounts.

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Topics: Mortgage, buying a house

A Review of Mortgage Points and their Savings

Posted by Collin McGorty on Jan 26, 2017 10:00:00 AM

When purchasing a new home, there is a seemingly endless number of factors that go into deciding how much you will pay. There’s your mortgage, taxes, insurance, closing fees and that’s only the tip of the iceberg. However, there are also ways that you can save yourself some money down the line. One way is by purchasing mortgage points.

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Topics: Buying, residential real estate, Mortgage, mortgage points

How to Begin a Property Search for the First Time

Posted by Collin McGorty on Jan 12, 2017 10:00:00 AM

With all that goes into buying a home, it can be difficult to figure out exactly where to start. A home purchase could be the most you’ll ever spend in your life, so you shouldn’t take it lightly. If you’re trying to determine where to start your first property search, use these tips.

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Topics: Buying, buying your first home, Mortgage, property search, buying a house

How to Navigate Real Estate Closings like a Professional

Posted by Collin McGorty on Nov 18, 2016 9:30:00 AM

So you’ve found your dream home, negotiated a deal and obtained a mortgage, what’s next? Last but not least, you will need to meet with all parties involved in the sale for a final settlement, or closing. Here are some tips for getting through real estate closings with ease.

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Topics: Buying, residential real estate, Mortgage, real estate closings

Easy Ways to Cut Expenses when Owning Rental Property

Posted by Collin McGorty on Jul 15, 2016 10:00:00 AM

Owning rental property is usually a sound financial investment. Besides all the money you’ll save by becoming your own landlord, there are still costs and expenses that people never even think of when they take on this responsibility. But if you have the right knowledge to make informed financial decisions, it won’t be difficult to yield a lucrative return on interest. When it comes to owning rental property, just follow these tips and you’ll be saving money in no time.

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Topics: Renting, Finance, Mortgage, investment property, Summer, rental property

How to get a Mortgage in 7 Simple Steps

Posted by Tom Hallissey on Mar 2, 2016 10:00:00 AM

After deciding to buy a home, the next step is figuring out a way to pay for it. If you are unfamiliar with how to get a mortgage, our seven simple steps will put you on the path to homeownership in no time.

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Topics: residential real estate, Tips, Mortgage

Make the Most of your Mortgage Tax Deduction

Posted by Nick Gaffney on Feb 19, 2016 7:30:00 AM

If you are borrowing money to pay for a house, filing your tax return can be quite a struggle. With tons of different forms, guidelines and exceptions, the language of tax laws may seem absolutely foreign. In this blog, we will translate into plain English the rather complex guidelines of the mortgage tax deduction. Prospective homebuyers and longtime homeowners alike can benefit from understanding the tax incentives of homeownership.

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Topics: Mortgage

Smith & DeGroat Real Estate

Find helpful blogs of both residential and commercial real estate on Long Island. For more questions, feel free to contact us at info@sdnyrealty.com

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