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The data relating to real estate for sale on this web site comes in part from the REDX™ Program of the Greater Hudson Valley Multiple Listing Service. Real estate listings held by brokerage firms other than Keller Williams Realty are marked with the REDX™ logo. The broker providing these data believes them to be correct, but advises interested parties to confirm them before relying on them in a purchase decision. Information Believed Accurate But Not Warranted. Copyright 2009 Greater Hudson Valley Multiple Listing Service. All Rights Reserved

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Welcome to The Giff GroupMonroe, Middletown and Woodbury Real Estate Website
Best Buys Of The Week Can I Afford To Buy? Buying Foreclosures Homes FREE In-Home Presentation What's Your Home Worth? Short Sale Experts


Welcome to The Giff Group!

What Not to do After being Approved for a Mortgage.
When you have received your commitment letter, DON'T...

DON’T change jobs or quit your job. If you change your job in the middle of the process, this could delay your closing.
DON’T keep shopping for a new mortgage. This could effect your credit scores and either cost you more money or deny you for a loan.
DON’T apply for new credit after you have applied for a mortgage. Wait until after you have moved in.
DON’T pay off any collection accounts and or judgments unless told so by the lender. You need to be careful of such advice once in processing, because it could change your credit score for the worse.Understand your credit and what should be done.
DON’T co-sign on any loan for anyone until you have closed on your loan.
DON’T start with a credit counseling agency when starting the mortgage process. If your credit has to be pulled again and this is found out, some mortgage programs don’t allow it in a certain time period.
DON’T spend your money or make any changes from your savings/checking accounts or 401-k plans.  No large deposits or they will have to be explained. If taking money from your 401-k plan for the purchase of your house and depositing it into your checking account, make sure you save the paper trail for the lender, showing what you did.
DON’T disconnect or change your home or cell phone number until you have closed on your loan. Lenders need to verify your home number, even if you use your cell number instead.
 
Summary : Some of the things mentioned above should not be done when even shopping for a mortgage or while even in the mortgage process. Most of all, none of the things mentioned above should be done once you have been officially approved for a mortgage with a commitment letter.

Available Grants and Funds to First Time Home Buyers

There are federal funds and grants available to first time home buyers through the Homes and Community programs through the United States Department of Housing and Urban Development.  On their website you will find complete grant information, application forms, description of available funds, as well as many other helpful tools.   Every potential first time home buyer should investigate what they have to offer.  You can also visit their website.  The website will give you complete information on all grant programs.  First time home buyers should plan to spend the required time necessary to investigate these programs available to them.    You can visit grants.gov for a list of available grant programs.   Also visit www.GovernmentFederalGrants.com  for additional funds.

Now is a great time to purchase a home. Prices and interest rates are low and there are more choices than before.  Interesting in REOs, foreclosures, short sales or extremely motivated sellers?  We have a full inventory of these homes that is updated daily. Call for details or sign up to receive latest listings on this site.  Full list of Fannie Mae foreclosures also available.  Covering Orange, Rockland, Westchester, Putnam, Sullivan Counties and also the Bronx.

Real Estate Resource Center

Buyers - Take a look at our hot properties.  Sign-up to receive our latest listings so that you will be the first to learn about our most recent properties!  Here you can also search the MLS.  In our buyers section you will find useful information whether you are a first time buyer or need to pre-qualify for a mortgage.  Also, stay on top of the real estate market by reading our daily real estate news.

Sellers - We will get your home SOLD!  Explore our sellers section, you will find a wealth of FREE information.  At no cost or obligation we will provide you with an in-home presentation, a comparative market analysis and much much more!  To SELL your home, we make the most of the internet.  Click here to learn how.   Also, to learn more be sure to take a look at all the different FREE Reports we offer you.

The Giff Group

The Giff Group specializes in New York Orange County, Rockland County and the surrounding areas. 

On this site you can find information the following towns within Orange County: Monroe, Town of Woodbury, Highland Mills, Central Valley, Harriman, Chester, Goshen, Middletown, Newburgh, Warwick, Washingtonville, New Windsor, Cornwall and all of Orange County.

In Rockland County you will find information on the following towns: New City, Suffern, Nanuet, Pearl River, Clarkstown, Nyack, Orangeburg, Blauvet and all of Rockland County. 

In Westchester, Putnam and Dutchies Counties along with the Bronx and surrounding areas you will find information on bank owned and foreclosures properties along with information and regarding purchasing these properties. Also learn about the lifestyles in these areas and what are the current prices of homes and the ratings of these school districts

Don't find what you need? Give me a call at 845-401-4345 or email me at sandygiff@NUMBER1EXPERT.com with any questions.





Real Estate Tips
First Time Buyers >The Perfect Home

When we help prospective buyers locate a new home we listen carefully to their goals. What are their criteria for selecting a neighborhood, what style of house do they prefer, what price range and floor plan meet their needs? Will any special considerations go into making the homebuying decision? When we have a good picture of what the buyer wants, we will go to work to find the best property on the market that will accommodate those needs.

Our real estate agents succeed when they can make the buyers' goals their goals. Finding the perfect home is a collaborative effort. The buyers communicate what they want, why they want it, and where compromise might be possible, and the agent listens carefully and selects the homes that come as close as possible to meeting the needs expressed. When there is trust and communication between the buyers and the real estate agent, miracles can happen! Creating these miracles for buyers and sellers is "Job #1" for us.

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

Real Estate Trivia
Q 
Lenders in 14 states--California, New York, Oregon, Utah, Vermont and Wisconsin and 9 others--have what in common?

A 
Lender in these states must pay interest on funds held in escrow accounts.
See More Real Estate Trivia >


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The Giff Group, REALTOR®, real estate agent and broker for Monroe, Middletown and Woodbury, New York home listings, property and land for sale - NUMBER1EXPERT(tm)

The Giff Group
Keller Williams

229 Route 32
Central Valley, NY 10917
845-401-4345
Fax: 845-928-9774
sandygiff@NUMBER1EXPERT.com

Sandy Giff is the founder and leader of The Giff Group - Giving you the "Giff" of the American Dream! Sandy is an Associate Broker with Keller Williams Realty. Before Sandy officially entered the real estate profession in 2000, she was successfully buying and selling real estate investment properties of her own. Sandy has a bachaelor degree in business management and holds numerous certificates in advanced real estate studies. Sandy has put her education and personal savvy to good use! She is the proud owner of several rental properties in New York and Florida and owns various businesses including a thriving hair salon. Sandy enjoys putting her wealth of real estate knowledge to use in helping others achieve their real estate dreams! Contact Sandy and The Giff Group today at 845-401-4345. You will be glad you did!

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