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Get Free Presentation On Our Home Marketing.
Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.
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Welcome to The Giff Group!  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.
2009 Tax Credit gives $8000 back to first time homebuyers if you purchase a home in 2009. In addition interest rates are still at a all time low. NOW is the best time to invest in a home…..Call for details. Real Estate Resource Center
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.
Financing Your Home >When Interest Rates Rise
Many people fall out of the home buying market when interest rates start to go up. This is often a mistake. Many of the best mortgages deals become available when lenders are competing for new business and sellers are competing within a smaller buyer pool. You just have to know how to keep the costs down in order to counter the higher interest rates.
One of the best tricks is the buy-down. In a buy-down, a fee is paid at the closing to get a lower interest rate. In a soft market, an anxious seller may be lured into to paying all or part of the buy-down. Another approach is to get the seller to pay some of closing costs, thus lowering the amount of cash a buyer needs to close. Frequently the seller's costs can be used as a write-off by the buyer. Always consult with your tax advisor if you are considering such an arrangement.
If the market is softening due to rising or higher rates, the price itself becomes an area where a buyer may be able to save a lot of money on a house through skillful negotiating. Lower prices mean lower loan amounts, so don't be discouraged by higher rates--use them to your advantage.
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| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
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There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
 See More Real Estate Trivia > |
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