Why Home Buyers in Monroe, Middletown and Woodbury, New York Choose The Giff Group, NUMBER1EXPERT(s)™ Top Selling Real Estate Agent(s)

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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 > For Buyers > Can You Afford To Buy? ...

Today, more than ever before, there are a number of programs out there to help you purchase a home! Here we highlight a few of these programs. For example, there are grants for down payments, help with home repairs, assistance for union workers, low credit score mortgages, rent to purchase options, and more! Often these special programs require a lot of paper work and sometimes will not be presented to you as a solution by your mortgage specialist. Call us today at 845-401-4345 to explore these possible solutions. We will do everything we can to give you the “giff” of the American dream.

Need help coming up with a down payment? State of New York Mortgage Agency (Sonyma) now offers a $10,000 grant (FREE MONEY) for your down payment. Additionally, Sonyma will help you finance your closing costs. If that is not enough, after living in your home for a qualifying number of years your mortgage will be FORGIVEN!

Have a low credit score? Recently, the Federal Housing Administration (FHA) revised their lending guidelines. Now you can qualify for a FHA mortgage with a FICA (credit score) of 580!

Need to do home repairs? The Federal Housing Administration (FHA) has a program to help you complete needed repairs on your home.

Are you a union worker? There is a program that will help in many ways. For example, this program will help you with closing costs. Additionally, if you can’t pay your mortgage due to a family emergency? This program will cover your monthly mortgage payments for up to six months.

Renting, but want to buy? Rent with the option to purchase is becoming more and more popular. In this case, part of your monthly rent goes towards the home purchase. In some cases, only one or two years of renting will lead to you owning the home!

Do you not qualify for any of these programs? It is a buyers market and today many sellers are offering incentives. You may be able to negotiate for help with closing costs, home repairs, property tax payments or home owners association fees.

Let us help you explore the best option for you! Contact us today at 845-401-4345 to learn more! The “giff” of the American dream can be yours!

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Titles >Holding Title to A Condo

With condominiums becoming increasingly popular among today's homebuyers, it is a good time to clarify the terms of ownership that seem to confuse many people. Condo-type residences most commonly fall into two categories - condominiums and townhouses.

A condominium is usually a multi-story structure. Each owner-resident has a deed of ownership for his own unit and owns the space within the unit, but not the land under the structure. Therefore, condo units can be stacked vertically. Condo owners share title to the common areas of the development, including land, exterior of buildings, hallways, roofs and swimming pools -- all areas used by all occupants. Each owner pays property taxes on their unit. Also, a monthly fee is paid to the homeowners' association that is used for managing and maintaining all common areas.

A townhouse, or town home community is usually a series of single- or two-story housing units, each linked to each other horizontally by common walls. Each owner hold title to their unit and the land beneath it, thus these units cannot be stacked vertically. Typically, a townhouse unit will be a two-story residence, with the living area downstairs and bedrooms upstairs. Common areas belonging to the townhouse development are owned jointly. Each townhouse owner pays property taxes and association fees.

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Q	What is an encumbrance against a property, which may be voluntary or involuntary?
A	There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien.
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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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