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Real Estate Resources:

• eNewsletter - The Giff GroupMonroe, Middletown and Woodbury newsletter email will send you the latest real estate information.

• Today's Real Estate News - Daily real estate news for this neighborhood, New York, and United States.

• Market Conditions Report - Market conditions report for this area, New York, and United States.

• Free Book - Click here to receive our FREE real estate book.

• In Home Presentation - Free in-home listings presentation on marketing your Monroe, Middletown and Woodbury, in Orange County New York property.

• Comparative Market Analysis - Comparative market analysis for your home in the Monroe, Middletown and Woodbury, in Orange County New York area.

• Schools Reports - Reports for Monroe, Middletown and Woodbury schools kindergarten, elementary, and high schools.

• Relocation Package - Free real estate information & relocation package if you're relocating to Monroe, Middletown and Woodbury, in Orange County NY.

• Save Your Home

• Special Offers - Special offers for Monroe, Middletown and Woodbury homeowners from The Giff Group.

• Attention Landlords

• Preferred Providers - The Giff Group real estate web site preferred providers.

• Monthly Payments & Schedule - Monthly loan payments java mortgage calculator.

• How Much Can You Afford? - Calculate how much home you can afford with this financial calculator.

• Determine Tax Savings - Calculate how much your monthly Monroe, Middletown and Woodbury, New York mortgage payments save you on your taxes because of loan interest.

• Should You Rent or Buy? - Is it better to rent a home in New York or buy your own Monroe, Middletown and Woodbury house, ranch, luxury property, condominium, acreage, or other real estate?

• Adjustable Rate Mortgages - Adjustable rate Monroe, Middletown and Woodbury mortgages information and interest rate java calculator.

• What Is Your APR? - Determine the Annual Percentage Rate (APR) for your mortgage.

• Fixed or Adjustable Rate Mortgage? - Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.

• Are Balloon Mortgages For You? - Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.

• 15 vs. 30 Yr Mortgages - With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.

• How Much Should Your Income Be? - What income is required to qualify for a mortgage? Use this calculator to find out.

• What's Your Maximum Mortgage? - This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.

• Will Buying Points Save You Money? - This calculator helps you determine if you should pay for points, or use the money to increase your down payment.

• TripleCalc - FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other New York real estate.

• Top National Real Estate Web Sites - Real Estate Web Sites that include some unique sources of realty information, listings, and more.

• Ask Anything - Ask The Giff Group anything real estate.

• NUMBER1EXPERTS™ - List of all the NUMBER1EXPERT™ real estate agents and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale.

• Real Estate Tips - The Giff Group realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers.

• Real Estate Trivia - The Giff Group collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more.

• Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Monroe, Middletown and Woodbury property in New York, including legal terms definitions, and more.

• Go to Main Sitemap - Main sitemap sections include Find Monroe, Middletown and Woodbury Homes, For Home Buyers, For Home Sellers, Monroe, Middletown and Woodbury Information, Real Estate Resources, and About The Giff Group.

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Accepting An Offer >Low Offers In every real estate market, there are buyers who make offers that are far below the current market value of the property. How should you react if your agent brings you one of these "low ball" offers? Here are some scenarios for the seller. If your home is priced very close to its fair market value, you can simply reject the offer and be reasonably confident that a better one will appear. However, if you have priced your home higher than other comparable homes in the neighborhood, the offer may not be unreasonable. Ask your real estate agent for advice about the buyer's overall strategy. Do they really want your house or will they move on to another property if you make a counter offer? Can they afford to pay a higher price? Are there ways to close the gap with a small owner take-back, or with terms that will increase your bottom line? Take a hard look at your asking price and explore all your options before saying "no", especially if you are selling in a buyer's market. See All Tips In The "Accepting An Offer" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What is arguably the world's strangest (and most dysfunctional) kitchen? A  In 1998 the Kemper Museum of Contemporary Art in Kansas City first displayed a kitchen made entirely of 40 million colored glass beads by artist Liza Lou of Topanga, California. See More Real Estate Trivia >

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! www.TheGiffGroup.com is brought to you by The Giff Group NUMBER1EXPERT™ in real estate for Monroe, Middletown and Woodbury, New York Read The Giff Group Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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