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First Time Homebuyers: Scarsdale, Eastchester, and New Rochelle New York home buying, real estate listings, and homes for sale in Westchester County, NY

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Real Estate Agents Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Scarsdale, Eastchester, and New Rochelle real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached.

New to the home buying process? Tell me your concerns. Ask me questions. It's my job to help! There's no obligation, and I promise to get back to you quickly...

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Investment Real Estate >Retirement and the Second Home

Buying a second home as rental property makes a great centerpiece to your retirement plan. It forces you to make regular savings in the form of mortgage payments that become your equity.

You only need cash for the down payment, and you should make sure that your monthly rental payments will cover the mortgage and any additional expenses. This is a real possibility if you buy the right house at the right price because a good single-family house should always stay rented. Your investment money is subject to less income tax, and the interest and property taxes may be deductible.

Housing has appreciated in value all over the country in recent years, making a second home an important hedge against inflation. Most experts predict that interest rates for fixed-rate and adjustable mortgages should remain in single digits for the foreseeable future, so it should be easy to acquire financing with a small down payment.

Call an agent with your real estate questions. They have helped hundreds of people to sell their homes and properties--and to purchase the home of their dreams.

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Q	Nearly every state has a mandate for seller disclosure. What must a seller disclose?
A	The seller must disclose any existing problems, defects or conditions that could affect the value of the house.
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Frank Ledermann, REALTORŽ, real estate agent and broker for Scarsdale, Eastchester, and New Rochelle New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Frank Ledermann - Lic. Associate Broker
Houlihan Lawrence Real Estate
32 Popham Road
Scarsdale, NY 10583
Phone #: 914 723-8877 Ext 337
Cell #: 914-261-8888
Fax #: 914-723-3548
Email: frankledermann@NUMBER1EXPERT.com
With over 28 years of experience as a Realtor, Frank Ledermann of Houlihan Lawrence Real Estate of Scarsdale was a 2004 Gold Level Top Producer a 2005 and 2006 "Platinum Level," and 2007 "Diamond Level" Top Producer for the Westchester County Board of Realtors. He was also the #1 Top Producer for the Scarsdale office of Houlihan Lawrence for 2005, 2006,and 2007 as well as an Emerald Level residential real estate specialist who ranks in the top 3% of all Houlihan Lawrence agents. Frank prides himself on excellent customer service and making each and every real estate transaction a smooth experience for both Buyers and Sellers. As a lifelong learner, Frank has continued his real estate education above and beyond being a Licensed Associate Broker, and holds the following professional real estate designations: ABR (Accredited Buyer Representative), CBR (Certified Buyer Representative), CRS (Certified Residential Specialist), GRI (Graduate, Realtor Institute), SRES (Seniors Real Estate Specialist), and e-PRO (e-PRO certified). Frank is also Relocation Certified with "Leading Real Estate Companies of the World" (formerly known as RELO).

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