Buying a home Archives - Page 2 of 8 -


If you have saved up your down payment and are ready to start your home search, one other piece of the puzzle is to make sure that you have saved enough for your closing costs.

Freddie Mac defines closing costs as:
“Closing costs, also called settlement fees, will need to be paid when you obtain a mortgage.  These are fees charged by people representing your purchase, including your lender, real estate agent, and other third parties involved in the transaction. Closing costs are typically between 2 and 5% of your purchase price.”
We’ve recently heard from many first-time homebuyers that they wished that someone had let them know that closing costs could be so high. If you think about it, with a low down payment program, your closing costs could equal the amount that you saved for your down payment.
Here is a list of just some of the fees/costs that may be included in your closing costs, depending on where the home you wish to purchase is located:
Government recording costs
Appraisal fees
Credit report fees
Lender origination fees
Title services (insurance, search fees)
Tax service fees
Survey fees
Attorney fees
Underwriting fees

Work with your lender and real estate agent to see if there are any ways to decrease or defer your closing costs. There are no-closing mortgages available, but they end up costing you more in the end with a higher interest rate, or by wrapping the closing costs into the total cost of the mortgage (meaning you’ll end up paying interest on your closing costs).
Home buyers can also negotiate with the seller over who pays these fees. Sometimes the seller will agree to assume the buyer’s closing fees in order to get the deal finalized.

Speak with your lender and agent early and often to determine how much you’ll be responsible for at closing.Finding out you’ll need to come up with thousands of dollars right before closing is not a surprise anyone is ever looking forward to.

43 Walling Road, Warwick NY – Country Living in a Custom-Built Home

43 Walling Road, Warwick NY – Country Living in a Custom-Built Home

It’s just 55 miles from New York City. However, it might as well be a world away. Country living awaits in this custom-built home in the Town of Warwick, New York.  With 4 bedrooms and 3 full baths, there’s room for everyone! And the neighboring 3.6 acre lot for sale provides the additional acreage required to make a horse-friendly property. Furthermore, you’re in the Warwick School District.

Custom-built for enjoying the country life






The main floor of this unique home has recently been updated with hickory hardwood floors. The kitchen features custom high-end maple cabinets, granite counter-tops and Kitchen-Aide stainless appliances. Any chef or baker will enjoy the full range PLUS double wall ovens.

The flow of the main floor, stone fire place and vaulted ceiling in the living room and windows that let both light and views in make this a place you’ll want to come home to! There is a bedroom and full bath on the main floor. In addition, there is a private laundry.

The second floor features two bedrooms and another full bath. The walk-out basement is great for a workshop or work-out area. There is lots of extra storage space, including an additional, detached 1-car garage for lawn tools and equipment.

A Home for everyday living and entertaining…

Built with comfort and privacy in mind, this home is perfect for both everyday living and entertaining.

In the summer, your family and friends will enjoy the in-ground pool, large yard, cedar deck and large paver patio. There’s room for everyone! There is even an attached apartment perfect for extended family or guests or for a home office.  In the winter, gather around the stone fireplace. Especially after an afternoon of skiing at one of the nearby slopes. Less than 15 minutes from the Village of Warwick, you’re near great restaurants, unique shops, and historic sites.

Enjoy the coziness of country living with amenities and features that will make this your private oasis.


13 advantages to making 23 Hidden Valley Drive in Vernon, NJ your new home

13 advantages to making 23 Hidden Valley Drive in Vernon, NJ your new home


  1. Living on top of the world like Elsa of Arendelle in Disney’s animated film Frozen.  Instead of ice, your 5,350 square foot mountaintop castle was crafted in 2007 from high quality cedar.
  2. You could use a different bathroom (4 full and two half baths) almost every single day of the week.  This could potentially cut your cleaning time in half and you will never have to wait in line
  3. In the cold winter months you can keep warm by the FOUR natural stone Rumford fireplaces, including one in your beautiful master bedroom en-suite.
  4. Enjoying sunlit, 360 degree views of natural beauty and wildlife that include soaring hawks and eagles overhead through floor-to-ceiling windows and motorized skylights.
  5. Remember when Amazon was just an online bookstore? If you are an avid reader like Jeff Bezos and Oprah Winfrey, the five built-in bookcases will keep you reading for years to come.
  6. Satisfy your craving for log cabin living, Abraham Lincoln style, with log stairs and railings that take you upstairs from the 1,500 square foot main living area.
  7. How about hosting a holiday party for 50+ loved ones with a gourmet eat-in kitchen that features cherry cabinets, a center island with granite countertop, a walk-in pantry, a built-in full size refrigerator/freezer, double wall oven, and two dishwashers.
  8. Going back to the master bedroom en-suite, the one with the fireplace, you will never want to leave once you set up shop in the two walk-in closets, and take a dip in the Jacuzzi tub.  Did I mention the heated floor that will keep your feet warm on a cold winter morning?
  9. Better than stargazing with the hope of catching a glimpse of the North Star, friends and family will look up in awe at your wood cathedral ceilings in both the living room and master bedroom.
  10. With five bedrooms and a loft, everyone in the family will have their own personal space, or you can invite a few friends for a weekend of skiing at Mountain Creek (only minutes away).
  11. Reap the benefits of a cost-efficient six-zone hot water baseboard oil heating system and two central A/C units
  12. Although Vernon is one of the safest towns in the country, sleep peacefully knowing that you are protected by a fire/security alarm system with central station monitoring
  13. Don’t need to park your vehicles inside of the garage? Set up that yoga studio or workspace inside of your heated 3-car garage with cedar doors and hot/cold water connection


This stunning Adirondack lodge-style custom home can be yours with one quick phone call.  Make an appointment today to see this one-of-a-kind mountaintop retreat.

21 Stony Brook Drive – A Pine Island Gem

21 Stony Brook Drive – A Pine Island Gem


A Pine Island Gem 


Pine Island Gem

This lovely 3-Bedroom, 2-Bath Raised Ranch is a Pine Island Gem.  This pridefully-maintained home is nestled on park-like grounds that offer privacy, peace and quiet, without being secluded. Mature landscaping features a row of majestic evergreens. And the beauty of perennial hydrangeas, hosta and peonies delight seasonally. Relax and stargaze on the deck, which is perfect for dining al fresco.

Just 55 miles from NYC,  you’ll feel as though you’re in another world. Experience the tranquility that comes from being surrounded by nature. Not too big, not too small, this home is just right! And, move-in ready at an affordable price with low taxes, you can make country living a reality. Furthermore, the location, within the Warwick Valley School District, is convenient to everything and everywhere.

No matter the season, beauty surrounds you

Pine Island Gem in Spring 





Imagine coming home to this tranquil setting. And being surrounded by beauty, no matter the season.  This charming home, with its magnificent property, is a retreat from city life and is perfect for entertaining, gardening, relaxing. Or just being one with nature.

Pine Island IS a Gem!

Maybe you’ve never heard of Pine Island.  Or you may have heard that it’s a little town out in the middle of nowhere.  However, that’s just not true. Not only is Pine Island minutes from the Village of Warwick, it’s also right across the border from Vernon, New Jersey.  As a result, your commuting options are enhanced. Furthermore, so are your options for stores, restaurants, services and more.  Vernon provides access to the Appalachian Trail, horseback riding, ski resorts, restaurants, shops and Mountain Creek Water Park. The Village and Town of Warwick provide you with eclectic shops, restaurants, antique and consignment shops, more skiing, hiking and horseback riding.  Then you have wineries, cideries, breweries and distilleries throughout the area.

Pine Island itself is a delightful little town.  Or rather it’s one of Warwick’s hamlets. And it is evolving into a very special place to live. Known for its rich, black dirt, Pine Island farmland is famous for its onion production. It is also home to the well-known Jolly Onion Inn, which is enjoying huge success after its recent reopening. In Pine Island you will find dance schools, a music school and a preschool.  There’s a bagel shop, florist, hair stylist, yoga studio, delis and a farmers market.  There are even several places to order pizza from. That Place at the Onion, a consignment shop that had been a staple in the Village of Warwick, has relocated here. Furthermore, there are two gas stations, several auto repair shops, a sporting goods consignment shop, and a wine and liquor store. You can even stop by the Pine Island Brewing Company and sample one of their new craft beers!

And in this beautiful rural setting you can live the peaceful country life, on your own piece of Warwick.

1890 Farmhouse with Barn in Warwick

1890 Farmhouse with Barn in Warwick


There is something special about an old house.  Old homes have a history and they tell a story.  Entering a home that has been around for generations where people have lived for centuries gives you a perspective on where you fit in the big picture.  Living in an older home makes you a part of that greater story as it continues.  Walking through the rooms of an old home takes you back in time.  They are unique and have a charm that can be captivating.

So come see this charming 1890 Farmhouse on 60 Little York Road in Warwick nestled in the picturesque setting of the black dirt region with beautiful property and barn. This country home or weekend retreat provides all the elements for relaxing, comfort and easy living. The home offers 1,287-sq.-ft. of space with 2 bedrooms/1 bathroom PLUS an additional room with closet on the main level and yet ANOTHER room on the second floor providing additional space and room for expansion. Feel at home in the sun drenched living room or spend time on the rocking chair porch as you soak in the peace and quiet of the countryside. With spectacular curb appeal on 3/4 of an acre of land your family and friends will love the property, ideal for gatherings and parties. The chicken coop is complete with a roosting loft and egg laying chicken nests. This home is close to parks, shopping, restaurants, farms & wineries.

Farmhouse in Warwick, NY

A Home made for the Holidays…

A Home made for the Holidays…

365 Elm Avenue, Bogota, NJ

If you are looking for that small town, community-inspired neighborhood, look no further. This charming cape style home (with four bedrooms and two and a half bathrooms) located in a suburb of New York City is home to roughly 8,000 people.  Minutes away from downtown Teaneck and Hackensack, you have the world at your fingertips. Literally. Cuisine from all different countries around the world: whether you are craving some ropa vieja or falafel, there is something to please every palate.

If privacy and green space are on your must-have list, 365 Elm Avenue should do the trick. Located on a quiet cul-de-sac with a nice, well-manicured lawn (complete with shrubbery and trees), enjoying a glass of lemonade on your front porch might just become part of your routine in the warmer months. Stepping through the front door into your sun-filled living roomwill be an added bonus, especially this time of year, because of the blazing gas fireplace.  The beautiful, ornate mantle is perfect for hanging Christmas stockings or showing off that antique copper menorah during the holiday season.

Beautiful hardwood floors throughout the main floor and a semi-open floor plan are highly sought-after features that are perfect for entertaining.  With stainless steel appliances and a center granite counter-topped island, the open kitchen/dining room area will be a popular gathering space. Tall windows and sliding glass doors that open onto a tree-lined deck make this second living room area feel bright and spacious.  A second fireplace finishes off this updated room.

This home comes with good-sized bedrooms and bathrooms along with some updates including showers and fixtures.  Ample closet space including a walk-in closet in the downstairs bedroom will definitely come in handy. The basement features a half bath, more cabinet space, a laundry room, and a large recreation room that would make the perfect home theater or play room.  Storage galore is available with the large two car garage. For commuters, this is the perfect spot because because NYC transportation is only a block away.

Call me today to set up a showing before it is too late! This lovely home will not be on the market for long.