"Thanks for all Gino."
"our first weekend in paradise was just that- paradise. We had 2 feet of snow. Our car got stuck about 100 feet from the house..."
Shari and Thomas Depuoz, Pawling NY
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Inspired Real Estate Advice 914-450-5356.
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This is the site for comprehensive current information on Katonah, Somers, North Salem, Bedford, Cross River, South Salem, Waccabuc and Chappaqua.
Changing homes can be exciting, challenging, fun and rewarding. It can also be complex and stressful. That's where we come in. From making the decision to relocate to getting you comfortably settled into your new home, our team is committed to making your moving experience enjoyable and hassle free.
I know this locale from the roots up, the property values, the amenities, which homes are coming up for sale, and anything else you may wish to know about the neighborhoods.
My goal is to provide the finest real estate service in our area. Quality before quantity. This web site is designed to help you gather information and make an educated and well-informed decision when you decide to buy or sell property.
If you are new to the North Westchester area be sure to check out my Local Info section that offers loads of information on schools, neighborhoods, the local economy, and of course the current state of the real estate market.
If you are in the market to buy a home, check out my For Buyers section that offers some great information on the homebuying process including tips on moving. Sign-up to get the hottest new listings e-mailed to you as soon as they become available.
My For Sellers section provides plenty of advice on how to prepare your home for sale to ensure the best price possible and you can obtain a free market analysis of your property to help you determine its current value.
Having owned property here since the early 80s, I have strong ties to the area and this has allowed me to become one of its most successful realtors.
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Financing Your Home >Mortgage Terms
New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.
Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.
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- NUMBER1EXPERT™ 
