Rentals in Astoria>Question Details

Kathryn92688, Renter in Queens, NY

I am looking for a 2 bedroom apartment in Astoria. Must be within walking distance to the N/Q line. Wiling to pay 1750 MAX.

Asked by Kathryn92688, Queens, NY Thu Oct 18, 2012

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Rent today; Buy tomorrow. How to convert from Tenant to Homeowner.

When I rented my first apartment in Astoria, I did not want to be a Tenant my whole life and pay my Landlord’s mortgage. I longed to become a Homeowner.

That’s why I found my way into the mortgage business in 1989 and soon afterward became a Homeowner. Here are the fundamentals any Tenant should know to prepare to become a Homeowner in the future, no matter when that might be.

• Credit: Establish 3 credit accounts, no more than 5. Pay your bills on time. Keep your balances to no more than 50% of your credit limit. Don’t pay off the accounts in full. Keep balances active for 12-24 months. All of the above will provide both a good credit score and adequate credit history to qualify for a mortgage loan.

• Assets: A basic savings budget isn’t hard to do. Pay your rent first in your budget; then set aside 10% of your income before taxes . Make it a budget priority and you’ll still have money left over for entertainment and restaurants and clothing.

How much money do you need to buy a home? Many buyers spend no more than $25,000 to buy their first homes. There are loan programs with low down payment requirements and many real estate agents negotiate for their Buyers a “Seller’s concession” to include the Buyer’s closing costs (which are HIGH here in New York!) in the price of the home.

• Income: Two years consistent income is the basic requirement for either a salaried individual or a self-employed person. Income from Bonus, Commission, and Overtime is treated differently and is best discussed with your Mortgage Banker.

• Market Survey: it doesn’t hurt to go out and get to know neighborhoods where you might like to buy a home. Visit open houses on Saturdays and Sundays. It’s okay that you’re not yet buying; tell the Realtor at the Open House you’re just beginning your “survey.” You’ll also get to know market prices for different kinds of homes. It’s okay to “window shop” homes on the weekend at Open Houses!

I hope these fundamentals will help you better understand the path to homeownership is a process that, with preparation and dedication, you can move through easily. And if you’re interested in getting Prequalified today to create an Action Plan for your future of Homeownership, call me anytime!

Trevor Curran
NMLS #40140
http://www.tcurranmortgage.com

*If you thought my answer was helpful, please give me a “Thumbs Up” or “Best Answer.” Thanks!
0 votes Thank Flag Link Tue Aug 20, 2013
I have 1 bedroom that could be converted in to 2 bedrooms, 21st st and hoyt ave for $1400 . hardwood fl. eat-in kitchen.3rd fl.walk-up

I have $1800 2 bed on 24th ave/27th st
call me at 347-665-8019
0 votes Thank Flag Link Mon Dec 3, 2012
I HAVE TWO BEDROOM APARTMENT IN ASTORIA FOR RENT ONLY FEW BLOCKS AWAY FROM DITMARS BLVD, THE RENT IS $1600
FOR MORE INFORMATION YOUCAN CONTACT ME AT 646 2711884 JENNY /EAST COAST REALTY.
YOU CAN FIND ALSO MY ADVERTISING IN TRULIA
THANKS
0 votes Thank Flag Link Wed Nov 7, 2012
IHAVE AN APARTMENT THAT FITS YOU CRITERIA, FEEL FREE TO CONTACT ME @ (347)551-9332 ANY TIME.
0 votes Thank Flag Link Thu Oct 25, 2012
WE have tons of active listings in our site http://www.WERENTNY.com please take a look and get back to me. WE specialize in rentals and will be happy to assist you.
0 votes Thank Flag Link Fri Oct 19, 2012
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