Home Buying in Richmond County : Advice

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Myersjulie31, Home Buyer in Blakeslee, PA
Myersjulie31 answered:
I have a question regarding an investment property and property insurance. How much more would property insurance be for an investment property,?
It would depend on the insurance company and what kind of policy you would like. If you want to get a good policy and you want a good price on it, you might check with a couple differen ... more
0 votes Share Flag Tue Dec 16, 2014 Home Insurance in Staten Island
Nicholas Haze, Real Estate Pro in New York, NY
Nicholas Haze answered:
should I use the same realtor that have listed a home to save money?
It all depends on your relationship with your realtor. If it worked out pretty well for you last time then it might workout again. If not give one of the agents at DiTommaso Realty a t ... more
0 votes Share Flag Wed Nov 26, 2014 Home Buying in Staten Island
Christopher…, Real Estate Pro in Staten Island, NY
Christopher Burdzy answered:
Hello, my husband and I are looking for a NACA approved agent in the Staten Island area
Hello,

I am registered with NACA. Feel free to contact me if you're still looking for a house.
0 votes Share Flag Fri Nov 7, 2014 Home Buying in Staten Island
Karen Peyton, Real Estate Pro in Chandler, AZ
Karen Peyton answered:
Can a business loan affect a personal home mortgage decision ? I'm currently in the process of obtaining a personal Home mortgage in the
Luxe,

I'm not a lender, but here's my two cents:

Yes, it can. It depends on who you are in relationship to the business and what type of business entity you have formed.

Is th ... more
1 vote Share Flag Thu Oct 23, 2014 Credit Score in 10309
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
What does R-8 or R8B means in a property?
R8 Apartment buildings can range from mid rise, eight to ten story buildings to much taller buildings set back from the street on large zoning lots. R8B usually unified blocks of browns ... more
0 votes Share Flag Tue Oct 21, 2014 Home Buying in Staten Island
Matthew Jabl…, Real Estate Pro in Staten Island, NY
Matthew Jablonsky answered:
Termite Treatment-Who should pay?
Typically the seller will be the one responsible to cover the termite treatment. A large majority of the banks will require a termite certificate in order for them to give the loan. Ter ... more
0 votes Share Flag Sun Oct 19, 2014 Home Buying in 10305
Luxe, Home Buyer in Brooklyn, NY
Luxe asked:
Two-family home 20% or 25% required down payment ?? I was hoping somebody could shed some light on this topic as I am getting mixed answers from various mortgage brokers.

I'm Purchasing a 2 family home for 740,000 in Staten Island…
0 votes Share Flag Sat Oct 18, 2014 Home Buying in Staten Island
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
I have tax liens from years ago but am in a current payment plan. I make more than 200K a year with good credit. Will I get approved for a mortgage?
You will most likely not be able to purchase as long as the tax lien is attached to the property. Most mortgage lenders require a first lien position on the property, and a tax lien wil ... more
0 votes Share Flag Mon Oct 6, 2014 Home Buying in Staten Island
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
home buying question
The amount of money you owe versus the amount you bring home is called your debt-to-income ratio, or DTI. Your DTI is the percentage of your monthly gross income that goes toward paying ... more
0 votes Share Flag Mon Oct 6, 2014 Home Buying in Staten Island
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
is jersey better to buy than ny?
While both New York and New Jersey have relatively high income taxes, New Jersey's lowest income tax rate is 1.4 percent while New York's is 4 percent. The lowest tax bracket is also wi ... more
0 votes Share Flag Mon Oct 6, 2014 Home Buying in 10301
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
Mortgage after short sale or foreclosure ...
The short answer; the amount of time you must wait before applying for a new mortgage loan depends on the type of lender and your financial circumstances.You may not have to wait to app ... more
0 votes Share Flag Mon Oct 6, 2014 Home Buying in Staten Island
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
what is the average Home Sale in Staten island?
The median sales price for homes in Staten Island NY for Jun 14 to Sep 14 was $371,280. This represents an increase of 6.1%, or $21,280, compared to the prior quarter and a decrease of ... more
1 vote Share Flag Sat Sep 13, 2014 Home Buying in Staten Island
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
when will the Accolade, 90 Bay St Landing, begin sales?
Hello Benjamin, I trust you has visited the open site by now. 718-815-6500 www.theaccoladecondos.com
0 votes Share Flag Thu Sep 11, 2014 Home Buying in 10301
Kevin Liotta, Real Estate Pro in Staten Island, NY
Kevin Liotta answered:
What bank or mortgage company approves loans & processes the transactions quickly without asking for endless information again & again?
Here at Continental Home Loans, we close deals in 3 weeks. And we ask for all of our paperwork upfront to avoid the ongoing paper trail. Contact me today for any mortgage needs
1 vote Share Flag Tue Jul 15, 2014 Home Buying in 10312
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
Any homes for sale in West Brighton with fireplace?
Yes, we have a number of available homes with fireplaces.
0 votes Share Flag Mon Jul 14, 2014 Home Buying in West Brighton
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
Hi Im looking into staten island realestate, Single family home, about 1,500 sq feet , about 2 or 3 bedrooms , 2 bathrooms,, do any realestate
Hello Haley, currently there are approximately 12 homes that conform to your specifications. Please send me your contact information, and I will forward them to you.
0 votes Share Flag Tue Jul 8, 2014 Home Buying in Staten Island
Cristina Dat…, Real Estate Pro in Staten Island, NY
Cristina Dattolo answered:
Needed: Buyer agent for senior - Staten Island NY
Hi Annette,
My webpage is www.cristinadattolo.com
You can contact me directly via trulia and I can help narrow down your search.
Please feel free if it is easier to contact me by pho ... more
0 votes Share Flag Tue Jul 8, 2014 Home Buying in Staten Island
Cristina Dat…, Real Estate Pro in Staten Island, NY
Cristina Dattolo answered:
Seeking to move to Manhattan, need advice.........
Hello Itstarch,
I am a Realtor on Staten Island, your best bet would to post this question in the manhatten section of trulia voices so you can get answers from people who live in the ... more
0 votes Share Flag Tue Jul 8, 2014 Home Buying in 10307
JOSEPH RUNFO…, Real Estate Pro in Staten Island, NY
JOSEPH RUNFOLA JR, BROKER, GRI answered:
Are there any rental homes with option to buy on Staten Island?
Not that I am aware of. You need to be cautious in this situation. Rent to buy may also be called Lease to Buy; Renters pay a certain amount each month to live in the house, and at the ... more
0 votes Share Flag Wed Jun 18, 2014 Home Buying in Staten Island
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