From everything I've read, if it's anything serious, it will show up on your credit report. If you are like me, where I want to know if I owe any money from damages (stupid dogs) without actually asking them, I'm checking and will let you know if I find anything.
There's quite a few that charge between $20-$30, I just don't now about free.... more
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You can show proof of funds through a statement from the institution that manages your investment accounts. The statement, on institutional stationery, can be worded, "Please be advised that Mr. X has access to liquid funds in excess of $------ in his account ending in XYZ." I have used such statements successfully as "proof of funds" in making an offer.... more
Is this for a co-op? That would explain the 25% down payment and why the asking price is $450K. I'm sorry the appraisal is low and unfortunately in New York City, sellers have the advantage that they can get more buyers submitting offers than outside NYC.
If this home was located in a lower income neighborhood of Queens, I would advise negotiating with the seller and seeing if you can lower your offer price. However if this home is located in Astoria, Bayside or the better parts of Queens, your luck at negotiating for a lower offer price is slim - none. You can try and cross your fingers but don't expect much. As for paying another appraiser - it's up to you if you want to spend the extra money but it's 50-50 if a 2nd appraiser will come in at a higher price. It may be worth it if it means paying less than $45K.
Another option is to withdraw your offer and find a cheaper co-op or home. I know in the better neighborhoods of Queens, buyers will submit high offers. You need to know that Brooklyn is too expensive now and Manhattan is out of reach so the borough to target buyers is Queens. When that gets too expensive like Brooklyn, they will head for the Bronx or Long Island.... more
The 90 day holdover period is to protect the brokerage in case a buyer who saw your home during the contract period and now wants to submit an offer after your contract ended. The issue is the brokerage keeps a list of buyers who visited your home and if a buyer submits an offer, the brokerage wants to get paid. Once the 90 day period is over and if a buyer submits an offer, you do not owe the brokerage a penny.
Try to wait for the 90 day period to end, then sell by owner.... more