In the 10804 zip code, if you have a house, it would be better to sell in the spring as most families don't want to disrupt their children's education. If you own a co-op or condo, it makes no difference and you can sell anytime of the year. Selling real estate is a 365 day a year industry so there is no bad time to sell. The only challenge that will make selling difficult is during the winter when there is snow & ice on the ground.... more
Have you tried thru the county and city instead of state? Many down payment assistance programs are thru local communities - not the state. They have requirements so you will need to verify the requirements.... more
No, you cannot claim heating oil and Con Ed on your personal residence.
If you are inquiring about multi-family dwelling in which you rent apartments and provide utilities, seek the guidance of a tax professional.... more
Hey I don't live too far from there I'm right off Ellenton. It's a little busy but not to the point where you'd be frustrated hey when you finally get home you can enjoy your beautiful home. Go for it... more
First, you need to check out Harbor House on Davenport Ave. The rental office is at 3 Davenport Ave. & you don't need any real estate agent. I lived there for 20+ years & it's a good place. Try to get into one of the rear buildings (you won't hear any traffic noise from Pelham Rd.). They have studios - 3 bedroom apartments. Another option is 120 - 150 Pelham Rd. Again, the rear building is quieter because it doesn't face Pelham Rd. Also, try the rental buildings on Franklin Ave., Church St, Division St., etc.
As for real estate agents, it can be a little difficult because most of them don't want to work with renter's. Agents work on commission & make more money selling & listing houses than helping somebody find a rental. Ask for newly licensed agents. Many of them will work with renter's because they don't have enough experience in selling houses. Their commission is paid by the landlord - not you. However, if the landlord refuses to pay the agent's commission, then it will be your responsibility to pay.... more
First, this is completely incorrect. There is NO hard number for how many points a credit score is affected by ANY activity on a credit report. For anyone to know that exact number would mean that person has knowledge of the secret algorithm used by FICO to generate credit scores. One visit to the MYFICO.com website will demonstrate that not even FICO provides an exact number for activities on a credit report that affect scoring algorithms.
Second, find a new banker. When you check out mortgage professionals, be sure to visit the National Mortgage Licensing System (NMLS) website. Consumers can verify the licensing of mortgage professionals and also the experience level of those professionals. I once saw a licensee who only two years earlier had been managing a pizza restaurant...! And that mortgage professional had made similarly bizarre statements to the consumer as this banker has made to you.
Take a look at MYFICO.com for credible information from the SOURCE about how credit scores are calculated and the effect of inquiries when a credit report is pulled.
Hope that helps!
NMLS #40140... more
There are many different sections of New Rochelle, some are doing better then others. I find that the area downtown that was supposed to be revitalized and sort of hit a wall, is suffering a little. Otherwise the majority of New Rochelle has performed well this season.