Hello, I'm looking for a one bedroom in Park Slope for me and my two small Dachshunds. I'd like to move in Nov. or Dec. 1st. 2500 max. 1st Fl.

Asked by Melissa Lacava, West Roxbury, MA Tue Sep 25, 2012

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Tue Aug 20, 2013
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

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0 votes
Tom, Other Pro, NY,
Sun Dec 23, 2012
Dear Melissa,

Would you consider new construction (just finished, never occupied) on Ocean Avenue, across the street from Prospect Park?

1 bdrm, hardwood floors, floor-to-ceiling window, marble bathroom, in-unit washer and dryer, central heat and AC, fully equipped modern kitchen, balcony and roof deck.

Basement storage space and bicycle room.

Minutes to B, Q, S, 2 and 3 trains. Minutes to the Brooklyn Museum, the Brooklyn Library, the Brooklyn Botanic Gardens etc.

If interested, please email me, owner, at wtommy@gmail.com.

No broker fee.

0 votes
Anna M Brocco, Agent, Williston Park, NY
Wed Sep 26, 2012
Consider working with an agent; or check local print media for by owner rentals, always verify ownership before exchanging any money; word of mouth, etc.
0 votes
Luke Constan…, Agent, Brooklyn, NY
Wed Sep 26, 2012
Ahhh... Park Slope, my area! I have a variety of apartments at different prices and locations. Let's see which one will suit you.

Park Slope is a very pet friendly area, people even dress up their dogs for the annual Halloween Parade where they march in costume!

Give me a call anytime. (212) 300-3919

Luke Constantino
Commercial | Residential
Direct: (212) 300-3919
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