Hello, I'm looking for a 3 or 4 bedroom house to rent in Canarsie, I live in Canarsie now on E 98 St., but I need more room.

Asked by gburnett7, Brooklyn, NY Mon Jul 30, 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
Werner Kajet, Agent, JAMAICA, NY
Fri Aug 24, 2012
BE MORE THAN HAPPY TO HELP. 1-347-807-8914
0 votes
Michael A., Agent, New York, NY
Mon Jul 30, 2012
This is michael, please feel free to call me. i have just the right apartment for you.
thank you
office: 718-745-5792
cell: 313-590-1533
ask for michael.
0 votes
Michael Doug…, , New York
Mon Jul 30, 2012
I would love to help you. My apartments are rented at an extremely fast rate, so give me a call asap 347-579-3894. I look forward to speaking with you.

Michael Douglas
Licensed Real Estate Salesperson
0 votes
Luke Constan…, Agent, Brooklyn, NY
Mon Jul 30, 2012
I have a variety of places in Canarsie at different prices that are 3-4 bedrooms... What is your price range?

Call me anytime... The number below is my cell.

Luke Constantino
Commercial | Residential
Direct: (212) 300-3919
0 votes
Robert Tracey, Agent, Brooklyn, NY
Mon Jul 30, 2012
Hello, Thank you for your inquiry. I can definitely assist you in this matter. You can contact me at 718-376-4994 or traceyre1@aol.com Robert Tracey
0 votes
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