Iam in search of a a nice studio or one bedroom apartment in the Sheepshead bay or Brooklyn Height or just Brooklyn period

Asked by Angela Clark, Brooklyn, NY Mon Sep 3, 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
Tatiana Davis, , Brooklyn, NY
Wed Sep 12, 2012
We have a few in those areas, what is your budget?

Give me a call.

Tatiana Davis
Davis & Associates Realty
0 votes
Tatiana Davis, , Brooklyn, NY
Thu Sep 6, 2012
We may have a few options for you, please call us at 718-805-2400.

Tatiana Davis
Davis & Associates Realty
0 votes
Jack Menashe, Agent, Brooklyn, NY
Wed Sep 5, 2012
have a fe things that opened up if still in the market....
info@sherestates.com or my agent sara@sherestates.com
0 votes
Joseph Calab…, Agent, Brooklyn, NY
Tue Sep 4, 2012
I'd gladly work with you in finding the right apartment, It'd be helpful to discuss in more detail exactly what you are looking for.

You can call me anytime

Joseph Calabrese
Associate Broker
ReMax Metro
Office: 718-236-7100
0 votes
Don Maclary, Agent, Virginia Beach, VA
Tue Sep 4, 2012
If you would like a referral to an agent to work with visit: http://www.grapevinereferrals.com
0 votes
Anna M Brocco, Agent, Williston Park, NY
Tue Sep 4, 2012
Consider working with an agent; also 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
Mon Sep 3, 2012
Hello Angela,

How many people? what's your price range? Do you have a doggy? I have a variety of places throughout Brooklyn. Maybe i can find one that is right for you. Feel free to call me anytime!

Luke Constantino
Commercial | Residential
Direct: (212) 300-3919
0 votes
Hi it i s just for one person female mid 30's no dogs or kids, must be in ug in a safe location no rat and bug infested places. I prefer a studio in the bed stuy,clintonhill,prospectpark,area.
Flag Tue Sep 4, 2012
Michael A., Agent, New York, NY
Mon Sep 3, 2012
Hello Angela, please feel free to give me a call.
Thank you.
1st premier realty
0 votes
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