SOLD: Manlius - $279,000 - Are you looking for a gem in the coveted Fayetteville School District? Come see this Jim Brown built, 2,400 square foot home. Check out this great home for a great price within walking distance to a great school!
$350,000 - SOLD - This beautiful home is set on a quiet dead end street in the Glen Eagle neighborhood in Manlius. It has an open floor plan that is great for entertaining. The award winning Fayetteville-Manlius schools are within walking distance. Read more about this great home!
SOLD: Manlius - $409,900 - Treetops Circle is a Manlius hidden gem. You will appreciate living on the quiet cul-de-sac and savor the panoramic views in this 4 bed, 3 1/2 bath home. This home is meticulously maintained and move-in ready. Schedule a showing today!
$430,000 Sold - This former factory has been converted into the perfect open loft condo. Enjoy Armory Square via the Syracuse Creek Walk which is right next to the building. Destiny USA is a short walk to the north. Move into the city and simplify your life!
Simple renovations to make your home look better and live better.
Styles of houses vary across the country. From the New England Cape Cod to the Victorians of San Francisco, the choices are almost endless. This is a quick guide to help you recognize and use the professional terms for many of the most prevalent house styles.
Our experience working with Judy became more then just finding a house, but finding the right home for our family to make memories for years to come.
As a Realtor®, I am expected to be wise in all matters relating to a change of residence. Even though garage sales are far from my primary field of expertise, allow me to pass on the best advice we have picked up over the years.
It is customary and prudent for a buyer and seller to have a third, disinterested party to assist them in carrying out the terms of their agreement. In California, this procedure is known as an escrow. When opening an escrow, the buyer and seller establish terms and conditions for the transfer of ownership of property. Your escrow is created shortly after you execute the contract to purchase your home. The escrow becomes the depository for all monies, instructions and documents. The Escrow Officer has the responsibility of seeing that all terms of the escrow are carried out.
As you think about applying for a home loan, you need to consider your personal finances. How much you earn versus how much you owe will likely determine how much a lender will allow you to borrow.
First, determine your gross monthly income. This will include any regular and recurring income that you can document. It is the average income of a 2 year time period. Unfortunately, if you can't document the income or it doesn't show up on your tax return, then you can't use it to qualify for a loan. However, you can use unearned sources of income such as alimony or lottery payoffs. And if you own income-producing assets such as real estate or stocks, the income from those can be estimated and used in this calculation. If you have questions about your specific situation, any good loan officer can review your documents.
Next, calculate your monthly debt load. This includes all monthly debt obligations like credit cards, installment loans, car loans, personal debts or any other ongoing monthly obligation like alimony or child support. If it is revolving debt like a credit card, use the minimum monthly payment for this calculation. If it is installment debt, use the current monthly payment to calculate your debt load. And you don't have to consider a debt at all if it is scheduled to be paid off in less than ten months. Add all this up and it is a figure we'll call your monthly debt service.
In a nutshell, most lenders don't want you to take out a loan that will overload your ability to repay everybody you owe. Although every lender has slightly different formulas, here is a rough idea of how they look at the numbers. Typically, your monthly proposed housing expense, including monthly payments for taxes and insurance, should not exceed about 28% of your gross monthly income. If you don't know what your tax and insurance expense will be, you can estimate that about 15% of your payment will go toward this expense. The remainder can be used for principal and interest repayment.
In addition, your proposed monthly housing expense and your total monthly debt service combined cannot exceed about 36% of your gross monthly income. If it does, your application may exceed the lender's underwriting guidelines and your loan may not be approved.
There are a number of factors within your control that affect your monthly payment. For example, you might choose to apply for an adjustable rate loan that has a lower initial payment than a fixed rate program. Likewise, a larger down payment has the effect of lowering your projected monthly payment.
A lender takes into account many factors that reflect the financial condition of a homebuyer. With a variety of loan programs, buying a home is possible.
A written proposal is the foundation of a real estate transaction. Therefore, you need to enter into a written contract, which starts with your purchase offer. This proposal not only specifies price, but all the term and conditions of the purchase.
There are a variety of standard forms used by agents and bound by both the law and local practice. After the offer is written and signed, it will be presented to the seller by your agent in the presence of the seller’s agent, or by the seller’s agent alone.
The long and winding road that leads to the door of your new home can be confusing and exhausting. It helps to know you are not alone and that you have, at your disposal, your Agent's professional expertise.
Q: What is an offer?
A: An offer is usually made in the form of a written contract prepared by a sales associate representing a buyer. All offers for your property will generally first be presented to me, and I will then present them to you.
Q: How quickly must I act?
A: Usually time is of the essence in negotiating an offer. There are often strict deadlines, which must be met. I will stay in constant communication with you during the entire transaction process.
Q: Who knows about the terms of an offer for my property?
A: No one, except you, and myself, will know about the terms of an offer prior to your acceptance. You will be kept informed of any other buyer’s interest in your property; and if more than one offer is submitted to me, all will be presented to you for your consideration.
Congratulations on the purchase of your new home! Now, for the next challenge: moving. This is a great time to carefully weed through your possessions and to dispose of any clothes, furniture and fixtures that you no longer want or need. Donate them to a charity, hold a garage sale – but if you don’t want them any more, don’t move them.
$480,000 (SOLD) - Country living at it's finest! It's located on a quiet upscale rural road just 5 minutes from the villages of Manlius and Cazenovia. And yet you can be in downtown Syracuse in a less than a half hour. It's the perfect home for the busy family looking for a country home that's move-in ready!
SOLD: Syracuse - $389,000 - Franklin Square in Mission Landing is in the perfect location in downtown Syracuse. Enjoy views from 12' windows with north to south exposures. Have quick and easy access to all parts of the city. If you're looking for NYC living in Central New York, look no further!
Judy provides exceptional service by focusing on the needs of the client and developing creative solutions...
She made herself very available to view all homes that we were interested in on our schedule and seemed to genuinely care about our feelings.
Judy was simply fantastic! I can't put into words how very helpful she was.
I highly recommend Judy for all of your Real Estate needs!