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Suffolk County Statistics
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Let’s be honest…There are a lot of potential home buyers with less than perfect credit who need a second chance loan in order to purchase the home of their dreams. Many applicants have been rejected recently from mortgage programs because their credit score is too low for new lending guidelines that most lenders have implemented in 2011. These buyers need to have the ability to buy at a low affordable interest rate. Many people think this is NOT possible.
Well…if you are one of those people, I am here to tell you that I have very GOOD news for you!!! Nationwide lenders have recently announced a FHA loan program that may open the door for loan applicants that have been rejected for home buying because of their low fico scores. Borrowers with less than perfect credit may still be able to qualify. Getting qualified for an FHA loan is very easy and the process is free of charge. The process is easy and the reward is a home of your very own!!!
If this sounds interesting to you and you would like to receive some more information, please call our office at 631-226-5995 or 516-826-8100. We look forward to hearing from you!!!!

For those of you that do not know, an FHA loan is a mortgage insured by the Federal Housing Administration. It has several key components.
LOW DOWN PAYMENT ~ FHA loans usually require just a 3 1/2 percent down payment. This down payment can also be gifted to the borrower, which makes home ownership more obtainable for the first-time home buyer.
CLOSING COSTS ~ Closing costs can be financed as part of your overall mortgage amount which is a huge benefit. This allows buyers to buy without requiring large amounts of cash. Typically up to 6 percent of the sale price can be financed for a buyers closing cost.
EASIER QUALIFYING ~ Those with less-than-perfect credit are more easily approved for a loan through FHA programs because the federal government insures them.
THE WONDERFUL ADVANTAGES OF AN FHA MORTGAGE
VERY FLEXIBLE UNDERWRITING WHICH ENSURES EASY QUALIFICATIONS AND APPROVALS
AFFORDABLE MONTHLY PAYMENTS
LOW FIXED RATES ENSURE YOUR MORTGAGE PAYMENT WILL NEVER INCREASE
High interest rates do not exist with FHA Mortgages. You will not be sold into a risky sub-prime adjustable mortgage with unpredictable rates and payments. Your payment will remain fixed for 30 years at a low interest rate!!
If you would like more information, please call us at 631-226-5995. We look forward to hearing from you!!!!


Make no mistake, shoveling snow in the winter provides a tremendous workout. It works all sorts of muscles and burns calories. If you’re not careful, though, shoveling can also result in severe back injury or, even worse, a heart attack.
► Clearing a driveway or sidewalk of snow requires preparation and proper body mechanics.
► Allow yourself plenty of time to shovel. The activity should not be rushed.
► Dress warmly in layered clothing. But don’t bundle up to the point that your clothes restrict movement. Keep your field of vision clear and unobstructed by objects, such as a scarf.
► Limber up. Do some light stretching (10 minutes or so) before shoveling.
► Find a shovel that suits your body size. A shovel that is heavy or longer than necessary can lead to muscle strain.
► Hit the fresh stuff. Newly fallen snow is easier to shovel than older, packed snow. And keep an eye out for ice patches. Not only can ice cause you to slip and fall, it can also cause you to strain a muscle.
► Push, don’t lift. Keep your shoveling motion steady with few twists and turns. Be sure to push snow forward or to the side, not over your back.
► If you need to lift snow out of the way, bend your knees with legs apart and back straight. Let your legs and arms absorb the stress, rather than your back.
► Don’t let fatigue become a problem. Take frequent breaks to allow muscles to rest. Drink plenty of liquids to avoid dehydration.
► Heed the signs. If you experience chest pain or shortness of breath, stop shoveling immediately.
Sources: American Chiropractic Association, American Academy of Orthopedic Surgeons
RISMEDIA, February 8, 2011
Most houses have at least one small room. While small and cozy works for some, others prefer larger, airier rooms to allow things to look more spacious. Designers get paid thousands of dollars to help clients ‘transform’ rooms, but if you are looking to do-it-yourself, the following tips can help you easily create more room within a small space.
Use similar colors and textures – Using colors on opposite ends of the color wheel breaks up a room and makes each of the pieces seem smaller than one continuous color. As windows often become a focal point, it’s important to use a blind that doesn’t distract from the openness the window provides. Neutral colors are the best bet, blending into wall colors.
Mirrors give the allusion of space – Placing one large mirror on the wall reflects light which makes rooms look larger. A single mirror will also create the illusion of doubling the room. While ceiling to floor mirrors have fallen out of fashion for most, they do expand a room.
Use window treatments to frame a scenic photo or piece of art – Bringing the outdoors in is a popular expression for designers. Using a scenic image that is well lighted, framed with blinds lets people feel they are closer to the outdoors and helps expand a small room. Try to stay away from several small pieces of art as they tend to break up the room and make it feel smaller.
Use window blinds to control light – Windows are one of the best ways to make a small room feel big. Using the proper window blinds can allow light in during sunny times and conserve energy when it’s cooler out or vice versa. If the window looks out onto another building, use window blinds to create privacy but not block out light entirely. The brighter a room the more spacious it feels. Translucent cellular shades or sheer roller shades permit light to pass through but diffuse it so that people on the opposite side are not clearly visible. The shades offer a diffused glow, adding the illusion of warmth.
Think clean – One of the biggest distractions in a room is clutter. The more there is in a room, the smaller it will feel. Create a focal point, whether it’s the window, bed, a sofa or painting and work around that. Keep only what is essential for the room to function. The rest can go.
“There can be a lot of challenges when decorating a room without a designer. It can feel overwhelming, but it doesn’t have to be with the right information,” says Chris Stanley of Blinds Chalet.
RISMEDIA, May 2010
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Lindenhurst, NY 11757 (631) 226-5995 Nassau: 3900 Sunrise Highway, Seaford, NY 11783 (516) 826-8100 "Each Office Is Independently Owned and Operated." © 2008 Century 21 Real Estate LLC CENTURY 21® is a registered trademark licensed to Century 21 Real Estate LLC. Equal Housing Opportunity |