Archive for February, 2011

INTERESTING INFORMATION ABOUT FHA MORTGAGE LOANS…READ ALL ABOUT IT!!!!

Wednesday, February 23rd, 2011

picture27

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!!!!

WINTER ISN’T OVER YET!!! HERE ARE SOME SIMPLE TIPS TO TAKE THE PAIN OUT OF SHOVELING!!!

Tuesday, February 8th, 2011

snow-shoveling1

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

Monday, February 7th, 2011

market-update

YOUR FEBRUARY NEWSLETTER IS HERE!

Thursday, February 3rd, 2011

This month’s featured articles include;

  • Why Home Ownership Matters
  • Top 5 Improvements Cost/Return
  • Owners and Renters Agree
  • Will it Flush?
  • Market Watch Video

Click Below to take a closer look at your February Issue

house_magnifier


Suffolk: 1596 Straight Path, 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
Home   |   For Buyers   |   For Sellers   |   Become an Agent   |   Meet Us   |   Financing