Cathy Duff-Poritzky | Yorktown Real Estate, Cortlandt Real Estate, Somers Real Estate



This listing recently sold for $350,000.

941 Mckinley Street, Peekskill, NY 10566  

Residential
$334,900
Price
$350,000
Sale Price
3
Bedrooms
1
Baths
Inviting front porch sets the stage for this well maintained Cape style home. Recently updated kitchen features maple cabinetry, granite countertops and tiled back splash. The brick fireplace is the focal point of the cozy living room. Updated in 2006, the bathroom is fully tiled and boasts heated floors. The finished lower level is a walk out and includes family room w/ wet bar, storage, utilities and laundry. Hardwood floors are located throughout the first level. The 3rd BR is located on the second level and could be a fabulous Master suite. Central AC, System 2000 oil burner, 3 Zone heat, above ground oil tank, and plenty of storage. Privately sited w/ a level back yard, this home is located close to Route 9, shopping and Metro North Train! Taxes w/ BASIC STAR would be only $7,034!!!!



This listing recently sold for $585,000.

3840 Marcy Street, Mohegan Lake, NY 10547  

Residential
$575,000
Price
$585,000
Sale Price
3
Bedrooms
3/1
Full/Half Baths
Strawberry Meadows! Welcoming front porch and 2 story entry sets the stage for this gracious home. Well maintained and perfectly sited on over 1 acre of property, this 4 BR colonial is bordered by stone walls w/ a private back yard. Open living and dining room feature vaulted ceiling and skylights. The family w/ fireplace is open to the kitchen which boasts a breakfast room and SGD to the spacious trek deck.The Master BR has a walk-in-closet w/organizer & private bath. Enjoy countless hours of outdoor enjoyment in the premium Kayake pool. Hardwood floors, SS appliances, fabulous windows, intricate molding detail and 5 zone lawn sprinkler system are just a few of the quality upgrades throughout. Municipal water and sewer. Taxes w/ STAR reduction =$15,284. Located close to Taconic State Parkway, Route 6, schools and shopping, this home truly meets the needs of today's lifestyle!


If you're planning to purchase a home in the near future, one thing's for sure: You've got your work cut out for you! However, when you finally find the house of your dreams, the time and effort will be more than worth it!

Your to-do list will include calculating how much you can afford to spend on a house, obtaining a pre-qualification letter from a mortgage lender, and eventually comparing loan estimates.

One of the first things home buyers usually need to do before getting too caught up in their real estate search is to check their credit score. Your credit report, which is basically a detailed profile of your credit history, plays a major role in your ability to get approved for a mortgage and obtain favorable interest rates. Consumers are entitled to get a free copy of their credit report once a year from the three major credit reporting companies: Equifax, Experian, and TransUnion.

Before applying for a mortgage, it's highly recommended that you check the accuracy of your credit report. If it contains mistakes, inaccuracies, or obsolete information, that could affect your ability to get a mortgage -- or obtain favorable interest rates and terms. Fortunately, errors can be disputed and corrected by the appropriate credit reporting company.

The Impact of Your Credit Score

The most widely used scoring system to determine a borrower's ability (and willingness) to stay current on loan payments is called a "FICO score." Depending on your credit history and bill paying habits, your FICO score can range from a low of 300 to a high of 850. If you're wondering how your FICO score stacks up against other homebuyers and consumers in the U.S., the median FICO score was recently in the neighborhood of 721 (although that number fluctuates). That means 50% of borrowers are above that score and 50% fall below that mark.

According to the Consumer Financial Protection Bureau, the best mortgage interest rates are generally offered to borrowers who have earned FICO scores in the mid- to high 700s. If your credit score falls between the high 600s and the low 700s, the interest rates available to you may be somewhat higher.

Those who are saddled with a credit rating below the mid 600s may have difficulty getting approved for a mortgage. If you're in that situation, your real estate agent or loan officer may suggest applying for an FHA loan rather that a conventional loan. Although FHA loans can be more expensive, the standards for getting approved are more lenient. These government regulated and insured loans also allow for a more affordable down payment of as little as 3.5 percent, as oppose to the "typical" down payment of between 10 and 15 percent.



This listing recently sold for $615,000.

4 Stephen Lane, Cortlandt Manor, NY 10567  

Residential
$599,900
Price
$615,000
Sale Price
4
Bedrooms
4/2
Full/Half Baths
Cortlandt Estates Beauty! Pride of ownership shines in this meticulously maintained 4 bedroom Colonial home. Fabulous floorplan features an open concept - perfect for entertaining. The kitchen boasts granite countertops, center island, SS appliances and breakfast room w/ SGD to oversized deck. The wood burning fireplace is the focal point of the 2 story family room accented with skylights. Spacious Master bedroom suite w/ large walk-in-closet and full bath. 3 additional family sized bedrooms along with a hall bath complete the second level. The lower level includes an additional family/play room, den, powder room & work shop. A sliding glass door provides access to the private level backyard for endless hours of outdoor enjoyment. Some recent improvements include include roof, freshly painted interior, recently refinished HW floors and more. Located on private 3/4 acre in desirable neighborhood, this home truly meets the needs of today's lifestyle! Taxes do not include STAR-$1,664



This listing was recently rented for $4,500.

10 City Place, White Plains, NY 10601  

Rental
$4,500
Price
$4,500
Rental Price
2
Bedrooms
3/1
Full/Half Baths
Opportunity to rent this beautiful 2 bedroom, 2.5 bath unit featuring 11ft ceilings (9ft. standard). Kitchen features cherry cabinetry, Stainless Steel appliances & granite countertops. The living/dining areas are spacious and sun-drenched boasting a Juliet balcony & fl to ceiling windows that wrap around making it feel like a corner unit. Master bedroom suite w/ spa bath featuring double vanity, marble shower & soaking tub. 2nd bedroom boasts spacious closet & additional en-suite bath. Gorgeous views, hardwood flooring throughout, ample closet space, powder room & private laundry. Luxury amenities include 24 hour concierge, doorman, security & valet parking. Enjoy a variety of indoor & outdoor recreational activities including indoor and outdoor pools, tennis courts, basketball court, putting green, children’s playground, barbecue grills & picnic areas, fitness center, children's playroom, business center, & lounge for private parties. Monthly Rental includes heat, electric and cable!