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Home Buyers... Please Study This Page In Detail... Scroll Down, Explore...



#1 Buying Tip



When you really like an over priced home (or any property for that matter) don't be afraid to make an offer... the asking price is just a starting point... and so is your offer! But without a starting offer you cannot expect to begin negotiations... and if approached with a sound negotiating tactic even an over priced home may quickly become a bargain.

Please bookmark and explore the entire page for more essential tips, helpful resources and nifty tools for home buyers... and CLICK HERE for more tips...


For Buyers - Information, Resources & Reports







Buyer's Agent - Phyllis Lerner, Realtor - Westchester County, NY



Congratulations!  You have decided to purchase a home, or are thinking about buying one.  You'll be joining the ranks of hundreds of families who realize that home ownership offers a number of benefits including building equity, saving for the future, and creating an environment for your family.  When you own your own home, your hard-earned dollars contribute to your mortgage.  The equity you earn is yours.  Over time, your home will increase in value.

As Your Buyer's Agent, I Will

  • Establish a search profile based on your needs and wants for a new home.
  • Explain the NYS home buying process in detail.
  • Assure that you see all the properties in Westchester County that meet your criteria.  
  • Obtain and present all facts and information regarding the properties which interest you.
  • Supply you with comparables, as well as other current and relevant real estate market data to enable you to make educated choices and decisions.
  • Guide you through the entire home buying process, from finding homes to look at, to getting the best financing, and finally assist you and your attorney during closing.
  • Make sure you don't pay too much for your new home and help you avoid costly mistakes.
  • Assist you with and advise you regarding all negotiations.
  • Help you with creating and submitting winning offers.
  • Find and/or suggest sensible solutions for problems which may arise during the process.
  • Create all needed memorandums, process, submit and file all necessary paperwork in a timely manner.
  • Provide you with information on home inspection procedures and services.
  • Introduce you to value added products such as a Home Warranty.
  • Answer all of your questions about the local market area, including schools, neighborhoods, the local economy, and more.
  • Supply you with moving and local utility check lists and tips.

Hiring me as your "Buyer's Agent" may save you time and money. Please do not hesitate to contact me if you have any questions or concerns regarding buying a home in Westchester County. I am here to help.  You can also explore the NY Home Buying Process in more detail by clicking this link.

In the following reports, you'll find the information you need to make a wise buying decision.  I'll take you through the planning process step-by-step, to help you determine which home is right for you.  You'll find a host of informative articles on mortgages, viewing homes, the offer, closing details and moving.

Below, select desired reports and complete the form provided.

 

Buying Your First Home
More and more renters are starting to think about purchasing a home of their own since mortgage rates and home prices are at historical lows. This article highlights several factors that should be considered when purchasing any type of real estate.
The Right Home at the Right Price
This article helps you become a savvy real estate buyer by pointing out some of the possible pitfalls inherent in the home-buying process, and especially if it comes to price negotiations.
Avoid Common Buyer Errors
Some buyers, however, caught up in the excitement of buying a new home tend to overlook some items. When you have a systematic plan before you shop, you’ll be sure to avoid these costly errors. Here are some tips on making the most of your home purchase.
But Do You Need It
Buying your next home can be an emotional, stressful, time-consuming and complex process if you do not plan ahead. There are a number of simple but essential things that you can do to help make the process go as smooth as possible.
Buyer Traps To Avoid
Through this free, no obligation report for home buyers you'll learn about the nine biggest buyer traps and how to avoid them for good.
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Real Estate Related Service Providers



Please CLICK HERE to access my list of real estate related professionals and service providers. You'll find here time tested individuals and companies providing a wide range of support services such as real estate attorneys, real estate tax grievance specialists, title companies, mortgage officers, lenders, home insurance agents, home inspectors, home improvements companies, electricians, plumbers, handymen, locksmiths, movers, landscapers, pest control firms, and many others.

GO TO LIST NOW

REAL ESTATE IN DEPTH



The Latest Federal, State & Local Mortgage Programs


 
 

American Recovery and Reinvestment Act of 2009           Freddie Mac Mortgage Programs            Ginnie Mae Mortgage Programs

 

New York State Mortgage Programs        Federal Housing Authority Mortgage Programs          

Buy & Renovate your Home with a 203K FHA Mortgage     Westchester Residential Opportunities Inc.

     Official Federal Government Web Site 

                                                           


Click on any of the icons / graphics above to learn more about these programs...
 

 

 Approved Credit Counseling Services
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Obtain your Free Annual Credit Report here!

Click on above banner to obtain your credit report... absolutely free...

 


Contact Me With Your Questions - Today!



Whether you are planning to buy your first home, want to rent an apartment, or sell your existing home, contact me today with your questions. I am here to help you!

 

To:  Phyllis Lerner
Subject: 

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Our Buyer Fans


"My wife and I cannot express how thankful we are to Phyllis for finding us the HOME OF OUR DREAMS in Tarrytown, NY. We have moved ourselves and relocated with corporations over ten times across the country and we can attest that Phyllis is undeniably the best agent we have partnered with in so many ways. She is very patient and attentive. Phyllis worked for us for over one year to help us find our home and she consistently sent us listings that matched our needs. She is amazingly responsive and more often than not would pick-up phone calls right away or call back within 15 minutes... she made us feel as if we were her only customers! Phyllis went out out of her way to accommodate our busy corporate schedules. She met with us in the evening, weekends and even during the holidays. The most important quality Phyllis possesses that is so important in an agent is her high level of integrity and trust. We never felt pressured to place a bid on a home. She always balanced the pros versus the cons and provided us with an objective and unbiased assessment of each home we viewed with her. Even after we closed on our dream home, we continued to do business with her as she was successful and timely in renting our condo. Phyllis you are absolutely the BEST real estate agent and we thank you for all that you have done for us over the past few years." John & KumRae Lee

See more testimonials

 

 


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Service Providers



Please click on the icons below to locate and research service providers of all types. These links are provided by us as a courtesy to our site visitors, and we are not affiliated with any of them. Please understand that we are not responsible for representations made by such.

PHYLLIS' LIST
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Home Buyer
Warranty Program



When you’re buying a home, it is the smart and cost effective thing to do: protect your largest investment with a Home Warranty.

Buy any home with confidence knowing it is covered by valuable home warranty protection. The warranty will help protect you from the unexpected, high costs of repairs or replacements to the major systems and appliances in the home. When a covered system or appliance breaks down, you simply contact your Home Warranty provider who will arrange for the prompt repair or replacement of such.

This little known and understood coverage can save you hundreds if not thousands of dollars! Click on the warranty logo below to learn more...

Learn More About Home Warranties


Agency Rules



Buyer's Agency
Definition

A real estate agent employed to work in the best interests of a buyer in a real estate transaction. The agent's loyalties are with the buyer. It is the agent's duty to share any information about the property or sellers that may help the buyer make decisions regarding the transaction.

Agent status must be disclosed to all parties.

Dual Agency
Definition

Dual agency occurs when a real estate agent is representing both buyer and seller in the same transaction. Since the agent has promised a duty of confidentiality, loyalty and full disclosure to both parties simultaneously, it is necessary to limit the agent's duties in this situation. Both buyer and seller must consent to this arrangement in writing.

If you find yourself involved in a dual agency relationship, make sure that you completely understand the dual agency definition as it is applicable to you.

New York State
Agency Disclosure

Click To Open Document

 

The Realtors Code Of Ethics

 


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