Cristina Hungria Homes

Quer chegar primeiro e garantir as melhores oportunidades? Antes da largada, 5 experts do mercado imobiliario norte-americano dao as dicas para compradores e vendedores estrangeiros realizarem os melhores negocios antes da reabertura das fronteiras. Foco: Nova York, Connecticut e Florida. Espaco limitado. Webinar em portugues via ZOOM. E-mail para inscricao: [email protected]... Participe!

An interactive digital art exhibition that has taken the world by storm will open in New York City this summer. Immersive Van Gogh explores the post-Impressionist works of Vincent Van Gogh through massive, moving projections. Created by film producer Massimiliano Siccardi and producer Corey Ross, and with mood-setting music by composer Luca Longobardi, the experience will open at a yet-to-be-announced location in the city on June 10. Immersive Van Gogh is a one-hour show with timed-entry and limited capacity. Face coverings and social distancing will be required. The secret location of the venue will be revealed closer to the exhibition’s opening in June.

Here are three reasons why putting 20% down is a good plan if you can afford it. 1. Your interest rate may be lower. A 20% down payment vs. a 3-5% down payment shows your lender you’re more financially stable and not a large credit risk. The more confident your lender is in your credit score and your ability to pay your loan, the lower the mortgage interest rate they’ll likely be willing to give you.... 2. Your offer will stand out in a competitive market. In a market where many buyers are competing for the same home, sellers like to see offers come in with 20% or larger down payments. You are seen as a stronger buyer with financing that’s more likely to be approved. Therefore, the deal will be more likely to go through. 3. You won’t have to pay Private Mortgage Insurance (PMI) What is PMI? According to Freddie Mac: PMI is an insurance policy that protects the lender if you are unable to pay your mortgage. It’s a monthly fee, rolled into your mortgage payment, that is required for all conforming, conventional loans that have down payments less than 20%. Once you’ve built equity of 20% in your home, you can cancel your PMI and remove that expense from your mortgage payment.

In a new luxury boutique building, in the heart of Williamsburg 3 bedroom full-floor layout, situated on an easy-going tree-lined street. Adored for its bohemian vibe and connectivity to Manhattan, life at 108 Jackson places you in the midst of an amazing array of eats, boutiques, and a dynamic Williamsburg performing arts scene. Enjoy countless recreational activities at McCarren Park, and commuting is easy and convenient being merely minutes from direct access to Manhatt...an via the L train, and near to the G train for cross-town travel, with a Citi Bike terminal less than a minute from the front door. 3 Beds 2 Baths 1,148 ft Listed at $ 1,499,000

1. Figure Out Your Goals Are you buying a personal residence? Is it a house hack that you will rent out fully in a year? Are you buying this property to live in for a few years and then keep as a rental later? It’s important that you know the answers to these questions up frontas well as what your long-term goals and plans are. This will largely define your budget. 2. Speak To a Lender Ideally, your lender will be someone who understands investmentsnot someone who just care...s about the sale. You want to find someone who will be willing to listen to you, understand your goals, and give you a product that works best for you. 3. Find a Great Agent This is similar to finding a great lender. You need to find someone who is going to listen to you and someone who wants to work for you. Make sure they understand your goals and the market. Make sure that they help you understand the process and at least have a general knowledge of the rental side of real estate. (I'm here to help you!) 4. Crunch the Numbers Start looking at properties and run the numbers on every single one individually. Don’t let this get too emotional. 5. Make Offers As soon as you find something that meets your criteria, make an offer. And even if it doesn’t meet your criteria, offer a price that does. The worst the seller can say is no.

1. No down payment This is one of the most valuable and touted benefitsand for good reason. Saving enough for a down payment can be the biggest obstacle to buying a home. But a VA loan eliminates that roadblock. 2. More lenient loan requirements The required credit score for a VA loan can be lower than for a conventional loanaround 620 for a VA loan compared with a range of 650 to 700 for most conventional loans.... In addition, the required debt-to-income ratio for VA loans is often more flexible than for conventional mortgages. 3. No mortgage insurance Most conventional buyers have to pay private mortgage insurance if they put less than 20% down. FHA loans come with their own forms of mortgage insurance. But a VA loan waives that insurance requirement. 4. Limited closing costs Legally, veterans are allowed to pay for certain closing costs, which include the following: Appraisal Credit report Origination fee Recording fee Survey Title insurance But there are some fees that veterans are not allowed to pay. And the VA allows lenders to charge no more than 1% to cover the costs of originating and underwriting the loan.

Landlord-tenant law isn’t always perfectly clear about who is responsible for specific tasks. And that’s certainly true in the case of ice and snow removal in NYC. According to one local landlord-tenant lawyer, the final word on tasks like shoveling snow is the landlord-tenant lease agreement. In certain settings, says attorney Steven Smollens, a tenant may become the responsible party for maintaining the sidewalk. The lease should state this responsibility. NYC’s sanitat...ion rules and regulations outline who is responsible for maintaining the sidewalks in front of buildings. They’re published by the New York City Department of Sanitation. The regulation states, Every owner, lessee, tenant, occupant, or other person having charge of any lot or building must clean snow and ice from the sidewalks adjacent to their properties. Whomever is named responsible in the lease agreement should clear sidewalks of snow and ice without delay if at all possible. If ice is too hard to remove, you can sprinkle sand or rock salt on top to make it safer to walk on. Source: Streeteasy.com

There comes a time in renters' lives when they ask the age-old question: Should I become a homeowner? Obviously, finances have a lot to do with the decision whether to rent vs. buy. But there's more to it than just credit ratings and cash reserveshomeownership is a lifestyle change that you have to be willing to take on. Here are a few pointers that will help you assess whether you're ready to become the master of your own domain. You're ready for home maintenance and upkeep... As a renter, you’re used to putting in a service request to your property manager or calling the maintenance supervisor to come fix the dishwasher when it breaks down. But owning a home means you're now responsible for making repairsor hiring and paying someone to take care of them. You're ready to settle down and stay put Many of us test-drive a few different cities before landing on a place where we'd like to put down roots. If you've found an area where you'd like to live for a significant period of time, homeownership is a worthy consideration. You want more privacy and control over your living space Sick of your landlord coming into your apartment, or hearing your neighbors arguing, loud music blasting, or footsteps tramping up and down the stairs? Homeownership can give you the privacy and peace that you crave. Source: Realtor.com

If you were hoping to take advantage of historic low mortgage rates to buy in New York City, you need to get it in gear. While mortgage rates are currently near record lows, they are not expected to stay near bargain-basement levels for more than a few months. The Federal Reserve has been buying mortgage-backed bonds for months, keeping rates artificially low as sort of an economic stimulus. When the economy recovers, that will end and rates will go up but not a dramatic surg...e, according to CNBC. Fixed-mortgages (15-year and 30-year conventional loans) track with Treasury noteswhen they’re low, home loans are lowand the 10-year Treasury note hit an all-time low of .54 percent in March 2020. But it breached 1 percent a couple of weeks ago and is now trading around 1.10 percent. As a result, mortgage rates have gone up on average from .125 to .25 percent, Cohen explains. One prediction is for the average rate on the 30-year fixed mortgage to reach the mid-3 percent range, up from the current 2.9 percent after seeing 2.76 percent in December, a record low.

If you’re planning to buy a home, an appraisal is an important step in the process. It’s a professional evaluation of the market value of the home you’d like to buy. It’s also a different step in the process from a home inspection, which assesses the condition of the home before you finalize the transaction. When you apply for a mortgage, an unbiased appraisal (which is required by the lender) is the best way to confirm the value of the home based on the sale price. Regardle...ss of what you’re willing to pay for a house, if you’ll be using a mortgage to fund your purchase, the appraisal will help make sure the bank doesn’t loan you more than what the home is worth. The home inspection is a way to determine the current state, safety, and condition of the home before you finalize the sale. If anything is questionable in the inspection process like the age of the roof, the state of the HVAC system, or just about anything else you as a buyer have the option to discuss and negotiate any potential issues or repairs with the seller before the transaction is final. Source: keeping urgent matters.com

150 NASSAU STREET, #3H 1 Beds 1 Baths 758 ft2 Beautifully decorated turn-key condominium with 11 foot ceilings and oversized triple exposure windows (North, East and South) that make this a surprisingly bright and peaceful apartment. The modern open kitchen features chef grade appliances (Sub-Zero, Miele) and black granite countertops as well as ample custom walnut cabinets that continue to the ceiling. The walnut cabinetry is repeated in the marble bathroom. Throughout t...he apartment the stained French oak floors offer a great canvas for the bright decoration, fixtures and furniture pieces amongst which are Harlequin wallpaper, a Segovia Chandelier, custom Philippe Starck drapes and signature furniture pieces from Mobili De Angelis. The American Tract Society Building is a 1896 limestone Beaux-Arts Building and is known for its outstanding architectural details. Converted in 2002, the building has 23 floors and 125 units and is full-service with a stunning lobby, 24 hour doorman, a parking garage, a gym and a wonderful roof deck with 270' views of Downtown Manhattan. Listed at $ 888,000

The word maisonette simply means little house in French. Webster’s defines it as a small house or an apartment often on two floors. But in New York City real estate, the definition is a little different. Here, a little house is just that a little house. But a maisonette is not a house. It’s an apartment within a larger structure. The term usually refers to a ground floor apartment with its own private, street-level entrance. Some may have private access from the lob...by, as opposed to from the street. In addition, NYC maisonettes typically consist of both the ground floor and second level. They’re duplexes. But the defining characteristic is the private entrance, giving it a sense of exclusivity. And though a multi-floored maisonette could feel like a townhouse, it’s not. Townhouses are individual structures not part of a larger configuration. If you’re wondering where in the city you might find one of these magical apartments, you’re not alone. They’re relatively rare! But they’re most likely to be located in prewar buildings in neighborhoods like the Upper West and Upper East sides. Source: Streeteasy.com