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How To Hire The Right Architect

Few things are more exciting than building a new home or watching your old one change before your eyes. And the person who will affect the outcome of your project the most is usually the architect. His or her plan will dictate the ultimate appearance and function of the home, as well as the financial costs and emotional toll involved in its construction.
The client-architect relationship is very personal, involving discussions of your habits, your hobbies, your tastes, and even your relationships. So you want the choice to be right. The suggestions that follow will help you analyze the personality, design strategy and communication skills of your candidates. Ultimately, you want to find the architect who’s right for your situation, for your budget and for you.
See the full article at: http://www.houzz.com/ideabooks/22038031/w/sid=1/list/How-to-Hire-the-Right-Architect

Big Changes Due For Mortgage Applications in 2014

872359968_d909047e16_mStarting in 2014, regulations drafted by the Consumer Financial Protection Bureau will change the definition of a qualified mortgage with respect to several of the government agencies that buy most loans from lenders. As a result, many buyers may find themselves unable to meet the new requirements. As of January 10, Fannie Mae and Freddie Mac will not buy non-qualified mortgages. Therefore banks and other lending originators that count on those two government agencies to buy the loans they write will cease to finance clients requiring those types of loans.
A qualified mortgage is defined as one in which the APR is within 150 basis points (1.5 percentage points) of the annual prime offer rate, a loan term cannot exceed 30 years, points and fees cannot exceed 3 percent of the loan balance and there can be no negative amortization or interest-only payments. Under these conditions, the mortgage qualifies for safe harbor, meaning the lender is not at risk of being sued by a borrower who is unable to repay the loan.
There’s also a class of loans called higher-priced qualified mortgages, in which the APR exceeds the 150 basis-point limit, and in those cases, the loan falls under rebuttable presumption, meaning the lender is assumed to have complied with ability-to-pay requirements, unless a borrower or attorney argues otherwise. Loans with rebuttable presumption will likely come at an additional premium, said Cameron Findlay, chief economist at Discover Home Loans, though the price of that premium is unclear at this point.

 

Luxurious New Dobbs Ferry Co-Op, Open House Sun. 1 – 3

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In-Town Living At Its Best! Like a small house, this 1350 sq.ft. Co-Op is ideally situated a mere two blocks from the Metro North commuter train station, two blocks from a major grocery store and one block from village restaurants, shops and boutiques. Completely renovated for sale. With the charming river town village of Dobbs Ferry as it’s backdrop, this wonderful residence offers 3 bedrooms, 2 new baths, a spacious living and dining room and a stunning new kitchen. Only the finest finishes were used in this unit with granite, stainless and polished hardwood floors thru-out. What makes it special and unique though, is the separate entrance at grade with no steps required between your car and front door. There is also a rare, in-unit laundry. This is a great opportunity for no-step living or to get into the famed Dobbs Ferry school system at an almost unheard of price of $349,000. Arrange for your private showing by calling 914-960-3837.
See the full listing at: http://www.randrealty.com/agent/652/Scott-Rosasco/NY/Property/1392482/150-Draper-Ln-G1n-Dobbs-Ferry-NY-10522/

Westchester And Hudson Valley 2012 Summer Events Guide

 

As Summer 2012 is almost upon us, here at the Dobbs Ferry office of Better Homes and Gardens Rand Realty we are pleased to present our 2012 Summer Events Guide. Covering events in most of the Hudson Valley and the Westchester NY area in general, it goes into detail about some of the more interesting things to do, as the days get balmy and the kids get bored. Read the full event guide at: http://www.randcenter.com/downloads/2012_summer_events_guide.pdf

2012 Hudson Valley Spring Events Guide

Hastings-on-Hudson EventsAlthough few would call the past few months here in the Rivertowns of Westchester County NY a real winter of any sort, Better Homes and Gardens Rand Realty of Dobbs Ferry is still delighted to present its annual Spring Events Guide, to inaugurate the almost imperceptible change in seasons. We have brought together over 100 local community events throughout the Hudson Valley. They are organized by region, and then by date, and we have also listed ongoing events in a separate section to make it easier to find great ways to enjoy the coming warmer season. For more continually updated lists of events, go to http://www.randrealty.com and look for our weekly events. For the full PDF see:
https://dobbsferry-rivertowns.com/?page_id=2453&preview=true

A Great Time to Refinance May Soon Fade

Dobbs Ferry Real Estate
Mortgage rates are still at historic lows, but they have started to creep up in the last few months. With most industry observers predicting higher rates in the next year, this might be one of your last chances to refinance your high interest rate loan and save thousands every year. Rand Mortage is also offering a special refinance offer. Call or email dean.curtis@randmortgage.com for more information and to save $1,000 in costs associated with a refinance. The offer code is QMR4-12. The offer expires 4/30/12 at 5 PM. https://secure.web-loans.com/loancenter-apply-default.aspx?bem=&t=2%2f17%2f2012+12%3a12%3a34+PM

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