Somers, North Salem and Katonah real estate and homes for sale in New York - Eugenio Sermoneta, REALTOR® Eugenio Sermoneta REALTOR(r) for Somers, North Salem and Katonah, New York real estate - NUMBER1EXPERT™ Eugenio Sermoneta NUMBER1EXPERT(tm) for Somers, North Salem and Katonah, New York real estate
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Eugenio Sermoneta, REALTORŪ, real estate agent and broker for Somers, North Salem and Katonah New York home listings, property and land for sale - NUMBER1EXPERT(tm)







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"Thank you, again, for all your help in making our exciting new life possible!"
Laura and Frank Hrubi, formerly of Somers NY
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Inspired Real Estate Advice 914-450-5356.
Mortgage Prequalification: Somers, North Salem and Katonah New York home buying, real estate listings, and homes for sale in Westchester County, NY
Welcome > For Buyers > Mortgage Prequalification ...


You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you.

In the pre-qualification process, you will find out:

- Exactly how much home or land you can afford.

- How much cash you will need for the down payment.

- The minimum down payment, and advantages of higher down payments.

- What the bank feels you can afford for a monthly payment.

I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started.

Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Somers, North Salem and Katonah REALTORŪ to offer services such as these.

Once you fill out the form, I will quickly process your information and get right back to you!

About You
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About Your Move
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About Your Home Search
Your Price Range?
Number Of Bedrooms?
Number Of Bathrooms?
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Loan Info
Anticipated Down Payment:
Desired Loan Amount:
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Real Estate Tips
Financing Your Home >Who Pays the Points

When home buyers shop for financing, they must consider two important factors--the interest rate and the points. Each point is equal to one percent of the mortgage amount. If you are selling a home, the buyers may ask you to share the points with them.

The buyer usually pays the points. But if the offer is attractive and will give you the amount you want, paying one or more points might be a good idea. When a contract is presented, your real estate agent will go over the price and terms to help you calculate the net price you will receive. If the offer isn't strong enough or has risky contingencies, you might make a counter offer to increase your profit on the sale by eliminating the points from your selling costs or by increasing the price to help you absorb additional costs you will pay.

In some cases, buyers with limited cash may need some assistance from the sellers to make the transaction work. Your real estate agent will help you look at the total picture and the buyer's overall qualifications, so that you can make a decision based on the bottom line.

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Eugenio Sermoneta, REALTORŪ, real estate agent and broker for Somers, North Salem and Katonah New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Eugenio "Gino" Sermoneta, ABR, GRI
Coldwell Banker Previews International

165 Katonah Avenue
Katonah, NY. 10536
Cellular #: 914-450-5356
Voice mail #: 914-232-7120 ext. 152
Office #: 914-232-7120 ext 152
Email: gino.sermoneta@cbmoves.com

Licensed Associate Broker with COLDWELL BANKER PREVIEWS INTERNATIONAL. Member of the National Association of REALTORS NAR. Member of the New York State Association of Realtors NYSAR. Member of the Westchester County Board of Realtors WCBR. Member of the Real Estate Buyers Council REBAC. Graduate of the Realtor Institute GRI. Fluent in French, Spanish, Italian.






Coldwell Banker real estate and homes for sale in Somers, North Salem and Katonah New York

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