Rockland County Real Estate

Search for Homes and Properties in Rockland County For Your Convenience. Listed Below Arethe Most Searched Areas from our Visitors in the Pastincluding homes, co-ops, condos and townhouses for sale all over the Hudson Valley (mls).

W E L C O M E to “one click” browsing. For Your Convenience ~ Listed Below Are the Most Searched Areas from our Visitors in the Past

Location	Property Type
Blauvelt	Condos/Townhouses & Single Family Houses
Congers	Condos/Townhouses & Single Family Houses
Nanuet	Condos/Townhouses & Single Family Houses
New City	Condos/Townhouses & Single Family Houses
Orangeburg	Condos/Townhouses & Single Family Houses
Pearl River	Condos/Townhouses & Single Family Houses
	Land/Rentals/Commercial/Investment

FICO SCORES vs. CREDIT SCORES
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Online Calculators

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Five Clicks to find any K-12 public school in America!

A Wonderful Resource for Rockland County NY Home Buyers & Sellers.

Information about SchoolTree.org offers listings for over 130,000 public schools, charter schools, private schools, and school districts for anyone to search for free!

To get started, click on the image above; go to the homepage and click any state you wish to search. From there click on a county then a city then a school.

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Please Click on the Graphic Below: Suze Orman’s site contains some wonderful information for you on Home Ownership. .

Home Ownership in Rockland County NY

• What has changed since Our Last Real Estate Special?
• General Information On Home Ownership
• Finding A Home
• Home Improvement
• Finding A Brand-New Home Or Builder
• Finding A Buyer’s Agent
• Getting A Competitive Market Analysis For Your Home
• Finding A Mortgage
• Comparing Mortgage Rates
• Title
• Reverse Mortgages
• Federal Housing Administration
• Home Loans For Veterans
• Online Calculators
• Pay Off Your Mortgage Early

What is the difference between pre-qualifying and pre-approval?

A pre-qualification is normally issued by a loan officer, who, after interviewing you, determines the dollar value of a loan you can be approved for. No credit checks are done, no employment history taken, nothing is submitted to an underwriter. However, loan officers do not make the final approval, so a pre-qualification is not a commitment to lend. After the loan officer determines that you pre-qualify, he/she then issues you a pre-qualification letter. In times past, before houses were selling very quickly (between 1997-2005) we used pre-qualification letters. However during the peak seller’s market pre-approvals (explained in the next paragraph) became the standard in the Greater Hudson Valley Region.

It is important to note that in truth anyone can be “pre-qualified”. Your realtor can do it for you, they simply have to know the lending guidelines.

The better course of action if you are a serious buyer is to utilize the Pre-Approval Letter. This can only be secured through a lender. Given the buyers market we have now, the pre-approval letter is still all-important. Everyone has heard of the high foreclosure rates, short sales and, frankly, all of us are suffering at the gas pump. This makes a pre-approval letter an absolute must in these times.

First: no self respecting (and sane) agent should put any prospective buyer in their car unless they are fairly certain they are ready, willing and ABLE to purchase. And no self-respecting prospective buyer should expect any realtor to act as a taxi driver.

It is also important to use a LOCAL LENDER, and preferably a senior officer and one with whom the agency has had successful dealings in the past. I will add to this post later elaborating more on that, but suffice it to say that it is very very key to a successful transaction.

Pre-approval is a step above pre-qualification. Pre-approval involves verifying your credit, down payment, employment history, etc. Your loan application is submitted to an underwriter and a decision is made regarding your loan application. If your loan is pre-approved, you are then issued a pre-approval certificate. Getting your loan pre-approved allows you to close very quickly when you do find a house. A pre-approval may help you negotiate a better price and/or terms with the seller, because they know that the buyer is serious enough to have answered the hard questions with a lender. Often having a pre-approval at the ready can give you a leg-up if you are up against another buyer who did not come to the table so well prepared.