Hello Sarah, I lived in bellerose for the past 6 years. Bellerose is a great town to move in. Bellerose is divided in two parts Bellerose Village and Bellerose. You will have to consider the property taxes of your future home; Bellerose Village is part of Nassau County meaning that the property taxes a higher than Bellerose, which is part of Queens with lower proper taxes. Actually they are 5 capes houses with 4 bedrooms available in the market ranging from $524,999 to $629,000, and Bellerose has pretty good school district if you have kids. Also as a buyer, you will need a help of a qualify Real Estate Agent, who is willing to listen to your needs and guide you in this beautiful journey of looking for you future home. If you have more questions call me at 516-410-5711 and also you can emailed me at wndorval@gmail.com.... more
I just need a few seconds to sit with you and discuses a plan that will work for both of us. Please just give me a call as soon as you can.
Fajardo Delacruz
Licensed Real Estate Agent
Century Homes Realty Group
Direct Line: 347-932-0609... more
The choice is entirely yours; see link regsrding NYS agency disclosure that may help you decide.
http://www.dos.ny.gov/forms/licensing/1736-a.pdf To consider, would you be more comfortable working with an agent that you have an established relationship with, or working with an agent with no established relationship...... more
To get an idea of available properties and list pricing, check out www.mlsli.com Be aware that a mortgage pre-approval letter is required in order to determine your price range and for any offers to be taken seriously.... more
It is not uncommon for closing table adjustments. However, there are a lot of variables, laws, and circumstances that come into play. The biggest are the RESPA laws which as of a year ago greatly limited these kind of adjustments at closing. And, your lender may not allow an adjustment of that nature at the closing table also. Talk to your Realtor, Lender, and Atorney and see if between them all they can put together a strategy that might legally and ethically get you something.
Hope that helps.... more
Hi Skat28,
There are a couple of possible reasons.
1) The lender under disclosed on the first GFE.
2) The lender missed a transfer tax or something similar on the fist estimate.
3) There was an increase in taxes from the first to the second.
The best thing to do is ask your lender or get a second opinion from another lender.... more
To Mr. Silverberg: I was well aware of all of these charges including the upfront mortgage insurance premium for FHA loan. I just wanted to confirm these fees with Professionals like yourself and others on Trulia to make sure these are all legitimate fees. There have been a lot of fraudalent cases in the Queens area. There have been mortgage brokers who have added unnecessary closing fees to buyers. I don't expect such behavior from a bank, but as a buyer I think it is important to be well informed about all facets of the home buying process. I hope you would probably agree with this.... more