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"Terra is a pleasure to work with..."
She is careful with her handling of all communications and transactions and keeps the process moving along smoothly.
-SL, New Rochelle
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Sandy Constabile and Terra Corning are some of The Top Selling Real Estate Experts™
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First Time Homebuyers: Larchmont, Mamaroneck, and New Rochelle New York home buying, real estate listings, and homes for sale in Westchester County, NY

Welcome > For Buyers > First Time Homebuyers ...

Buying Your First Home? Realtors Are Your Professional Guides. Make Sure You Choose a Top Expert.

You might be a bit afraid or intimidated by the whole process of buying your first home. As a top Larchmont, Mamaroneck, and New Rochelle real estate expert, it's my job to guide you, from beginning to end.

I will take the time to go through each and every step of the buying process. There are no dumb questions!

Together, we will consider:

- How much can you really afford?

- How to qualify for a mortgage.

- How much cash you should put down.

- How to buy a home with little or nothing down.

- What it takes to get approved for financing. What banks and other financial institutions are looking for.

- How much your payments will be.

- The tax advantages of buying.

- Is renting or buying better for you?

Tell me a bit about your situation below. I'll get right back to you. There is absolutely no charge, and I offer this to you with no strings attached. Please fill out the form below...

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	About Your Move
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Accepting An Offer >Clean Offers

You have found a house that makes your heart skip a beat--it is in the right location and has all the amenities you want. The price is the only thing that is keeping you from making an offer, because you feel that it is more than you can afford. How can you maximize the possibility that the owners will accept an offer that is much lower than their asking price?

The first thing you should do is to make the offer as "clean" as possible by not asking for special contingencies. Avoid making demands on the sellers for minor repairs, such as cutting down the dead tree in the back yard or leaving custom drapes. Be as flexible as possible about scheduling the move-in date to accommodate the seller's plans. Finally, you can offer a larger-than-usual deposit to persuade the sellers that you are a serious buyer and to make it harder for them to "just say no". Each situation is different, but the "cleaner" the offer, the more likely the sellers are to accept it.

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Q	What does the term ARM stand for?
A	An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market.
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Sandy Constabile and Terra Corning, REALTOR�, real estate agents and broker for Larchmont, Mamaroneck, and New Rochelle New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Sandy Constabile and Terra Corning
Coldwell Banker Residential Brokerage
140 Larchmont Avenue
Larchmont, NY. 10538
Sandy Cell Phone: 914 589-4806
Terra Cell Phone: 914.671.5755
Sandy email: Info@SandyandTerraHomeSource.com
Terra email: Terra.Corning@coldwellbankermoves.com
We are award winning realtors and we love what we do! We are both very involved in our community and the local schools. Terra is from upstate New York and currently lives in New Rochelle. With two young daughters, Terra is just beginning the New Rochelle school system. Sandy relocated from Indiana and Connecticut and has lived in Larchmont for many years raising her five children in various local and regional schools. Our partnership works well for our webclients as one of us is always available to service their needs and we have wonderful team members who also work with our clients when appropriate!

www.sandychomes.com is brought to you by Sandy Constabile and Terra Corning,
NUMBER1EXPERTS™ in real estate for Larchmont, Mamaroneck, and New Rochelle, New York

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