How to Boost Your Property’s Curb Appeal to the Best it Can Be

July 30th, 2020

COVID-19 and social distancing has changed the way we shop for homes. According to Realtor.com, homebuyers find the ability to take a virtual tour of a home helpful. And that means boosting your property’s curb appeal is a high-priority item on your to-do list.

Property's curb appeal
Your property’s curb appeal creates a make-or-break first impression in only eight seconds.

Why Your Property’s Curb Appeal is Important

Your property’s curb appeal is more important than ever now. And you have only eight seconds to beckon a second look or turn them off completely from the moment they lay eyes on your home.

Because of the coronavirus, homebuyers research and shop for houses online even more than they have in the past. They’re looking for plenty of high-quality photos of listings. They want to see a home’s interior and exterior and lots of both. They’re placing a lot more weight on photos of the exterior since they are limited to fewer in-person tours.

By the way, this makes walkthroughs of your property via video chat with an agent or thorough pre-recorded video available with your listing a great idea, too.

6 Ways to Make Homebuyers Eager to See What’s Inside Your Home

Investing in your property‘s curb appeal helps it sell faster and for more money, just as staging your home does. And you don’t need to spend thousands of dollars to create a great first impression either. Here are six of the best upgrades you can do for $100 or less:

1. Pay Attention to Your Driveway and/or Walkways

Your driveway and/or walkway lead the buyer’s eye toward your home’s front door and to the inside of your home.

  • Get rid of weeds
  • Patch minor cracks in the concrete with caulk
  • Hose down the driveway and/or walkway before photos, video, or in-person tours
  • Finish your concrete driveway and/or walkway with a clear, glossy sealer

2. Fix Up the Garage

The garage plays a big role in your property’s curb appeal, especially when it’s attached to your home.

  • Paint the garage doors the same color as your home’s trim
  • Add a garage door with a row of windows or swap out existing panels and add glass inserts
  • Stage the inside of your garage

3. Paint the Front Door

Front door curb appeal

Peeling paint, rusty hardware, and scuff marks are a big turn off, especially on the front door. But a fresh coat of paint immediately adds life to your home and catches the attention of onlookers. Show homebuyers that your house is loved and cared for.

  • Paint the front door with eye-catching color, such as red, yellow, or blue
  • Replace old hardware with updated doorknobs and hinges
  • Add a door with glass inserts to create a welcoming feeling

4. Keep Your Yard Green and Groomed

Your lawn, if you have one, is one of the first things a homebuyer sees when shopping online. And landscaping that is well-groomed creates a great first impression.

  • Mow the grass
  • Water the grass to keep it green
  • Prune shrubs
  • Weed flower beds and add fresh mulch

5. Turn On the Charm with Exterior Lighting

Create a warm, unified ambiance with nighttime lighting for your home. 

  • Add 60-watt LED bulbs with a warm tone to each side of your front door
  • Make sure all exterior lighting matches, on the house and on the garage

6. Make Your Front Porch More Welcoming

Give your property’s curb appeal a boost beyond just the front door. Replace your outdoor accents for an even greater first impression.

  • Add an attractive doormat
  • Replace your house numbers
  • Buy a new mailbox
  • Plant colorful annuals in pots and place them around your front porch
  • Clean windows
  • Sweep cobwebs

Look at Your Home From the Homebuyer’s Point of View

As more buyers shop for homes from a distance, paying close attention to the exterior of your listing is key. Look at your home through the eyes of the prospective homebuyer and provide plenty of great photos.

Remember, your property’s curb appeal has eight seconds to create a great first impression. Make it great, and they’ll eagerly walk through the rest of your home online.

Contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate. With over 30 plus years as a Brooklyn real estate agent and broker, I can help you navigate the selling process even during these challenging times.

Our office is completely shut down and committed to your safety during the COVID-19 health crisis in compliance with the State of New York public health policies. I can be reached by phone at (718) 253-9600 ext. 1901 or by email at [email protected].


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 1901


10 Easy Steps to Follow When You Decide to Sell Your Home

July 15th, 2020

Selling a home isn’t something we typically do very often. So when the time comes, and for whatever reason, you decide to sell your home, you may not know where to start. Here are ten easy steps to follow when you do make that decision to put your home up for sale.

Decide to sell your home
Follow these 10 steps when you decide to sell your home.

Our present circumstances call for better planning and preparation a little more than usual. But this checklist will help guide you in the planning and preparation from beginning to “SOLD.”

When You Decide to Sell Your Home, Hire a Real Estate Agent Right Away

When you decide to sell your home, it’s time to start interviewing real estate agents to handle your listing. I always recommend asking friends and family for recommendations. But it’s also a good idea to research agent reviews while checking out their credentials.

Once you find someone you’re confident will do a great job for you, you will sign a listing agreement. Your agent will work on a plan of action with you and discuss improvements that may be needed as well as remodeling work they believe will pay off.

Your Agent will Help You Select a Date

Opinions on the best times to sell a home are many, and they are varied. And sometimes those opinions don’t even really matter. For example, you retire from your current job in August and find a new place to work in a smaller, slower-paced town in October. Then you start working the new job the first week of December.

In this scenario, the sellers knew they would be moving because retirement would require a smaller, more affordable home. So they started packing and researching agents in August.

They found a great listing agent. And with their help, the sellers selected April 1st as the date to put their home on the market.

Research Your Local Market and Determine a Target Price

Again, a great listing agent will present you with “comps” when you hire them. What are comps? They are comparable properties in the neighborhood or surrounding area where you live. Comparing properties similar to yours that have sold or that are listed near you helps you better establish an asking price confidently.

But there’s nothing wrong with visiting a few open houses, too. This kind of “research” helps you see what’s for sale near you. And it gives you ideas for staging your home.

Prepare Your Home to Sell

Next, your agent will discuss needed improvements and updates as well as remodeling work they believe will pay off.

Allow your agent to be brutally honest with you. Voice your concerns and ideas with your agent. But trust their expertise and experience. They will let you know what to paint, clean, repair, and update or remodel.

An extensive kitchen remodel may not pay off. But replacing worn out old carpet with trending flooring might just do the trick. Oh, and that avocado green dishwasher? Yeah. Replace it with a white or stainless steel dishwasher. And fix anything that is broken or not working.

Now, start painting interior walls with a neutral color. If washing walls is all that is needed, start washing. Update or repair anything that will turn off buyers.

Start Moving Out Four Weeks Prior to Listing

Packing to move

Really. Get a storage pod or unit and start loading boxes you’ve packed into it a little at a time. This helps prepare you for the upcoming move and your house for proper staging. Remember, a well-staged home sells faster! Pack personal items and extra mixing bowls, pitchers, containers, furniture you can live without.

Because the sellers began working in a new town, they rented a storage unit there. Each morning they packed the pickup with whatever was packed the day before and unloaded it into the unit. They started moving out in December and had almost everything moved out by April 1st.

Know Your Financials and Keep Cleaning and Decluttering Two to Three Weeks Before Listing

You need to know your financials. If you need help with this and your agent hasn’t already let you know that this information is needed, ask them for help. They’ll tell you where to go and what information you need to gather from whom.

  • Get your loan payout information for your mortgage
  • Know how much you owe so you can figure out what your sales proceeds will be
  • Clear up liens on the property if there are any

And keep cleaning, decluttering, and packing. You want your home to look as much like a model home as possible. And a good agent will provide the services of a home stager and professional photographer to market your home well.

  • Pack personal items
  • Make sure furniture makes sense for the space
  • Keep painting and/or cleaning

One Week Before Listing, It’s Time to Market Your House

It’s time for your home’s glamour shots! Follow the home stager’s advice before picture day. You want your home’s glamour shots looking so good, they’ll make you have second thoughts about moving.

Your agent will create an engaging, accurate, and appealing description of your home. What made you fall in love with your home when you bought it? Share that in the description.

Listing your home

The Big Day – Listing Day!

Make sure your agent puts the “FOR SALE” sign up in your yard and stocks the flyer box with flyers. Your house should be listed on all the major online real estate sites, too.

Keep It Clean Until There’s a Contract

Until the house is actually SOLD, you must live keep it clean. Keep counters and other flat services free of clutter and put everything put away. Wash, dry, and put away whatever you use at meal time.

The sellers sold their home in just two short weeks, but they had being “on the ready” for a walkthroughs down to a science. They were ready to walk out the door even when a buyer’s agent requested to drop by “in a few minutes.”

Dishes were done. Bathrooms were clean. And everything was wiped down. Floors were swept. Carpets were vacuumed. And a checklist was placed in a laundry basket by the front door. Here are some of the items in the basket:

  • Garbage bags to remind them to take out all the trashes
  • Decorator towels for each bathroom, folded and ready to be hung.
  • Same for the kitchen
  • Clean throw for the overstuffed chair
  • Purse and keys
  • Coupons and snacks to eat while they were out of the house
  • Grocery and errands lists to conquer while they were gone, too

And they never forgot to take the dog with them.

Get Excited About How Quickly the Offers Come In


Your agent will receive feedback following each showing. And the sooner you sell, the higher the price you’ll receive for your house. So if you’re not seeing a steady flow of offers or interest, consider adjusting the price.

Celebrate the Sale!

When you decide to sell your house, there is a lot to do before you list it. But when you follow the plan laid out to you by your listing agent and consider their suggestions, the end result is a SOLD sign soon after it lists.

Before you decide to sell your home, contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate. With over 30 plus years as a Brooklyn real estate agent and broker, I can help you navigate the selling process from list to close.

Our office is completely shut down and committed to your safety during the COVID-19 health crisis in compliance with the State of New York public health policies. I can be reached by phone at (718) 253-9600 ext. 1901 or by email at [email protected].


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 1901


How Much Money Will You See From the Sale of Your Home?

June 30th, 2020

Big question, “How much money will you actually see from the sale of your home?” It’s one of the first questions sellers ask when they put their home on the market. But there are a lot of factors that come into play when calculating your home sales profits. And sellers are often blindsided by the closing costs.

Home sales profits
Home seller, do you want to know how much money you’ll see from the sale of your home? Of course, you do!

What are Closing Costs?

In New York, real estate closings are very technical procedures. And when you close on a property, it involves costs.

Closing costs are fees paid by the buyer and the seller when the title of the property is transferred from the seller to the buyer at the close of a real estate transaction. And they are separate from your agents’ commissions.

Buyers pay for more at closing than the seller does. But it’s usually the seller’s responsibility to cover both agents’ commissions. And real estate agent commissions run between 4 to 6 percent of the purchase price.

As the seller, your closing costs are subtracted from the profit you make on the home.

What Fees are Deducted from the Sale of Your Home?

According to Mosheslaw.com, the closing costs you can expect to be deducted from the sale of your home at closing can include:

  • Fees the lender charges you to process and finalize your loan
  • Appraisal fees
  • Inspection fees
  • Credit search fees
  • Title search fees
  • Real estate attorney fees for closing
  • Transfer taxes
  • Prepaid property taxes
  • Prepaid interest
  • Homeowner’s insurance

These costs vary by lender. They also vary depending on what type of property you are purchasing – a house, co-op, or condo. And they equal about six to ten percent of the sale price of your home.

Transfer taxes are a major fee that you as the seller will pay. In New York, transfer taxes depend on the type of property you’re selling. But you can plan on paying 1 percent of the sale price for a residential property selling for $500,000 or less. If the sale price is $500,000 or more, you can expect to pay a transfer tax of 1.425 percent. The State of New York charges the seller $4 for every $1,000 of the sale price.

You should also be aware that as the seller, you may incur a Capital Gain tax when taxes come due at the end of the tax year.

Estimating closing costs

 Mosheslaw.com offers a free consultation for closing costs for sellers in New York.

What are the Average Closing Costs for Sellers in New York?

Closing costs for sellers in New York are slightly higher than costs for buyers. They range from 8 to 10 percent for sellers. It’s crucial to have an experienced real estate attorney with you throughout the entire real estate transaction, but especially during closing. Why? Because simple mistakes made during the property sale negotiation or when the paperwork is being filled out could cost you thousands of dollars. And an attorney who doesn’t practice real estate law, much of the real estate transaction process will be foreign to them. Thus, it is extremely important that you hire an experienced real estate lawyer.

As a seller in New York, you can expect to pay the following closing costs:

  • Attorney’s fees vary depending on the time they spend preparing documents and giving advice
  • County clerks charge $30 to $100 for recording fees
  • Transfer Tax in New York is about 1.825 percent of the sale price
  • Mortgage contracts provide for the repayment of the outstanding mortgage. Buyers won’t take usually take a property unless the mortgage for the property is paid off before closing. This cost depends on the amount of the remaining mortgage, so this amount is impossible to estimate.
  • Your real estate broker’s commission is 5 to 6 percent of the sale price

What You can Expect Before and at Closing

Before closing, a lender is required to list all closing costs in detail on an initial loan estimate when you apply for the loan. And they must update their closing costs estimate a few days before you and the buyer close. These updated closing costs must be disclosed on the Closing Disclosure. This allows you to know what your closing costs will be and allow you to be prepared for them before closing actually takes place.

Closing usually occurs between 60 and 90 days after the contract is signed. After the contract is signed, the buyer sends your attorney a down payment. Down payments in the State of New York average around 10 percent of the purchase price. And the down payment is held in an escrow account.

If the buyer walks away from the contract before closing day, they risk losing their down payment without a justified reason, aka a mortgage contingency clause.

In preparation for closing, your real estate attorney will:

1. Order a title report to determine if there are unsatisfied liens or property violations for you to resolve before closing

2. Complete paperwork requested by the lender and deliver the documentation required

3. Help the buyer calculate the amount owed to you at closing

4. Determine how much you will owe to lenders, the title company, and third-parties (co-op boards for example) who are involved in your real estate transaction

5. Represent you making sure the deed, transfer tax returns, and mortgage documents are in order, and that they state what you agreed to previously

At closing, you will pay your real estate attorney and other closing costs.

Assisting You in the Sale of Your Home in New York

There are a lot of additional requirements and local real estate transaction customs in New York City. Again, an experienced real estate attorney will walk you through your real estate transaction making sure everything is correct and without issues.

If you are considering the sale of your home, contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate. With over 30 plus years as a Brooklyn real estate agent and broker, I can direct you to an experienced real estate attorney and help you sell your home.

Our office is completely shut down and committed to your safety during the COVID-19 health crisis in compliance with the State of New York public health policies. I can be reached by phone at (718) 253-9600 ext. 1901 or by email at [email protected].


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 1901


The Best Way to Keep Your Home Clean and Safe Every Day

June 15th, 2020

If you’re wondering which way is the best way to keep your home clean and safe on a daily basis, this blog post is a must-read. Cleaning often is tedious to do throughout each day, but it is inexpensive and doable. But don’t stress about it. Just be mindful and clean, clean, clean!

Keep your home clean
There is a simple way to keep your home clean and safe.

Pandemic Versus Epidemic

Do you know what the difference is between a pandemic and an epidemic?

Pandemic

According to Merriam-Webster, when used as an adjective, pandemic means “occurring over a wide geographic area and affecting an exceptionally high proportion of the population.” But when used as a noun, it means “an outbreak of a disease that occurs over a wide geographic area and affects an exceptionally high proportion of the population.”

Epidemic

And according to Merriam-Webster, when epidemic is used as an adjective, it means “affecting or tending to affect a disproportionately large number of individuals within a population, community, or region at the same time.” But when used as a noun, it means “characterized by very widespread growth or extent of, relating to, or constituting an epidemic.”

Merriam-Webster further states, “An epidemic is an outbreak of disease that spreads quickly and affects many individuals at the same time. A pandemic is a kind of epidemic: one which has spread across a wider geographic range than an epidemic, and which has affected a significant portion of the population.”

Sanitize and Disinfect to Keep Your Home Clean

All it takes is a great spray bottle, some hydrogen peroxide, and 70% isopropyl alcohol. You don’t have to have a rag to wipe things down after you spritz your surfaces. But your wood and finished surfaces will do better if you follow up with a wipe down. Plus, you’ll wipe up some dirt for an even cleaner home.

1. Disinfect frequently-touched surfaces such as doorknobs, handrails, and tables.

2. Wipe down frequently-used appliances and areas such as large appliances, bathrooms, and countertops.

3. Sanitize the small stuff, too, such as light switches, remote control, and cell phone.

4. Disinfect outside items such as shoes and items you touched while you were out and about.

5. Wash your hands.

Wash hands properly

Wash Your Hands Properly

Wash your hands and wash them often to help keep your home clean. And when should you wash your hands?

  • After you go to the bathroom
  • When you blow your nose, cough, or sneeze
  • Before you eat
  • After you touch a surface that could be contaminated

And there is a way to properly wash your hands. This video from John Hopkins Medicine shows you how.

Keep Your Home Clean Now for Selling Later

And when you keep your home clean, really clean on a regular basis, you’re actually preparing your home to sell should you decide to do so.

If you in the market to sell or buy a new home, contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate. With 30 plus years of experience in the real estate industry, I can help even during these uncertain times.

Our office is completely shut down and committed to your safety during the COVID-19 health crisis in compliance with the State of New York public health policies. I can be reached by phone at (718) 253-9600 ext. 1901 or by email at [email protected].


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 1901


What are the Best Mortgage Questions You’re Afraid to Ask?

May 15th, 2020

It doesn’t matter if you’re a first-time homebuyer or an experienced homebuyer. Homebuyers always have mortgage questions. And there is no mortgage question your mortgage lender hasn’t already heard. So whether those questions make you feel uncomfortable, naïve, or even stupid, ask them. Remember what your dad told you? “There is NO stupid question except for the one you didn’t ask.” Don’t be afraid to ask the awkward questions.

Mortgage questions
There are no stupid mortgage questions. And there are none your mortgage lender hasn’t already heard. So ask!

Find a Mortgage Lender Who has Your Best Interest in Mind

I’m all for transparency. But not wanting to ask uncomfortable mortgage questions of a complete stranger or a new acquaintance is quite understandable. I mean, who wants to “lay all their cards out on the table,” with someone they just met?

But you can’t shock a mortgage lender! Remember, they’ve heard it all before. And that means they have the answers to all those awkward mortgage questions, too.

Before we share a few examples of awkward mortgage questions, here is a key piece of advice. Only work with a loan mortgage lender who feels like a friend, someone who truly has your best interest in mind.

Yes, opening up about your personal life and finances is scary. We’re reluctant to reveal what we really care about because it makes us feel exposed and vulnerable. But strong financial relationships are built on trust, emotional trust. Since you need a strong relationship with your loan officer, open up to them with complete honesty. See Vanguard’s 2017 research.

So find and work only with a loan officer who is happy to answer all of your mortgage questions. No matter how trivial your mortgage questions may seem to you, a great loan officer will be glad you asked and will help you make financial decisions you’ll be confident with.

Best mortgage questions

Awkward Mortgage Questions Aren’t as Scary as You Think

1. “Will I lose my deposit, and can I still qualify for a home loan if I lose my job before or during the homebuying process?”

Above all, it’s important to be upfront about everything. If you fail to disclose that you lost your job before closing, you increase your risk of defaulting on your loan and foreclosure.

Verification of employment and income plays a huge part in getting prequalified and approved for a mortgage. Your mortgage lender looks at your debt-to-income ratio, your W2s for the past two years, your credit history, and more.

When someone loses their job before or during the homebuying process, the mortgage lender:

  • Recalculates earnings
  • Submits a new mortgage application
  • Provides new options

Your new financial situation will give you two options to consider.

a. Qualify for a smaller loan and buy a house in that price range

b. Still qualify for the same loan amount if you have more than one job or a low debt-to-income ratio

Homebuying Tip: Show sellers you’re a serious buyer. Get prequalified. Prequalifying before you start house shopping helps you find and get into a home faster.

2. “Can my ex be removed from my mortgage after I get divorced?”

Everything comes into play in divorce – mortgage payments, utility bills, home size, and family living arrangements.

There are two options to resolve this:

a. Sell your house

b. One spouse can buy out the other

The easiest option is selling your house and dividing the profits.

But if one of you wants to keep the house, one spouse must buy out the other and an agreement on the amount of the buyout must be determined. To determine the amount of the buyout, subtract the cost of selling from the home’s appraised value to equal the amount of equity leftover. Then split this amount between both parties. The spouse keeping the house will pay that amount to the other.

If a spouse chooses to use a mortgage refinance to pay the buyout amount agreed upon, the other partner is removed from the home’s title. Fannie Mae lets a partner borrow up to 95 percent of the home’s appraised value in a buyout.

3. “Does my husband/wife have to be on the loan or deed?”

Signing mortgage papers

Your odds of qualification based on credit score, employment history, and income are greatly improved when both of you are on the loan application. But in the United States, both spouses’ names are not required to apply for the loan. So, if your partner’s debt or credit score could hurt you, it might be wise to leave them off the loan or deed.

But know this, your non-borrowing spouse may still need to get a credit check during the mortgage process. If this is what you choose to do, you are solely responsible for the mortgage. Your name will be the sole name listed on the deed. And you will be solely responsible for the mortgage payments.

And if you decide to add your non-borrowing spouse’s name to the title, you can. Use a quitclaim deed.

You can also choose to add your partner’s name to your mortgage later on with a mortgage modification or by refinancing your mortgage. By refinancing your mortgage (taking out a new loan to replace your current mortgage), you will apply for a new loan again as co-borrowers.

If you choose to add your spouse to your mortgage later on, let your mortgage lender know that you want to do so. They’ll either decline or accept.

4. “What happens to my mortgage if I file for bankruptcy?”

A mortgage lender cannot change your loan terms or raise your rate if you file for bankruptcy.

If you file for Chapter 7 bankruptcy, you may be at risk of losing your home.

But if you file for Chapter 13 bankruptcy, you may be permitted to keep your house and continue paying your monthly mortgage.

Again, now is the time to talk with your mortgage lender. It is their job to find ways to work with you to either modify or reaffirm your loan. Then you can continue paying on and living in your home.

5. “I owe back child support. Does that matter?”

Back child support

Yes, it does. If back child support has gone to collection or judgment, it will factor negatively into your mortgage prequalification. Back child support shows up as a negative on your credit and makes you appear to be a greater risk to a lender. Do not skip talking to your mortgage lender about this.

Also, discuss how paying down your child support debt improves your chances of getting approved for a home loan. Show your mortgage lender how you’re managing your debt. Get a court-approved repayment plan or proof of payment and show it to them.

And if you are able to, pay the debt in full. This will ease the burden on your credit and make you eligible for an FHA or VA loan.

6. “I received a letter from my lender because I didn’t pay my property taxes. What do I do?”

If you don’t or can’t pay your property tax bill, your local tax office charges monthly interest. Penalties for overdue payment may also be charged. When this continues month after month, eventually a tax lien is placed on your property. Now you can’t sell your home until the tax bill is paid.

So what do you do if a tax notice or a letter from your lender shows up in your mailbox? Contact both a tax attorney and your mortgage lender ASAP. Even when you are making monthly mortgage payments, failure to pay property taxes is considered an “event of default.” And this could put you at risk for foreclosure.

There are relief options available to help you get back on track. Ask your mortgage lender about these:

  • Making late payments
  • Requesting a tax deferral
  • Establishing a payment plan
  • Taking out a property tax loan to pay down the debt in monthly installments

7. Why do you need to know where the money deposited in my account comes from?

Large deposits that are unrelated to your earnings require explanation during the mortgage approval process. To make sure the large deposit came from an acceptable source, the underwriter asks for verification. Confirmation of a large deposit is another way for an underwriter to find out if you’ve taken out a new loan or line of credit.

New loans or lines of credit potentially affect your debt-to-income ratio and the loan amount you can afford. And mortgage lenders will always tell you not to take out a new loan or line of credit when you’re trying to buy a new home.

8. “Do I have to stick with the real estate agent I started with?”

Mortgage questions

Poor communication, lack of experience, weak negotiating skills, personality clashes, and more happens. And buyers break up with their real estate agent after the contract’s been signed. Know this: you’re making the investment. It is well within your rights to switch agents while in escrow. But how can you keep this from being awkward?

  • Go to the brokerage and request another agent
  • Select another agent from another brokerage
  • Ask your mortgage lender for a Realtor Partner referral

Sometimes an early termination fee is required in your listing contract.

But document each time you feel the ball was dropped to provide “proof” of your dissatisfaction with your agent. Most agents appreciate an honest explanation from a client as to why their services were terminated. And that’s fair. You can’t improve upon something you did or the way you did it when you don’t know about it. Right?

And there’s always the possibility of problems or miscommunications getting resolved before a breakup happens. Nonetheless, it’s well within your rights to terminate representation without providing an explanation.

9. “Will my mortgage be sold to another company after I buy a house?”

Selling a loan to a servicing company is commonplace and a way many lenders stay in business. By selling loans to servicing companies, the funds a lender needs to take on new borrowers are freed up. Plus, this allows a lender to continue offering affordable loans with competitive rates.

A lender has the right to sell your loan to a servicing company at any time. But in order to do so, you as the borrower must be notified no less than 15 days prior to the transfer. When a servicing company takes over your mortgage, there’s not much you need to do at all. Your mortgage terms and payment (with the exception of adjustable-rate interest) remains the same. You just send your mortgage payment to a new company every month.

Since mortgages are either 15 or 30-year mortgages, yes, it’s likely yours will be sold to another company. Lenders aren’t always able to service every home loan they fund. If they were, outstanding balances could add up to billions of dollars in available funds. This is why borrowers’ loans are bundled and sold to investors, like Freddie Mac and Fannie Mae for example, based on risk level.

10. “What do I do if my mortgage company loses my payment?”

It’s happened. People pay their mortgage payments by check, and they get lost in the mail. If yours has been lost in the mail, or you think your mortgage company or loan servicer lost your payment, contact their customer service department immediately. Your lender will help you track down your payment and get it credited to your account.

When paying your mortgage payment by check, your bank can see if it has cleared, verify when it was sent and deposited, and where, for proof of payment. Contact them if your payment is truly lost. And if your bank cannot verify that this check was processed, place a stop payment on the check. Then, call your servicing company. Inform them of the situation and let them know you are sending another payment.

Paying online and making sure each mortgage payment goes through each month prevents miscommunication and keeps your loan from going into default.

11. “If I can’t make my mortgage payment, what should I do?”

If you can no longer afford your mortgage, contact your mortgage lender. They want you to keep your home as much as you do. They’ll ask about your financial difficulties, whether they are permanent or temporary, and why you can no longer make your payment. Then, they’ll assess your financial situation and offer solutions that can help you. Your lender will explore mortgage refinance, loan modification, a repayment plan, mortgage assistance programs, forbearance, or short-selling your home before you’re faced with foreclosure or bankruptcy.

The Consumer Financial Protection Bureau also recommends meeting with a free HUD-approved housing counselor to receive professional guidance that can help you to avoid foreclosure.

Get Answers to Your Mortgage Questions

And the answer to the question, “What are the best mortgage questions you’re afraid to ask,” is all of them!

Don’t hesitate to ask your mortgage questions. Find a great mortgage lender and get the help you need from them each step of the way.

If you want help finding a great mortgage lender, contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate. With 30 plus years of experience in the real estate industry, I can help.

Our office is completely shut down and committed to your safety during the COVID-19 health crisis in compliance with the State of New York public health policies. I can be reached by phone at (718) 253-9600 ext. 1901 or by email at [email protected].


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 1901


What Have You Uncovered in the Heart of Your Home?

April 30th, 2020

You’ve been spending a lot of time at home lately, haven’t you? And I’m willing to bet it’s been rewarding to finally have the time to tackle all those projects that have been piling up. Yeah, nice. But while the whole self-isolating thing may have been great at first, stir craziness is probably starting to set in. So, if you’re still self-isolating and haven’t already tackled the TLC projects in the heart of your home, consider this. You can easily improve the atmosphere of your home in addition to your outlook with seven worthwhile DIY projects for your kitchen. And they’re surprisingly easy!

Heart of your home
Uncover the value of the heart of your home while self-isolating this spring

Uncover the Value of Home and Family in the Heart of Your Home

Traffic in your kitchen has definitely increased with staying home. Am I right? You’re cooking and creating and discovering the value of the heart of the home again.

Why not spice up your kitchen space and increase the value of your home while you’re at it?

Kitchen Project #1: Organize Your Pantry

Organizing your pantry can seem overwhelming and make you skip over that “easy” word used earlier. But it really is an easy space to organize and super rewarding, too.

  1. Start by clearing out your pantry.
  2. Next, sort like items together.
  3. Then, choose what you’d like to organize it all with – woven baskets, clear bins, lazy Susan turntables.

“You can use woven baskets, clear bins, or a combination of both,” Amato-Scotto says. “Baskets are great for snacks and chips, as those items can’t stack or stand upright on a shelf. Clear bins and containers are good for items that you use frequently, so you can view at glance how much is left.”

Shop The Container Store nearest you. Stores are temporarily closed due to COVID-19. But Contactless Curbside Pickup is available at select locations.

Kitchen Project #2: Add Some Pop with Paint

A fresh new look in the kitchen is easily accomplished with a bit of paint.

No need to paint the whole kitchen if you’re not up to that amount of work. A subtle yet contrasting applied to your kitchen island is just enough to do wonders to the look and feel of your whole kitchen.

Shop here for your perfect color inspiration before committing to a shade on your island.

Window in the heart of your home

Kitchen Project #3: Treat or “Untreat” Your Kitchen Window

Home decor trends are moving away from curtains and window coverings. So if your windows are adorned with beautiful trim, don’t cover them up. Show them off. But if the sun happens to be an issue, fabric shades in a pattern or natural woven shades are great options.

Kitchen Project #4: Add a Bit of “Glass” to Your Kitchen

I love all these easy DIY kitchen upgrades. But this one … this one speaks to me! It’s class in an instant!

 Just install glass in a couple of tired-looking old cabinet doors, and you’ve just added visual openness and a layered effect in your kitchen.

Watch Meghan Carter, host of AsktheDecorator.com, demonstrate how to install glass in cabinet doors in this video.

Kitchen Project #5: Make Your Kitchen Shine

Install a new set of pendant lights. Pendant lights add interest and highlight to your newly painted island. They’re highly functional, too.

Some pendant lights may create visual heaviness for small kitchen spaces. Clear glass pendants keep the look and feel of your kitchen sleek and, well, light.

Kitchen Project #6: Upgrade to a Dish-Drying Rack

Believe it or not, some of us are not fortunate to own a dishwasher.

So for those of us who get to hand-wash our dishes, I suggest this upgrade. Install a decorative and functional dish-drying rack above your sink. This allows your dishes to drip-dry while making your dishes look neat and orderly. And your dishes are far more accessible on a daily basis than they would be stacked in a pile on the counter. From wet and ugly to decorative and functional. Boom! Neatness, color, and pattern added to your space, just like that!

 This video will get you started on this easy upgrade.

Kitchen Project #7: Hook Up with Your Collection of Coffee Mugs

Yes, this project is super simple. You’ll wonder why you didn’t do this when you weren’t self-isolating way back when. Add under-the-cabinet hooks for your coffee mugs.

This improvement adds personality and clears up space in your cabinets, too.

Focus on the Heart of Your Home

Unprecedented times such as these call for common sense, thoughtfulness, and respect for others. Be kind. This will come to an end.

And while you’re home doing the social distancing thing, put your extra time and energy into something productive. Apply some TLC to your kitchen and uncover the heart of your home.

If you’d like to make even more improvements on the heart of your home, contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate. I have space-saving ideas and great resources to help you with your kitchen space.

Our office is completely shut down and committed to your safety during the COVID-19 health crisis in compliance with the State of New York public health policies. I can be reached by phone at (718) 253-9600 ext. 1901 or by email at [email protected].


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 1901


Is Now the Best Time to Consider Purchasing a Home

April 15th, 2020
Is this spring really the best time to purchase a home?

According to real estate experts, springtime is the best time to purchase a home. But this year, spring is different. It is anything but typical or ordinary. Many real estate agents are now working remotely and conducting most of their business online. And buyer and seller consultations are done virtually. But many home shoppers are wondering if now is really the best time to consider purchasing a home.

Coronavirus or Not, Always Weigh the Factors

Social distancing because of the coronavirus is attempting to cripple our economy in many ways. And to offset the negative effects this virus is having, the FED lowered interest rates significantly. But even as wonderful as that is, it’s still wise to weigh all the factors, negative and positive, before purchasing a home.

Exercise Caution When Purchasing a Home Now

It makes sense to pay less to borrow money, of course. And you should always exercise caution before taking on a mortgage. But since the possibility of a recession is at hand, it’s even more important that you purchase a home you can truly afford.

Caution: Can You Really Afford the Monthly Payment?

Amanda Abella, millennial business coach and author of Make Money Your Honey: A Spirited Entrepreneur’s Guide to Having a Love Affair with Work & Money says, “Assuming you can afford a mortgage and the other costs involved and your job is not in danger of being cut, then yes. Smart investors and people who are financially savvy know these times are ridden with opportunity because the general public is going to contract. But every individual situation is different. Unless you’re sitting on pretty hefty savings and know your industry won’t be impacted by what’s going on, then you should err on the side of caution.”

Amanda made two valid points.

1. “Assuming you can afford a mortgage and the other costs involved …”

With or without all that dealing with the cornonavirus has thrust upon us, low interest rates don’t have much to do with all of the costs associated with purchasing a home. There are property taxes, homeowner’s insurance, and closing costs, with every home purchase. The closing costs alone can cost you anywhere from one to five percent of the closing price. You must calculate your home-buying budget accurately, beyond the monthly mortgage payment alone.

2. “ … and your job is not in danger of being cut …”

Caution: Can You Secure a Mortgage?

Mortgage rates are low, but they’re not at zero percent. Here’s what Drew DeWitt, senior vice president of investments for Ivy Equities, a Greenwich, Connecticut-based real estate private equity firm has to say.

“Lower interest rates mean lower monthly mortgage payments on your home loan; therefore, you technically can pay more since your monthly costs are lower. However, it also means that there is greater risk in the economy in general. The FED drops rates to spur growth when there is risk of unemployment and people not being able to make their monthly mortgage payments. As a result, banks will tighten their lending standards, and it may be harder to actually secure a mortgage despite the lower rates. This is where people get confused.”

Caution: Are You Taking Logistic Difficulties into Consideration?

Danielle Lurie, a licensed real estate sales person with Compass sheds perspective on logistical issues that also need consideration. There are government agencies, such as notaries and title offices, which are now closed.

“Even if you could buy a home at a steal right now, most buyers would wish to physically go and see the property, bring a home inspector to assess the property, and—assuming you get an accepted offer and arrive at the virtual closing table—you will need to hire movers to move into the property. Depending on what amount of time is needed to contain this virus, those three things are all difficult if not impossible to do right now.”

Look for Win-Win Opportunities

If you’re determined to buy a home now, and you’re willing to walk through homes virtually instead of the traditional way, there is opportunity for a great deal out there. Some agents say now is the best buyer’s market they’ve ever seen!

According to Homelight’s recent poll of 600 top real estate agents across the country, you will have to work hard to find a great deal. Their poll found that “22% of respondents say sellers are taking their homes off the market in response to coronavirus concerns.” And there were reports of a housing shortage before life as we knew it changed, too.

Unmotivated and uncommitted buyers have dropped off which means less competition for you as a buyer. And that’s a good thing. With fewer home buyers out there looking, you have less competition to contend with. But the window of opportunity for buyers won’t stay open like it is right now forever.

Seize the Opportunity While Minimizing Your Risk

Once the quarantine guidelines are lifted, a strong rebound will likely follow the soft real estate market we’re now seeing. And the high demand of a strong rebound could push home prices up. And as Roger Ma, a New York-based financial planner and owner of lifelaidout, says, “Recession or not, it’s impossible to time the market, whether for buying stock or buying real estate.”

Yes, current market conditions offer incredible opportunities for you as a homebuyer since you can lock in a historically-low interest rate. But rates are actually going up, and quickly, too! Why? Because so many people are refinancing.

Prepare to Buy a Home Now

So, if you’re still employed, have the necessary resources, and want to take advantage of the low interest rate opportunities, do these things now:

1. Start browsing online

2. Get yourself familiar with the market

3. Look through your finances and prepare for the time when you are ready to buy

4. If you’ve already found your dream home, put in your offer and lock in your rate

5. Get pre-approved for a mortgage

Confused About Purchasing a Home Now?

Do you need help with your decision about purchasing a home now? Sellers are selling. Interest rates are low. And there are great deals to be had. Right now you can own a home for less per month than you can rent in most areas. But is now really the best time to consider purchasing a home?

Contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate. I can help you weigh economic concerns and help you determine if now is a good time for you to consider purchasing a home.

Our office is completely shut down and committed to your safety during the COVID-19 health crisis in compliance with the State of New York public health policies. I can be reached by phone at (718) 253-9600 ext. 1901 or by email at [email protected].


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 1901


How to Work Together as a Team and Get Through a Crisis

March 30th, 2020
Now’s the time to work together as a team and get through our current situation. Be kind. Stay home. And call your friends, family members, and neighbors.

When a crisis strikes, working quickly to get ahead of it is key. And working together as a team is the quickest way to work through any crisis because together we’re stronger. Everyone responds differently to a crisis. But we all have different and unique abilities. That’s why we need to work together! Together we complement each other’s strengths to manage and get through tough times. But how exactly, do we work together in crises?

What It Takes to Work Together as a Team in Crisis

Crises never show up at opportune times. And that’s why they’re stressful to go through. But when we prepare for a crisis before it hits, we can diminish a lot of that stress.

The first and best piece of advice offered is to anticipate a crisis. No one is immune to or exempt from major or minor crises. Simply, because you are alive, crises will happen.

3 Steps to Take to Emerge Out of a Crisis Situation Confidently

Getting your family, business, or community through a serious situation is emotionally challenging. Here are three steps you can take to help you out of troublesome times.

Step 1: Prepare in Advance 

Crisis plans make a difference when it matters most. So have an actionable plan ready to put into place before a crisis arises.

When we don’t prepare for a crisis situation ahead of time, we open ourselves up to panic and insecurity. It is stressful. Some of us go into denial. Others assume dealing with this crisis is someone else’s job. And many begin blaming or attacking someone in leadership. We react instead of enacting a well-planned strategy prepared ahead of time.

So avoid a lot of stress before disaster strikes. Prepare for life’s inevitable surprises in advance.

Step 2: Find the Facts

Empower your family, business, or community with the facts. When we know what we’re up against, what we’re dealing with, we can handle a tough situation with a lot more confidence.

Step 3: Reconnect and Maintain Social Connection

During a crisis, uncertainty and confusion abound. When a crisis hits, we want our basic needs met – security, warmth, food, and the absence of pain. If our basic needs are not met, we can cease to function.

Today, our livelihood has been threatened by COVID-19. Businesses are shutting down to help stop the spread of this virus creating financial hardship for many.

With so much uncertainty and confusion, it’s important to reconnect and maintain a social connection.

Most people really appreciate staying in touch during hard times. Contact your neighbors, friends, family, and business clients and colleagues by phone, text, or email. Make sure they are okay. Offer to help them in whatever way you can.

Creatively and safely socializing.

Implement creative ways to socialize without inviting others into your home or vice versa. Just today, I saw three moms park their vehicles in a large parking lot, open the rear doors of their vans, and visit with each other from a distance.

Work Together as a Team Through Loss

This time of crisis for us brings loss as well as gain – the loss of loved ones, the loss of a way of life as we knew it. And with all loss comes grief, pain, and suffering. It’s important that we allow help people grieve because we cannot move on until we grieve for that which is gone.

I challenge you to rise to the occasion during our present crisis through:

  • Creativity
  • Ingenuity
  • Optimism
  • A willingness to work hard
  • The ability to make difficult choices
  • Accepting sacrifices
  • Setting personal interests aside in favor of the interests of others

People are finding the stress and uncertainty of our present situation debilitating.

But troublesome times show us what we’re truly made of. They allow us to find out what really matters and who really cares. We discover what is important and what isn’t.

3 Assets to Anchor Us in Uncertain Times

When we feel fearful and anxious, it’s hard to manage our own thoughts and be mindful of others at the same time. But as challenging as it is, we must if we’re going to come through this crisis better than we were.

There are three key assets that anchor us in uncertain times:

  1. Hope
  2. Confidence
  3. Reasonable optimism

They help us to be more resilient and more creative, a better version of ourselves. We see our key values confirmed and our community working hard to preserve what we’ve always cared about.

With responsibility, mindfulness, kindness, compassion, and consideration, we can and will get through this crisis.

We will get through this. But it has to be together.

In what ways are you working together as a team to get through our present crisis? Are you working from home? How are you dealing with all the new challenges our new normal brings?

Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate is completely shut down and committed to your safety during the COVID-19 health crisis in compliance with the State of New York public health policies. If you have any questions or need anything from me, reach out at (718) 253-9600 ext. 206 or email [email protected]. I’d love to help you find the perfect place to call home. Be kind. Stay home. And take care!


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 206


What You Need to Know About Reverse Mortgages

March 15th, 2020
About reverse mortgages
Before you sign any papers, it’s very important that you understand everything you need to know about Reverse Mortgages.

Seniors, are you having trouble getting through retirement? Have you’ve heard about Reverse Mortgages and how other seniors have pulled the equity out of their homes to help them get through retirement? Does all this Reverse Mortgage information confuse you?

It’s important to understand what a Reverse Mortgage is as well as the benefits and risks of this type of loan before you sign any papers. Banks offer information on these types of loans, but you may find attending a workshop to be more helpful.

What Is It?

Investopedia.com defines a reverse mortgage as “a loan. A homeowner who is 62 or older and has considerable home equity can borrow against the value of their home and receive funds as a lump sum, fixed monthly payment or line of credit. Unlike a forward mortgage – the type used to buy a home – a reverse mortgage doesn’t require the homeowner to make any loan payments.

”Instead, the entire loan balance becomes due and payable when the borrower dies, moves away permanently or sells the home. Federal regulations require lenders to structure the transaction so the loan amount doesn’t exceed the home’s value and the borrower or borrower’s estate won’t be held responsible for paying the difference if the loan balance does become larger than the home’s value. One way this could happen is through a drop in the home’s market value; another is if the borrower lives a long time.”

How Do Reverse Mortgages Work?

When you take out a reverse mortgage loan, you basically pull out the equity you have in your home to help you through retirement. You can choose to take out that equity in one of two ways:

  • One lump sum
  • Monthly payments

The loan does not need to be paid back until you either sell your home or stop living in it.

Your homeowner’s insurance needs to be maintained and the taxes on your home paid.

If you choose to, you can make payments on your reverse mortgage. But these payments are not required.

What Benefits Does a Reverse Mortgage Offer Seniors?

Most people who are over the age of 62 have half of their net worth tied up in their homes. A Reverse Mortgage allows you to cash out your equity when you need it while still living in your home. This is the most appealing feature of this type of loan. With a Reverse Mortgage, it’s quite possible to live comfortably in retirement.

Are There Risks Involved?

This all sounds great, but are there risks involved? Yes. A Reverse Mortgage puts your home at risk because it limits the amount of money you can pass on to your children when you die. How?

  1. When you die and your children inherit your home, they must either pay off the mortgage themselves or sell the property to pay off the loan.
  2. If you can no longer live independently in your home and must move into a nursing home, the reverse mortgage must be paid off. This usually means you must sell your home.
  3. The interest rates on a Reverse Mortgage loan may be high depending on your credit.
  4. If you put your home up as collateral and then borrow money against your home, you risk losing it.

Also, be aware of other possibly risky scenarios. For example, if you sign the reverse mortgage and go into a nursing home while your spouse lives in the home, the terms state the loan must be paid back. This means your spouse may no longer have a home to live in.

Risks can be reduced by limiting the amount you borrow on the loan. If the loan is smaller than the total equity, you can sell the home and still have enough to buy a smaller place live.

And since the risks could involve and affect your children greatly, talk with them when you take out a reverse mortgage.

Knowing About Reverse Mortgages

Maintaining your independence and solving a cash flow problem if your retirement benefits don’t cover your expenses is ideal. So carefully review all available information as well as the terms on a Reverse Mortgage. And once you understand the benefits as well as the risks of Reverse Mortgages, you can decide whether or not it’s good for you.

Many government agencies caution seniors to review the terms and consider all their options before taking out a Reverse Mortgage.

Are you confused about Reverse Mortgages? Contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate with your questions. I can help. Call (718) 253-9600 ext. 206 or email [email protected] today.


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 206


How to Find the Best Mortgage Lender with Confidence

February 29th, 2020
Best mortgage lender
Dreaming of buying your first home? Find the best mortgage lender with confidence! Here’s how.

Finding the best mortgage lender on your journey to homeownership is important. But it can be challenging, especially if you are a first-time homebuyer. It’s a big deal because picking a lender is an important part of the home buying process. And finding the best the right mortgage is crucial. Here’s some excellent information from NerdWallet to help you navigate this part of buying a home with confidence.

5 Things You Need to Know to Help You Find the Best Mortgage Lender

NerdWallet says, “The best mortgage lenders for first-time homebuyers embrace government loans, offer low down payment options, charge reasonable fees, and help you find financial assistance programs.”

1. Know Your Credit Score and Financial History

Lenders judge you on your credit score and financial history to determine your ability to get a mortgage and the interest rate you’ll pay. So you need to know it. Knowing your credit score allows you to determine your loan options.

Credit scores of 620 are good, and the higher, the better. Scores of 740 or more will help you get the lowest interest rates. But it’s not impossible to get a mortgage with a credit score that’s in the 500s.

Find out the credit score you need to buy a house here. But keep in mind, you may be able to borrow more than what you can actually afford to pay each month. So don’t overextend yourself from the get-go!

2. Inquire About First-Time Homebuyer Programs in New York

Some lenders and state housing finance agencies partner up in order to help first-time homebuyers. Then they can help you with rate discounts, a down payment, and closing costs, or educational resources to help you get into a home. Isn’t that nice to know? So do your research on assistance first-time homebuyer programs here in New York.

Take note: Not all lenders participate. So be sure to ask.

3. Look for Lenders Who Offer Government-Backed Home Loans

Why? Because most of the time, FHA, VA, and USDA loans offer relaxed income, credit, and down payment requirements. And this allows for easier qualification. But check out this list of homebuyer loans and programs! You could rack up some big savings if you don’t rush through this process.

  • FHA loan
  • VA loan
  • USDA loan
  • Fannie and Freddie
  • State first-time homebuyer program
  • Home renovation loan
  • Good Neighbor Next Door
  • Dollar Homes

And on another note, not all lenders offer FHA, VA and USDA home loans. Their options may be limited. So, when you do your comparison shopping, always ask about availability.

4. Ask for Quotes to Compare Interest Rates

Ask several lenders for quotes (at least three), and let them compete with each other for your business. One of them will rise to the top of your list with a lower rate and lower fees. You’re looking for APRs (annual percentage rates) to get a better picture of what you’ll end up paying over the life of the loan.

You’re also looking for fees when making lender comparisons. Application, appraisal, title, and loan origination fees affect closing costs. And they vary widely depending on the lender.

Again, don’t rush through this process either. Mortgages have pages and pages of details that loan officers know how to get through quickly. Ask for clarification as needed through every step and make sure you have all the facts. Choosing a loan that matches your needs and your budget with confidence isn’t something you should feel rushed through.

5. Get Preapproved

Getting preapproved before you begin house hunting helps you in three ways:

  • Proves a lender is willing to loan you a certain amount of money
  • Signals to the seller that you are a serious buyer who they can rely on
  • Helps you look for homes within your budget

Compare preapproval options, too. Some lenders provide approval online in minutes. Others require a phone call or that you visit a local branch office to pick up your documents in person.

Be prepared. You may run into preapproval barriers. If you have a low credit score or inconsistent income, ask lenders before you apply if they’re willing to work with you on this. Some lenders will gladly help you find errors and discrepancies on your application which could get you preapproved.

Lacking Confidence in Your Search for the Best Mortgage Lender?

Are you stumped trying to find the best mortgage lender? When you’re a first-time homebuyer, shopping for a mortgage lender can get overwhelming. Just take time to compare all your options, no rushing through the process. You’ll buy a home with confidence and save money, too.

Contact me, Charles D’Alessandroyour Brooklyn Real Estate Agent with Fillmore Real Estate with questions you have about finding the best mortgage lender. I can help. Call (718) 253-9600 ext. 206 or email [email protected] today.


Charles D'Alessandro

Charles D’Alessandro
Your Brooklyn Real Estate Agent
718-253-9600 ext. 206