A critical step in the mortgage loan application process is to verify the sources for your down payment, closing costs and assets, as well as documenting income and debts, oh yeah... and let's not forget your credit score!!! The lender uses these factors to determine your qualifications as a borrower.  Here's a good chart that explains the impact of your score:  720 - 850 - Excellent - The best financing terms and represents the best score range. 700 - 719 - Very Good - qualifies to receive favorable financing. 675 - 699 - Average - will qualify for most loans. 620 - 674 - Sub-prime - May qualify but will pay higher interest. 560 - 619 - Risky - Might have trouble getting a loan. 500 - 559 - Very Risky - You need to work on improving your rating. We'll be happy to assist you in obtainin... 08/26/2008

Did your friend or neighbor recently sell their Brooklyn, NY home/property? Are you wondering about how much it sold for? I can help! Email me direct at ProRealtor@verizon.net  the basic information and I will find out for you! All I need is the address and zip code and I will email you the complete listing including how many days it was on the market and how much it ultimately sold for!   To find the value of your home with a FREE, over-the-net home HIGHEST Price Analysis, please visit: http://www.newyorkmarketvalue.com/ SEARCH over 50,000 homes online for FREE and be the first to know about HOT NEW LISTINGS before other buyers do, please visit http://www.allnylistings.com/ To find the value of your home with a FREE, over-the-net home HIGHEST Price Analysis, please visit: http://www.ne... 08/22/2008

I'm confident you'll find your dream house at www.AllNYlistings.com . When we do, I'll put together the purchase offer tailored for your needs including appropriate contingencies (such as obtaining financing, favorable home inspection, clear title, etc.). The offer is normally presented with "earnest money". This is a cash deposit made to a home seller to secure an offer to buy the property. The amount is applied to closing costs. If the seller accepts the offer, generally closing is held 30 to 60 days from the offer date (generally dependent on the turn around time of your mortgage financing).   SEARCH over 50,000 homes online for FREE and be the first to know about HOT NEW LISTINGS before other buyers do, please visit http://www.allnylistings.com/ Friend me on Facebook  Follow me on T... 08/19/2008

  I love to read and am very fond of the Brooklyn Public Library. This building is etched with with some of the most remarkable quotes ever spoken. My favorite is pictured above: "The Spirit and The Senses so easily grow dead to the impressions of the beautiful and perfect that one ought every day to hear a little song, read a good poem, see a fine picture and, if it were possible, to speak a few reasonable words."   I think that's why I love Susan Mangigian and her new group, Realtors and Friends That Read. I peek in there all the time but very rarely comment. I'm too busy trying to read all of these books they keep talking about, not to mention chase the little minions around between carting them off to therapy, play dates, the office and open houses (LOL). If you haven't joined this ... 08/15/2008

You're credit is EXTREMELY IMPORTANT!!! It will be a deciding factor in the purchase of your new home. All the years you've been paying your car payments, and credit card bills can be analyzed, sliced, diced, spindled and mutilated into a single indicator of whether you're likely to meet your future obligations. There is a range of data available in your credit report, the primary factors are: Credit History - How long have you had credit? Payment History - Do you pay your bills on time? Credit Card Balances - How much do you owe on how many accounts? Credit Inquiries - How many times have you had your credit checked? The credit scores range from 300 to 850. Typical home buyers likely find their scores falling between 600 and 850. Higher scores indicate you are a better credit risk, and... 08/13/2008

Founded in 1910, Brooklyn Botanic Garden is located in historic brownstone Brooklyn. The BBG hosts more than 750,000 visitors from near and far and inspires them to explore how plants are essential to life. Visit the Brooklyn Botanic Garden this summer to learn about the many diverse uses of water in gardens. Enjoy free tours, Discovery Carts for the family, and more!BBG was rated Brooklyn's number one tourist attraction in Zagat's Best of Brooklyn 2008.          View Larger Map   Tuesday-Friday: 8 a.m. to 6 p.m. Weekends and holidays:10 a.m. to 6 p.m. Closed Monday (but open holiday Mondays) Address: 1000 Washington AvenueBrooklyn NY 11225 Phone: 718-623-7200 To find the value of your home with a FREE, over-the-net home HIGHEST Price Analysis, please visit: http://www.newyorkmarketvalu... 08/10/2008

  Rumor has it this arch has been standing since 1884. I believe it, for there are signatures on the bronze statues from the likes of William Rudolf O'Donovan and Thomas Eakins 1893 & 1894. According to Wikipedia, "It was designed by Frederick Law Olmsted and Calvert Vaux in 1867." It is also reported by Wiki that, "it is perhaps best known for the Soldiers' and Sailors' Memorial Arch, Brooklyn’s version of the Arc de Triomphe." You can read the full article with some very interesting historical links here. There is nothing to compare the feeling of watching countless newly weds flock to Grand Army Plaza to be married. I enjoyed jogging in the sunshine while watching happy couples exchange their vows. Limos line up in rows while families and friends hop in and out to take auxiliary phot... 07/31/2008

  If you ever find yourself on Avenue U and East 33rd Street in Kings County, then you must pull into Marine Park and visit the Salt Marsh Nature Center (SMNC) located at 3302 Avenue U, Brooklyn, New York 11234, (718) 421-2021. I absolutely love this place and the kids are wild about it. Where else can you meet up with the Urban Park Rangers, the History Club, do some sketching in the Zen of Seeing and Drawing program as well as participate in Woodworking Workshops, Birding, Yoga, Pilates, Tap and Line Dancing all under one roof?   What a gorgeous roof it is -- and it hosts so many wonderful community projects! For example, the Salt March Alliance (SMA) routinely invites the public to participate in non-commercial art shows which are exhibited at the SMNC. The SMA may be reached at (917... 07/29/2008

This has been, by far, one of the best turtle runs I have ever been on. It took four visits to collect these pictures and conduct a little research so that I could give an account to my out of state/country friends some history behind one of my favorite spots to enjoy some eye candy. This post is dedicated to my girlfriends Kathy Passarette, L.I. Staging/Decorating, a fellow Club Chaos Brooklynite, Elizabeth Weintraub, Sacramento Real Estate Broker, Lyon Real Estate, Poppy Dinsey ~ Zoomf, London, UK (who inspired this entire project with a delicious piece of eye candy of London's Tower Bridge). Since Poppy was kind enough to give us "A Walk Around London," I decided to give her a turtle run across The Brooklyn Bridge... By the way, Poppy takes us on a new tour of the United Kingdom and ... 07/20/2008

Here's the best cuisine that Brooklyn offers... Click on view larger map to see where they're located exactly. You'll also be able to get more info like the restaurants phone number, website (if they have one), and even their menus. Bon Apetit!!! Make sure to check out the fine dining in Queens as well Click here  View Larger Map   To find the value of your home with a FREE, over-the-net home HIGHEST Price Analysis, please visit: http://www.newyorkmarketvalue.com/   SEARCH over 50,000 homes online for FREE and be the first to know about HOT NEW LISTINGS before other buyers do, please visit http://www.allnylistings.com/ 07/18/2008

In order to feel comfortable hiring a home inspector in Brooklyn, it is important to understand what to expect from an inspector and what your rights are as a client. Many home inspectors, both legitimate and illegitimate, will prey upon clients who do not know what a proper inspection would consist of. By doing cheap and careless inspections, it is possible to carry out a great many "inspections" and turn a larger profit. You can guard yourself, your family and your investment by being acquainted with the home inspection process before the actual inspection is carried out.             A home inspection is not a walk-through and a verbal assurance that all is sound in the structure with, perhaps, a few comments about loose base boards or creaky hinges. A home inspection should include, ... 06/18/2008

   I don't believe I ever realized how fortunate I was to have such a wonderful father and role model in my life.  I somehow thought that ALL fathers did the things my father did for their children.  Lots of hugs, encouragement, fun days and wonderful trips-laughter was always on the menu.  So was love. When I turned 12 and began going out to concerts, things seemed to change I started to realize just how special he really was.  My friends would always say they wished they were as lucky as I was to have such a wonderful dad.  He loved to do spontaneous things and whoever was over was always invited along; dinners out, surprise visits to Carvel, a game or two of miniature golf or a movie. He was always the first to offer to pick up two or three other friends and take us where we wanted t... 06/13/2008

SPA & Wellness: Not able to attend a SPA once a week.  Then schedule your own SPA Escape in the comfort of your own home.  To view SPA products, Skin Care, Bath & Body Spa collections, makeup email me and I will give you the webpage. 06/06/2008

Hello New York City, and our visiting sailors.  Look up in the shy after 10 AM Saturday and Sunday and you just might see the Blue Angles flying in formation and doing their thing.  You might get lucky if you take a free ride on the Staten Island ferry because I understand they fly by the statue of Liberty as they fly in the air show.  What a great bunch of pilots.  God bless America and all our veterans. 05/23/2008

Large New Construction Three Family Home for sale.  Priced to sell. Eight Bedrooms, Private Drive, Huge Basement. Check out www.brooklynlistings.org for more information 05/18/2008

These days the economy is bad, houses aren't selling like they used to and you have to be very diversified to stay on top. We all know advertizing your name and properties you have listed (At fair market value) is key to making money in this market. I have never teamed up with any Mortgage lending institutions in my years as a Realtor. I usually hang up on them, laugh and watch the majority of them go out of business, but recently, but I found one that has impressed me by being extremely competitive in my market (NYC).We spoke on about sponsoring my advertizing at a high level if they can put a footer on all my stuff and in return, would use their paper for loans. One of the owners was on the board of Fanny Mae and they have been very competitive with the best lender in my area, so I am... 04/04/2008

THis is my 12th year doing Real Estate and this market is very much a buyers market. Sure I have listings, but the majority of my business is dealing with buyers. They are looking for deals and trust me, they are out there! Anyone selling knows they have to be slightly underpriced and willing to step down at least 10K more.   I have always been proud of the fact that I have alot of listing but this year I havevery few and I'm making more deals. I have never worked with so many buyers! The key to my market here is what I call "Bridge The Gap". You have a buyer who is overpriced and a buyer who is underbidding: Show the seller what is out there and for how long. Tell him what is selling in his area and for how much. Everyone in this business has heard the term "The seller is the last one ... 04/04/2008

I'm a Licensed Real Estate Salesperson located in Brooklyn, NY. I'm affiliatated with Century21 AnneMarie and I am looking for both buyers and sellers to work with for their real estate needs. I am honest, hardworking, dedicated and motivated to help your clients find a home or sell their home. I extend all courtesy, respect and professionalism to all. Please feel free to contact me at 718-499-8900 or my cell 718-564-4718. You can also reach me at KevinC21RE@aol.com. Thank you,Kevin Taunton 03/29/2008

It's with great pleasure and excitement, that I am proud to announce my recent opportunity to return to Brooklyn where it all began.  I started real estate in 1983 in East Flatbush. I then migrated to the Sheepshead Bay/Midwood area in 1986. I eventually became a co-owner of a Century 21 Office which lasted until the early 1990's.  Because of family responsibilities I took a small Hiatus returning to Real Estate in 1998to Appleseed Realty as an agent in Staten Island, where I reside.In  2001 I was recruited by YHD/Foxtons as a Regional Manager, handling Brooklyn and Staten Island. I worked for them for 6 years until they closed their operations in September 2007. That pretty much brings me to now, where I am managing 2 offices, One in Bay Ridge and one in Flatbush.  I am extremely excit... 03/29/2008

There are various companies and programs out there that claim to be Fine Homes Programs.At Appleseed Realty GMAC Real Estate, I believe our program is truly one that offers the owners exposure the others don't.  At GMAC we believe it starts with Premier Service.  The criteria we use is the home must be in the 10% of the market place.  We utilize various means of promotional activity that reaches local, national and international prospective buyers.  We use magazines like the Dupont Registry and web sites like, eleganthomes.com,Exclusive GMAC Real Estate consumer site for luxury properties • Featuring multiple property photos and enhanced property descriptions • Carry a link between this site and your provided personal links • Promotional campaign in place with all the major search engin... 02/24/2008