Wappingers Falls, East Fishkill and LaGrange real estate and homes for sale in New York, luxury homes - Tom and Sharon Kowalchuk, REALTORS® Tom and Sharon Kowalchuk REALTORS(r) for Wappingers Falls, East Fishkill and LaGrange, New York real estate, luxury homes - NUMBER1EXPERTS™ Tom and Sharon Kowalchuk NUMBER1EXPERTS(tm) for Wappingers Falls, East Fishkill and LaGrange, New York real estate, luxury homes
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Tom and Sharon Kowalchuk, REALTOR®, real estate agents and broker for Wappingers Falls, East Fishkill and LaGrange New York home listings, property and land for sale - NUMBER1EXPERT(tm)
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Resources: Wappingers Falls, East Fishkill and LaGrange New York home buying, real estate listings, and homes for sale in Dutchess County, NY
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Special Offers: Special offers for Wappingers Falls, East Fishkill and LaGrange homeowners from Tom and Sharon Kowalchuk, top Realtors
Affiliates: Tom and Sharon Kowalchuk's real estate web site affiliates
eNewsletter: Tom and Sharon Kowalchuk's Wappingers Falls, East Fishkill and LaGrange newsletter email will send you the latest real estate information
Today's Real Estate News: Daily real estate news for this neighborhood, New York, and United States
Market Conditions Report: Market conditions report for this area, New York, and United States
Monthly Payments & Schedule: Monthly loan payments java mortgage calculator
How Much Can You Afford?: Calculate how much home you can afford with this financial calculator
Determine Tax Savings: Calculate how much your monthly Wappingers Falls, East Fishkill and LaGrange New York mortgage payments save you on your taxes because of loan interest
Should You Rent or Buy?: Is it better to rent a home in New York or buy your own Wappingers Falls, East Fishkill and LaGrange house, ranch, luxury property, condominium, acreage, or other real estate?
Adjustable Rate Mortgages: Adjustable rate Wappingers Falls, East Fishkill and LaGrange mortgages information and interest rate java calculator
What Is Your APR?: Determine the Annual Percentage Rate (APR) for your mortgage.
Fixed or Adjustable Rate Mortgage?: Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
Are Balloon Mortgages For You?: Balloon mortgage calculator. A balloon mortgage can be an excellent option for many home buyers.
15 vs. 30 Yr Mortgages: With a 15 year mortgage you will pay significantly less interest, but only if you can afford the higher monthly payment. Use this calculator to compare these two mortgage terms.
How Much Should Your Income Be?: What income is required to qualify for a mortgage? Use this calculator to find out.
What's Your Maximum Mortgage?:This calculator will help you determine your maximum monthly housing payment and the resulting mortgage amount.
Will Buying Points Save You Money?:This calculator helps you determine if you should pay for points, or use the money to increase your down payment.
TripleCalc: FREE Software Download: TripleCalc lets you compare three loans at one time for your property or other New York real estate
Top National Real Estate Web Sites: Real Estate Web Sites that include some unique sources of realty information, listings, and more
Ask Anything: Ask Tom and Sharon Kowalchuk anything real estate
NUMBER1EXPERTS: List of all the NUMBER1EXPERT real estate agentss and realty professionals and brokers in the USA and Canada with links to their personal web sites with homes for sale
Real Estate Tips: Tom and Sharon Kowalchuk's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers
Real Estate Trivia: Tom and Sharon Kowalchuk's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more
Real Estate Dictionary: Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Wappingers Falls, East Fishkill and LaGrange property in New York, including legal terms definitions, and more

 

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Real Estate Tips
Real Estate Contracts >Taking It With You

Before you list your home for sale, take a careful look around. Are there some items you will want to take with you? There may be a dining room chandelier that has been in your family for three generations, a ceiling fan in the master bedroom, or the bookcases in the den that look built-in but are not.

Normally all fixtures are conveyed to the new owners when a house is sold. This includes anything that is attached to walls or ceilings and, in some areas, all major appliances that are installed in the house. If you have fixtures that you don't want to convey, tell your agent what you want excluded from the agreement at the time you list your property for sale.

If it is convenient, it is best to remove any light fixtures or ceiling fans you plan to take with you and replace them before the property is shown to prospective buyers. List all items that are not being sold with the house on your home fact sheet to ensure that they will not become an issue when a buyer makes an offer.

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Real Estate Trivia
Q 
Who is "Fannie Mae" and why is she a big name in real estate?

A 
"Fannie Mae" is the real estate industry nickname for FNMA, or Federal National Mortgage Association, the stockholder-owned corporation that purchases mortgages from mortgage lenders.
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Tom and Sharon Kowalchuk, REALTOR®, real estate agents and broker for Wappingers Falls, East Fishkill and LaGrange New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Tom and Sharon Kowalchuk
Century21 Alliance Realty Group

1136 Route 9 - Suite U-1
Wappingers Falls, NY. 12590
845-878-4076
845-227-2777, Ext 18
Fax: 845-227-4166
Email: thomaskowalchuk@NUMBER1EXPERT.com

Over 30 years business/professional experience in marketing, contract negotiation, and customer service. Area residents for more than 20 years. We have consistently been one of the Top Producers at Seven Oaks Realty, multi-million dollars sales producers, and received the Top Lister Achievement Award for 2006. Seven Oaks Realty has merged with Century21 Alliance Realty Group. You can be assured that we will maintain the highest level of service and committment. We are members of the Dutchess County Association of Realtors, New York State Association of Realtors, National Association of Realtors and the Southern Dutchess Chamber of Commerce. We achieve a high degree of customer satisfaction through our exceptional ability to work together with other professionals to meet our client’s needs. Each office is independently owned and operated.

Equal HousingMLSREALTOR


Century 21

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