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Tom and Sharon Kowalchuk are some of The Top Selling Real Estate Experts™
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Our Special Offers: 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 From Us To You!

Just for you, we've assembled some Special Offers. Choose one or all!

Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.

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Find Out About the Latest Homes for Sale First!
We add our newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.

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Before signing a contract with any real estate agent, make sure you know EXACTLY how your home will be marketed.

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Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate!

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Financing Your Home >Home Buyers Education

As the number of mortgage lenders increases, competition forces lenders to get more creative in finding ways to lend people money. This often takes the form of giving homebuyers a "break" in the down payment. The downside of this approach is that statistically, the smaller the down payment, the more likely the borrower will default. Lenders have put together an education program to prevent delinquencies, which fills a much-needed gap in the increasingly complex world of home finance.

Home buyer education classes focus on a variety of money management topics, including all the costs connected with obtaining and owning a home. One lender got together with FANNIE MAE (a government-sponsored loan guarantor) to launch a 3 percent down payment loan which requires participation in this education course. Other lenders have shown a decline in the default rate with five percent loans that are associated with similar education courses.

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Q	What document must lenders provide within three days of receiving your application for financing?
A	The "Truth In Lending Disclosure Statement" will give you complete financial information about the loan.
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Tom and Sharon Kowalchuk, REALTORŽ, 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
Direct: 845-878-4076
Office: 845-297-4700, ext 338
Fax: 845-297-8178
Email: thomaskowalchuk@NUMBER1EXPERT.com
Over 30 years business/professional experience in marketing, contract negotiation, and customer service. Area residents for more than 20 years. Top Lister Achievement Awards. 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 clients needs. Each Century 21 office is independently owned and operated.

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NUMBER1EXPERTS™ in real estate for Wappingers Falls, East Fishkill and LaGrange, New York, luxury homes

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