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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Top Real Estate Links: Wappingers Falls, East Fishkill and LaGrange New York home buying, real estate listings, and homes for sale in Dutchess County, NY
Welcome > Resources > Top Real Estate Links ...


Useful Real Estate Web Sites 

Here's a short list of some of the more useful real estate and real estate related sites on the web. When you click on any of the links below, you'll see the site you chose, along with a form at the bottom of your screen. Use it to get answers for any questions you might have about anything you find. 

Remember: It's our job to know more about real estate than any web site! 

Wappingers Falls Moving Companies
With just a few clicks 123 Movers can find you Fast, Free, no obligation quotes from local & interstate moving companies, auto transport specialists, self storage organizations, international movers and more. Relocation can be a stressful event so let us help you find the moving services you need by searching our directory of licensed movers.

GOVERNMENT REAL ESTATE RESOURCES
Try the US Census Bureau, FedStats.com, or the Bureau of Labor Statistics for useful information. The HUD web site is full of resources. Don't forget Fannie Mae, Freddie Mac, or Ginnie Mae. Get home buying tips from the Federal Consumer Information Center.

LOCAL INFO
Find your local Chamber of Commerce or State Government.


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Real Estate Tips
Financing Your Home >The Language of Financing

When you meet with a lender to apply for financing, you may feel as if you are in a foreign country when the loan officer begins to talk about points, Regulation Z margins, PMI, and ARMs.

You are not alone if you feel left behind by loan terminology. Like many professionals, lenders use a highly specialized language. Don't hesitate to ask for a translation! This is especially true if you are investigating some of the more complicated loans with rates that can be adjusted periodically. As you consider the various loan options, find out what the interest rate will be and at what point the lender will commit to that rate. If the loan has an adjustable rate, be sure that you understand how often the rate will adjust, and by how much your payments may go up. Find out if the loan can be assumed by a future buyer. The lender isn't trying to confuse you. The mortgage process is complicated, so just keep asking questions until you understand.

See All Tips In The "Financing Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
Which law allows a person to give another individual up to $10,000 a year without any tax consequences?

A 
The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year.
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School Reports
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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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