Your Finances

Mortgages and Finance are important topics to Buyers, Sellers and Investors in Western New York. Find out the importance of pre-qualifying for a mortgage, credit scores and financing options including Hard Money lending. Important information about your financial future, taxes and savings.

Are You Facing Foreclosure in WNY? 7

The National Association of REALTORS® has created a useful document for homeowners in “How to Avoid Foreclosure and Keep Your House” if you are in trouble it is an excellent place to start. Some of the resources cited in this document include: For immediate advice, call 888-995-HOPE To speak to […]

Foreclosure sign

Getting Mortgage Pre-approval 2

Getting pre-approved for a mortgage     So you’ve decided to buy a place of your own. Congratulations! It’s one of the most important decisions you’ll make in your lifetime. But before you start your search, there’s an important step you should take – get pre-approved. A pre-approval indicates that […]

Improve Your Credit Score Before Applying for a Home Loan

It’s a good idea to start working on improving your credit score several months before applying for a big loan, whether you’re buying a house, refinancing or buying a car. Boosting your score could help you qualify for a lower loan rate as well as save you thousands of dollars […]


What Happens if my House Doesn’t Appraise for the Full Price? 1

Congratulations! You just got a better than full price offer on your home for sale after having multiple offers. You have gotten through Attorney Review and Home Inspection and the buyer is getting their mortgage approval. Everything is moving smoothly or so you think. The buyer’s mortgage company sends out […]

Financial Planning for your Golden Years

Provided by For more information call Colleen Kulikowski (716) 650-0051   Thinking of selling your Western New York home? Interested in finding out the current market value of your single family home, condo or investment property? Then call at (716) 650-0051 to discuss what is happening in today’s […]

Loan Application Checklist for Buyers 5

If you are not purchasing your Western New York home outright with cash, part of that process is obtaining a Mortgage. Since applying for your Mortgage can be confusing, we have assembled a list of all the documents you will need for your WNY home mortgage application.  Having all of […]

Low Appraisals Still Causing Problems in Some Deals 1

The real estate market is on the upswing – but are those improvements being reflected in home appraisals?  When many potential buyers push the selling price of a home higher than the asking price – which isn’t unusual in neighborhoods where the demand is high – problems are arising because […]


Writing the Hardship Letter 2

Today I want to talk about a small but important piece of the short sale – the hardship letter. This is the one time you really need to look at the situation through bank’s eyes.   They have taken all the risk and ultimately deciding if the transaction is going to […]

There is hope! A Short Sale Seller can purchase a home! 2

Two years after a short sale, a seller can buy a new home! Fannie Mae recently announced that sellers, who elect to sell on a short sale over letting the property go through to final foreclosure, are eligible to buy a new home after two years. Although there are no exceptions due to extenuating circumstances, this new ruling means there is finally a logical reason to do a short sale now.

Easy steps to save for the down payment for your new home! 9

Save for a down payment of your WNY home with tiny steps! The answer is simple; one step at a time! Even if there are no credit obligations that have to be taken care of, the other two items still present a challenge. Along with all the advice you already […]

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Making Sure You Meet the Criteria for a Home Loan

Mortgage rates Mortgage rates are expected to stay below 5 percent for the remaining part of 2012. This is basically a continuation of what we saw in 2011. Average rates for a 30-year fixed mortgage remained below 5 percent the previous year. Though for the last four months of 2011, […]

VA Mortgage Basics 1

What is a VA Mortgage? The Department of Veterans Affairs (VA) guarantees loans to help qualified veterans, reservists, and active-duty service members to finance their homes. Refinance or Purchase. The VA loan allows veterans 100% financing without private mortgage. A VA funding fee of 0 to 3.3% of the loan […]

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Documents to gather before meeting with your Mortgage Professional. 12

Buying a home is not so difficult if you know what is going to happen along the way. Before you start looking at houses and falling in love with the perfect home, apply for your mortgage and at least get a pre-approval. This will allow us to ensure you are seeing homes that you can afford. There is nothing more frustrating to a Buyer than to fall in love with the absolutely perfect home only discover you cannot afford it.