Scott Goldman The Source Team

03/28/2026

“You can’t love a house that doesn’t love you back.” — wise words from a wise attorney friend of mine.
I recently worked with a wonderful Croton family who fell head over heels for a sprawling Teatown estate. Picture it: pool parties, a guest cottage, sweeping nature views, and enough land to host a small kingdom. They made an offer. It was accepted. Champagne corks were practically flying.
Then reality tapped them on the shoulder.
After revisiting their finances, they made the tough — but smart — call to walk away. Because as dreamy as that property was, love doesn’t pay the utility bills. Or the taxes. Or the inevitable “the roof has opinions” repairs.
Homeownership is romantic and mathematical. Before your heart runs away with your wallet, consider the full picture: mortgage, maintenance, insurance, taxes, and whether there’s anything left over for, say, actually enjoying life.
A handy guidepost: the 28/36 rule — housing costs ideally stay under 28% of gross monthly income, with total debt under 36%. It’s not magic, but it’s a solid reality check before you start naming the guest cottage.
The right home will love you back. Let’s find yours. 🏡

03/27/2026

Rates are up. Westchester inventory isn’t. Here’s what that means for you. 🏡
Mortgage rates are sitting at 7.13%–7.46% today — and while that’s not the news anyone wanted this spring, here’s the Westchester reality: the median home price is already $754,000 and climbing, inventory for single-family homes is at just 2.4 months of supply — well below the 5 months needed for a balanced market — and homes are going to contract in under 30 days.

Waiting for rates to drop won’t pause those numbers.

The good news? Rates can be refinanced. The price you pay two years from now can’t be undone. Buyers who move with confidence today are building equity while others are still waiting for perfect conditions that may never come.

📊 Sources: Zillow, Bankrate — March 2026
Thinking about making your move this spring in Westchester? Let’s talk. 👇

03/19/2026

🏙️ Did You Know? New York Real Estate Goes WAY Back.

The first real estate “transaction” in New York?
1626 — the Dutch purchased the island of Manhattan from the Lenape tribe for 60 guilders’ worth of beads and buttons, famously estimated at around $24 in today’s money. 

Manhattan today? Estimated land value: $1.4 trillion. 

Not a bad return.

The first formal real estate office in New York?
In 1847, leading brokers organized the New York Real Estate Exchange at 111 Broadway  — making it one of the earliest known real estate organizations in the entire country.

New York didn’t just build the skyline.
It built the industry.

📲 Curious what your piece of New York is worth today? Let’s talk.

Scott Goldman | The Source Team
William Raveis Real Estate



📚 Sources: NYCREC via Medium; NAR historian records via NAR.Realtor / RealtorMag

03/17/2026

🏠 Before you say “I can’t afford that house” — do this math first.
Working from home isn’t just a lifestyle perk. It’s a paycheck you didn’t know you had.

Add up what you’re spending every month on:

⛽ Gas
🚗 Car wear & tear
🚇 MTA/commuter costs
🅿️ Parking
👔 Dry cleaning
🥗 Lunch out
🛍️ Those impulse buys on the way home

Now multiply by 12. Then by 5.
For most commuters, we’re talking $15,000–$30,000+ over five years quietly walking out the door.
That’s a down payment. That’s a mortgage cushion. That’s your money.

If remote or hybrid work is part of your life, factor your commute savings into your buying power — because your budget may be bigger than you think.

💬 Want help running those numbers? Let’s talk.

📲 Scott Goldman | The Source Team at William Raveis Real Estate

03/15/2026

🗡️ Beware the Ides of March.
Julius Caesar famously ignored that warning — and we all know how that turned out.

March 15th has carried an air of drama for over 2,000 years. In ancient Rome, the Ides of March was simply the middle of the month — a day for settling debts and taking stock.

Today, it’s a great reminder: don’t ignore the signs.

Whether it’s a shift in the market, a change in interest rates, or the first buds of spring… the people who pay attention are the ones who come out ahead.

No soothsayers required. Just a good agent. 😄

03/13/2026

03/12/2026

What I tell clients who keep refreshing the listing apps — after years of selling in this area. The apps make it feel like everything happens in real time. It does not. The best opportunities usually come from preparation, relationships, and knowing how listings unfold before they hit your screen 🏡 Feeling glued to the search? Tell me what you’re hoping will pop up.

03/12/2026

Here is the roadmap most buyers follow — whether they realize it or not:
Clarity around the numbers.
Real preparation.
Learning how to evaluate homes.
Then acting without panic when the moment comes. 🏡

Miss a step, and things get stressful fast.

Want help knowing where you are in the process? Tell me💭

03/12/2026

THE SOURCE TEAM’S NEWEST LISTING
William Raveis Real Estate

🏡 OPEN HOUSE THIS WEEKEND 🏡
15 Cross Rd, Cortlandt Manor, NY
4 BD • 2.5 BA • Center-Hall Colonial • 1-Acre Private Setting 3263 sq feet


Timeless character meets effortless modern living. This beautifully maintained young Colonial is filled with natural light, thoughtful details, and flexible spaces for every lifestyle — all in one of Cortlandt Manor's most desirable neighborhoods.

HOME HIGHLIGHTS

Sun-Drenched Kitchen:

Vaulted ceilings, skylights, granite countertops, stainless steel appliances, and sliders opening to a full-length deck with tranquil backyard views.

Inviting Living Spaces:

Formal dining room with wainscoting, a living room with a pellet stove, and a warm family room featuring a wood-burning fireplace and oversized bay window.

Primary Suite Retreat:

Serene upper-level suite with custom closets and a private bath. Three additional bedrooms share a full hall bath with dual sinks.

Finished Basement:

Exceptional bonus space — ideal as a playroom, home gym, home office, or media room.

Premium Finishes:

Hardwood floors, recessed lighting, crown molding, central air, and a 2-car garage throughout.

Community Perks:

Access to the community pool and recreation center.

UNBEATABLE LOCATION

Just 10 minutes to the Cortlandt Metro-North Station for a seamless NYC commute. Steps from Cortlandt Town Center with 40+ shops and restaurants, and a short drive to Hudson River waterfront parks, dining, and outdoor recreation.


Schedule Your Private Showing Today
Contact Scott Goldman 914-417-7048

The Source Team at William Raveis

Don't miss this one — opportunities like this don't last.