Brian Brennan, NYS Real Estate Salesperson

01/10/2024

Who’s looking for a stunning new build located on Grand Island? 4 bedrooms, 2.5 baths, 2,540 SQ FT. Move in ready! Send me a message to make this home yours today!

VR Pricing. Seller will consider offers starting at $450,000. Amazing opportunity to move right into a new build without having to build! This stunning Waterford model features 4 bdrm 2.5 bath open-concept colonial with 9' ceilings and recessed lighting throughout, foyer with large coat closet, "fle...

11/21/2023

Proud to become a member of the Grand Island Chamber of Commerce!

11/08/2023

Coming to a mailbox near you!

10/18/2023

Check out this newly listed 5 bedroom, 2.5 bathroom home located in the city of Niagara Falls. Large fully fenced in lot with a 2.5 car detached garage and lots of parking space. Such a rare find in this city of NF

Solid one family property with long term tenants in place makes for a perfect addition to your investment portfolio! $1,000 a month includes water/refuse removal only. 5 bedrooms, 1 full bathroom, full basement with glass block windows, 2+ car detached garage, tons of parking both on street and off....

10/05/2023

Here are some important facts about down payments on a house:

1. **Definition**: A down payment is a lump sum of money that a buyer pays upfront when purchasing a home. It's a percentage of the total purchase price.

2. **Minimum Requirement**: The minimum down payment amount can vary depending on factors like the type of mortgage, the lender's policies, and the buyer's creditworthiness. In the US, it typically ranges from 3% to 20% of the home's value.

3. **Mortgage Types**:
- **Conventional Loans**: These are not insured or guaranteed by a government agency. Down payment requirements can range from 3% to 20%.
- **FHA Loans**: Insured by the Federal Housing Administration, these usually require a down payment of 3.5%.
- **VA Loans**: Offered to eligible veterans and active-duty military personnel, often with no down payment requirement.
- **USDA Loans**: Aimed at rural and suburban homebuyers, these may require no down payment.

4. **Private Mortgage Insurance (PMI)**: If the down payment is less than 20%, the lender may require PMI. This insurance protects the lender if the borrower defaults on the loan.

5. **Impact on Monthly Payments**: A larger down payment typically means lower monthly mortgage payments, as you're borrowing less.

6. **Saving Considerations**: It's advisable to start saving for a down payment well in advance. The more you can put down, the better in terms of lower interest rates and more favorable loan terms.

7. **Gifted Down Payments**: Some lenders allow down payments to be a gift from a family member or a close friend, but there may be specific requirements for documentation.

8. **Seller Contributions**: In some cases, sellers may agree to contribute towards the buyer's closing costs, which can indirectly affect the down payment burden.

9. **Closing Costs**: While separate from the down payment, it's important to factor in closing costs which include fees for services like appraisal, inspection, and title insurance.

10. **Local Regulations**: Different regions might have specific programs or incentives for first-time homebuyers that can impact down payment requirements.

Remember, it's crucial to consult with a qualified mortgage advisor or financial expert for personalized advice based on your specific situation and location.

09/29/2023

Are you more for a country house, city house or suburbs?

There’s so many benefits to each! Which would you choose?

09/25/2023

As your realtor my first and foremost objective is to serve you and your end goal and have a relationship that you can count on now and in the future. By working with me as your realtor you can expect my pillars of excellence:

1. *Expertise and Experience: I have been a salesman for 16+ year’s operating my own business. I am relatively new to real estate, I have been a realtor for 2 months. However, I am not new to sales, customer service and knowledge of the market. I have a high detailed understanding of real estate and the regulations and requirements that go into it as well as authentic mentorship from Howard Hanna.

2. *Communication: you can expect me to keep you informed throughout the process, promptly answering inquiries, and being a reliable point of contact.

3. *Negotiation Skills: Securing favorable terms for buyers by analyzing the seller and their terms to come to an agreement that both parties will be satisfied with.

4. *Client-Centered Approach: Commitment to understanding your needs and preferences. I tailor my services to meet your specific goals.

5. *Market Insights: Insight into market trends, property values, and potential investment opportunities. I will help you make informed decisions.

6. *References and Testimonials: As stated, I’m am not new to sales however, I’m a relatively new realtor and I am looking to build trust and credibility with my clients.

7. *Legal and Regulatory Knowledge: I have a very detailed understanding of real estate laws and regulations. I will can guide you through the legal aspects of transactions with ease.

8. *Availability and Responsiveness: I am available Monday - Sunday for showings, meetings, and discussions. I am responsive and accessible to address any concerns.

09/23/2023

Getting pre-approved for a house is an important step in the home-buying process, and your credit score plays a crucial role in this. Here’s why:

1. Determines Eligibility: Lenders use your credit score to assess your creditworthiness. A higher score indicates a lower credit risk, making you more likely to be approved for a mortgage.
2. Interest Rates: Your credit score can significantly impact the interest rate you receive on your mortgage. Higher scores generally qualify for lower interest rates, which can save you a substantial amount over the life of the loan.
3. Loan Amount and Terms: A higher credit score may allow you to qualify for a larger loan amount. It also gives you more flexibility in choosing loan terms that suit your financial situation.
4. Down Payment Requirements: A strong credit score may lower the down payment requirements, as lenders may be more confident in your ability to repay the loan.
5. Negotiating Power: Having a pre-approval with a good credit score gives you negotiating power when dealing with sellers. It shows them you’re a serious buyer who is financially prepared.
6. Smoothens the Process: Pre-approval with a good credit score can expedite the mortgage application process. It demonstrates to sellers and real estate agents that you’re a qualified buyer.
7. Avoids Delays or Rejections: If your credit score is too low, you might face delays or even rejection during the pre-approval process. This can be disheartening and may hinder your home-buying plans.

Remember, while credit score is crucial, it’s not the only factor lenders consider. They also look at your income, employment history, debt-to-income ratio, and other financial details. It’s important to maintain a good credit score, but also to present a strong overall financial profile.

09/15/2023

Open tomorrow Saturday 9/16 from 11am-1pm. Come check out this 5 bedroom, 2.5 bath house located in Wheatfield!

VR Pricing. Seller is considering offers between $300,000 & $340,000. Sky's the limit w/ this one! 2305 Lockport Rd is a solid 2-story home, currently assessed as a 2-family, sitting in a C-1 Commercial district, w/ opportunity to easily be utilized as a 5 bed 2.5 bath single! Not to mention the ful...

09/14/2023

Here's one that is not to be overlooked! 2202 Kenmore Ave is completely move in ready with gleaming hardwood floors, remodeled kitchen and bath, finished basement with fireplace, and fully fenced yard! Second floor hosts huge (23 x 19) bedroom with large walk in closet. Enjoy updated cabinetry, granite countertops & newer appliances in kitchen, plus newer roof, doors & windows. Dining room leads to covered outdoor freshly painted deck overlooking private yard. Central Air! One car garage is HEATED! All kitchen and laundry appliances included.

Here's one that is not to be overlooked! 2202 Kenmore Ave is completely move in ready with gleaming hardwood floors, remodeled kitchen and bath, finished basement with fireplace, and fully fenced yard! This two story vinyl sided cape cod style home can easily live as a two bedroom ranch with two 1st...

09/05/2023

Newly listed!

Sky's the limit w/ this one! 2305 Lockport Rd is a solid 2-story home, currently assessed as a 2-family, sitting in a C-1 Commercial district, w/ opportunity to easily be utilized as a 5 bed 2.5 bath single! Not to mention the full, finished, walk-out basement that provides 1,200 additional sq ft! Tons of parking in the front for six+ vehicles. The private park-like partially fenced yard faces Cayuga Creek - no rear neighbors!

VR Pricing. Seller is considering offers between $300,000 & $340,000. Sky's the limit w/ this one! 2305 Lockport Rd is a solid 2-story home, currently assessed as a 2-family, sitting in a C-1 Commercial district, w/ opportunity to easily be utilized as a 5 bed 2.5 bath single! Not to mention the ful...