Maria Maldonado Cruz

Maria Maldonado Cruz Selling | buying I’m here to help you to get your dream home.

It’s important to have a good record in order to get pre-approved.
07/12/2023

It’s important to have a good record in order to get pre-approved.

Overcoming financing challenges. It’s important for first time buyers to do not have this challenge in their ways in ord...
07/12/2023

Overcoming financing challenges. It’s important for first time buyers to do not have this challenge in their ways in order to get pre-approval.

After a long list of requirements and papers this is the most exciting moment!! Congrats home owner!!
06/28/2023

After a long list of requirements and papers this is the most exciting moment!! Congrats home owner!!

Here’s a checklist of important things to lookout for during the final walk-through.1. Inspection Repairs2. Belongings M...
06/28/2023

Here’s a checklist of important things to lookout for during the final walk-through.

1. Inspection Repairs
2. Belongings Moved In or Out
3. Locks and Windows
4. Appliances
5. Mold
6. Electricity and Outlets
7. Backyard and Outdoors

An appraisal may be requested or required for many reasons: To facilitate the transfer of ownership of real property.To ...
06/28/2023

An appraisal may be requested or required for many reasons:

To facilitate the transfer of ownership of real property.

To help prospective sellers determine acceptable selling prices or prospective buyers decide on offering prices.

The “Do Not Do’s” of Negotiating 1. Do not be impulsive. Consider everything carefully.2. Do not be uninformed. Do your ...
06/28/2023

The “Do Not Do’s” of Negotiating
1. Do not be impulsive. Consider everything carefully.
2. Do not be uninformed. Do your homework and know the implications there may be to an issue an have a rough idea of what it cost to fix.
3. Do not be unreasonable. Focus on what is important.

The underwriter helps the mortgage lender decide whether or not you’ll get approval on your loan and will work with you ...
06/28/2023

The underwriter helps the mortgage lender decide whether or not you’ll get approval on your loan and will work with you to make sure that you submit all your paperwork. Ultimately, the underwriter will ensure that you don’t close on a mortgage that you can’t afford.

An underwriter can:
☑️ Investigate your credit history
☑️ Look at your debt-to-income ratio (DTI)
☑️ Verify your down payment and savings

Many types of contingency clauses can be added to a real estate contract. One of the most common ones is a mortgage cont...
06/28/2023

Many types of contingency clauses can be added to a real estate contract. One of the most common ones is a mortgage contingency which specifies a window of time in which the buyer must obtain financing to purchase the home. If the buyer doesn’t secure a mortgage loan by that deadline, they can withdraw from the deal without penalty and the seller can put their home back on the market a choose a different buyer.

Offer is in and now we wait to see if the seller is going to accept, reject, or counter. This is where we have to be pre...
05/12/2023

Offer is in and now we wait to see if the seller is going to accept, reject, or counter. This is where we have to be prepared for whatever this process throws at us.

After we have found the house we are looking for it is time to prepare and put in an offer.
05/12/2023

After we have found the house we are looking for it is time to prepare and put in an offer.

I personally think this is one of the fun steps in the buying process! This is where we get to look and poke around. ...
05/12/2023

I personally think this is one of the fun steps in the buying process! This is where we get to look and poke around.

Here we dive into STEP 1: Pre-ApprovalThis is where all of the documentation and information gathering begins.
05/11/2023

Here we dive into STEP 1: Pre-Approval
This is where all of the documentation and information gathering begins.


Address

5810 Bergenline Avenue West
New York, NY
07093

Telephone

+18622919004

Website

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