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Buying a Home with 10% Down and No PMI by Victoria Alexander

Jan 25, 2020 ,,,,,,,

A recent NY Times article spoke with our mortgage broker Mark Maimon from Sterling bank about how first time buyers are getting ahead with putting less then 20% down. Some buyers may not have to funds to put more than 10% down but there are some other very sound reasons for choosing to put down less. […]

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NYC Co-ops, Your Buying Power and Your Values Aligned

Jan 24, 2020 ,,,,,,,,,,,,

We have all heard of food co-ops and thing they are good but do we know why? and what actually is  a food co-op? Wikipedia says: “A food cooperative or food co-op is a food distribution outlet organized as a cooperative, rather than a private or public company. Food cooperatives are usually consumer cooperatives, where the decisions regarding the production and distribution […]

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Talented Agents Who Share Our Passion for Brooklyn Wanted!

Jan 21, 2020 ,,,,,,,,,,,,,

During this season we’d like to take a moment and share our appreciation for the Realty Collective team.  Our agents are passionate and creative women and men and we are so grateful to have them!  Would you like to join our team? Are you ready to work in a new environment where you will be encouraged […]

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Guarantors Help New York Renters Secure Apartments

Jan 20, 2020 ,,,,,,,,,,

When applying for an apartment in New York City it’s a pretty standard request of  landlords that all applicants make an annual earning  of  at least 40 times the rent. If the applicant doesn’t meet that requirement then the applicant can submit an application with the help of a Guarantor. All Guarantors are required to […]

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Is My Co-op Maintenance Tax Deductible?

Jan 17, 2020 ,,,,,,,,,,,,,

Can I deduct my co-op maintenance tax? The short answer is YES—a percentage of your monthly maintenance is tax deductible and this percentage is different from unit to unit depending on number of shares owned. With a co-op, the amount of the maintenance that is tax deductible is based on the portion that is used […]

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Shortcut to Calculate Approximate Monthly Mortgage Payments

Jan 14, 2020 ,,,,,,,,

For a while now we have been hosting “Buying into Brooklyn” workshops for first time home buyers with questions. Right by our side has been local loan officer Mark Maimon from Freedom Mortgage and we really can’t say enough nice things about him. He recently shared this shortcut for calculating mortgage payments with us and […]

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Ace Your Brooklyn Co-Op Board Application: Reference Letters by Victoria Alexander

Jan 10, 2020 ,,,,,,,,,,,,,,,,,

Being able to afford a co-op apartment in NYC is only a portion of the purchasing process. No matter how well qualified you are financially before and after buying in a NYC co-op, you still need to prove you are worthy! Part of the typical co-op board application process is presenting the necessary documentation to make […]

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The RC Family Brag Letter

Dec 16, 2019

The RC Family Brag Letter Growing up my family, a brag letter was not something my family participated in, but I recently realized from another business owner that my RC Family was something I should be bragging about. I am so proud of the work my family is doing both in and out of the […]

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How to Give Great Holiday Gifts

Dec 13, 2019

This holiday season we have  seen posts about a no-gifts holiday this year, alternatives to Amazon, buying second hand, supporting small businesses, Giving Tuesday, boycotting Black Friday and so much more. It is hard for many of us to walk away from the holiday traditions of gift-giving though, as it is a cherished time with […]

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6 Ways To Give Back Using Your Own Home

Dec 12, 2019

There are so many ways to make a difference this holiday season.- and you don’t have to look any further than your own home. Read below for 6 ways to make a difference! Be the hostess who gives the mostess! You provide the food and drink- your guests provide the donation!  A great way to […]

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