Don't Go Shopping for a New Home Before You Know Exactly How Much You Can Spend!  You might have an idea of the loan payment and mortgage you can afford. But will the bank feel otherwise? It's always best to pre-qualify for a mortgage so you know exactly how much a financial institution would be willing to lend you. In the pre-qualification process, you will find out: - Exactly how much home or land you can afford. - How much cash you will need for the down payment. - The minimum down payment, and advantages of higher down payments. - What the bank feels you can afford for a monthly payment. I help buyers pre-qualify for mortgages every day. Simply fill out the form below to get started. Remember: I will respect your privacy! I know this is your personal information, and I will not distribute it to anyone, other than to my preferred mortgage broker. This service is also provided free of charge, without any obligation on your part. It is part of my job as a top Greenwich, Old Greenwich and Riverside real estate agent to offer services such as these. Once you fill out the form, I will quickly process your information and get right back to you! I can help you pre-qualify for your mortgage. It's my job! This is free and without obligation...
Accepting An Offer >Clean Offers
You have found a house that makes your heart skip a beat--it is in the right location and has all the amenities you want. The price is the only thing that is keeping you from making an offer, because you feel that it is more than you can afford. How can you maximize the possibility that the owners will accept an offer that is much lower than their asking price?
The first thing you should do is to make the offer as "clean" as possible by not asking for special contingencies. Avoid making demands on the sellers for minor repairs, such as cutting down the dead tree in the back yard or leaving custom drapes. Be as flexible as possible about scheduling the move-in date to accommodate the seller's plans. Finally, you can offer a larger-than-usual deposit to persuade the sellers that you are a serious buyer and to make it harder for them to "just say no". Each situation is different, but the "cleaner" the offer, the more likely the sellers are to accept it.
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What does the term ARM stand for?
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An ARM is an Adjustable Rate Mortgage, a loan where the interest rate is tied to an economic index that fluctuates with the market. |
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Leslie Carlotti
Greenwich Fine Properties
80 Mason St
Greenwich, CT 06830
Phone: 203-983-7451
Fax: 203-531-8187
lesliecarlotti@NUMBER1EXPERT.com
A client of Leslie Carlotti’s is a client for life. Leslie knows Greenwich intimately and loves the people who define her chosen career.
“A client once told me that in his view, what set me apart from other real estate agents was that I listened,” Leslie says. “In my view, my job is to listen to my clients, hearing what is said and not said, and then doing my very best to accommodate their needs and wants in a professional manner.”
The joy of Leslie’s work comes with a deep appreciation of the varied personalities and properties that make Greenwich special. From her earlier career as a commercial executive handling property acquisitions to her present-day role shepherding some of Greenwich’s highest-value residential transactions, a sensitive, discreet personality has always set Leslie apart.   
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