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All agents are NOT alike! Find out why I am a top real estate expert. Please call me directly at: 914-980-2912 or (914)332-6300, Ext. 105.
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Find Out About the Latest Homes for Sale First!
I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the MLS.
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"far surpassed what we expected."
"So here we are in Charlotte, realizing that you are not only a great broker, but a wonderful friend."
Steve Kahn-formerly of Pokahoe Dr., Sleepy Hollow
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 Compare three mortgages at one time.
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Mary Case Friedner is one of The
Top Selling Real Estate Experts™
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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!
 It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request my quick Status Report on any homes or other real estate that interests you. It's free and without obligation. Remember: As a top Tarrytown, Sleepy Hollow and Briarcliff Manor area Realtor, it's my job to know more about a property than any web site. Make sure you have the most current information!
First Time Buyers >The Down Payment
Perhaps no single decision in a real estate purchase has more variables than "How much money do I put down?" Conventional wisdom centers around either putting down as much as you can or as little as the lender allows.
If you put down a large payment, you get some leverage with the lender, such as little or no mortgage insurance, a good equity position, and perhaps a preferred mortgage deal. You will also have lower mortgage payments. One potential disadvantage of a large down payment is that you will be using after-tax dollars on which you could be earning interest. You will also have less tax-deductible interest.
When you buy a home with a low down payment, you will have more tax deductible interest, and your investment value percentage will increase faster. You will have little equity at the outset, and your monthly mortgage payments (and perhaps your interest) will be higher. However, you will also keep more of your own money in hand to potentially earn more interest in other investments.
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| Q |
What is the only land in the world that has not been walked on by human feet?
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| A |
A small 200 square-mile section of Antarctica is the only terrain on Earth that not one person has stepped foot on.
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- NUMBER1EXPERT™ 
