See whether buying down your rate pays off, and how long it takes to break even. Estimate only — not a loan quote or lender offer.
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Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
New York taxes the sale and the loan separately. At the $480,000 statewide median, that's $1,920 in transfer tax plus $1,920 more in mortgage recording tax.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.