Sanders Properties Inc | Tuxedo Park, Grand View-ON-Hudson, South Nyack Real Estate


Buying a home represents a dream come true for many individuals. However, to transform this dream into a reality, you'll likely need to qualify for a mortgage.

Finding the right mortgage may seem difficult, particularly for a first-time homebuyer. Fortunately, we're here to help you make sense of all of the mortgage options at your disposal so you can select the right option based on your budget and lifestyle.

Here's a closer look at three of the most common mortgage options for homebuyers.

1. Fixed-Rate

With a fixed-rate mortgage, there are no cost fluctuations. This means that you'll pay the same amount each month for the duration of your mortgage, regardless of economic conditions.

For example, if you sign up for a 15- or 30-year fixed-rate mortgage, you'll wind up paying the same amount each month until your mortgage is paid in full. In some instances, you may even be able to pay off your mortgage early without penalties.

A fixed-rate mortgage often serves as a great option for those who don't want to worry about mortgage bills that may fluctuate over the years. Instead, this type of mortgage guarantees that you'll be able to pay a consistent monthly amount for the life of your loan.

2. Adjustable-Rate

An adjustable-rate mortgage represents the exact opposite of its fixed-rate counterpart. The costs associated with this type of mortgage will change over time, which means you may wind up paying a fixed interest rate for the first few years of your loan and watch this rate go up a few years later.

For instance, a 5/1 adjustable-rate mortgage means that your interest rate is locked in for the first five years of your loan. After this period, the interest rate will adjust annually. Therefore, a rising interest rate may force you to allocate additional funds to cover your mortgage costs in the future.

An adjustable-rate mortgage may prove to be a viable option if you plan to live in a home for only a short amount of time. Or, if you're a college student or young professional, an adjustable-rate mortgage may help you pay less for a home now, secure your dream job and become financially stable by the time your initial interest rate period ends.

3. VA Loans

The U.S. Department of Veterans Affairs (VA) provides loans to military service members and their families. These loans are backed by the government and enable individuals to receive complete financing for a house. Thus, with a VA loan, an individual is not required to make a down payment on a house.

If you ever have concerns or questions about mortgage loans, banks and credit unions are available to help. Also, your real estate agent may be able to offer mortgage insights and tips to ensure you can secure a mortgage quickly and effortlessly.

Learn about all of the mortgage options that are available, and by doing so, you can move one step closer to buying a home that matches your budget and lifestyle.


Using harsh chemicals around your home isn’t always the best way to clean. There’s a natural substance that you probably have right in your kitchen that’s perfect to clean the kitchen and every other room of the house. This substance is vinegar. Here, we’ll give you all the ways that you can use vinegar to clean up even the toughest of dirt in and around your home. Bathroom You can pour a cup of vinegar right into the toilet. You can let the vinegar sit overnight. If the toilet is really in bad shape, you can add baking soda or borax to use as an abrasive scrubbing agent. Once you scrub, flush, and notice how clean your toilet is! Vinegar is also great for cleaning the drain in the tub. You can also use vinegar straight or diluted for general cleaning around your sink and shower, as vinegar works wonders on soap scum. One great tip to get rid of hard water is to use vinegar on your shower head. Fill a plastic bag with vinegar and tie it around your shower head so that it is submerged. Let it sit overnight and remove the bag the next morning. Let the water run for a few seconds and you’ll have a much cleaner shower head! Kitchen When you’re working with food, why would you want to use toxic chemicals around the kitchen? You can wipe up spills in your fridge with a mix of water and vinegar. You can also use vinegar to clean countertops, cutting boards, your microwave and plastic containers. Just be sure to rinse everything after you use the vinegar for a cleaning job well done. Bedroom You can actually use vinegar to disinfect your mattress. Create a mix of rubbing alcohol, vinegar and some tea tree oil. Place in a spray bottle and spray on your mattress to help rid your mattress of dust mites, mildew and other odor causing bacteria. Once it dries, vacuum your mattress and it will be like new. Wood Furniture and Hardwood Floors Mix vinegar with olive oil to clean wood. You can add lemon or orange if you’d like a fresh scent. This will help to clean and maintain your wood furniture and floors. Carpets While you need to test your carpet for colorfastness, vinegar is a great substance to condition your carpets. You can mix vinegar with an essential oil for scent and spray on the carpet to get rid of dust mites. Cleaner Laundry Did you know that you can use vinegar as a fabric softener? By adding a cup of vinegar to the last rinse cycle, your clothes will come out soft and clean. These green ideas are perfect for your green home. Who knew that something as inexpensive as vinegar could be so versatile? .

If you want to buy a terrific house at a budget-friendly price, it generally is a good idea to plan ahead as much as you can. In fact, with a homebuying strategy in place, you can boost the likelihood of a fast, seamless homebuying experience.

Now, let's take a look at three tips to help you craft a successful homebuying strategy.

1. Think About Your Homebuying Goals

Do you want to live in a warm-weather region? Or, would you prefer to buy a house in a city or town where you can experience all four seasons? Regardless of where you want to live, you need to think about your homebuying goals and incorporate them into your homebuying plan.

Make a list of what you want to find in your dream house – you'll be glad you did. With this list, you can narrow your home search.

Also, it often helps to review your future plans as you put together a homebuying strategy. For example, if you intend to return to school, you may want to consider houses located near top colleges and universities. On the other hand, if you plan to settle down and start a family, you may want to pursue houses near parks and other family-friendly attractions.

2. Consider Your Financing Options

Buying a house likely will be impossible without home financing. Fortunately, there is no shortage of home financing options available.

Oftentimes, it is beneficial to meet with a variety of banks and credit unions. These financial institutions can teach you about myriad mortgage options and help you get pre-approved for a mortgage.

Once you have your home financing settled, you can incorporate a budget into your homebuying strategy. Then, you can check out available houses and avoid the risk of overspending to acquire your ideal residence.

3. Consult with a Real Estate Agent

Developing a homebuying strategy sometimes can be tough, particularly for those who are crafting a homebuying plan for the first time. Lucky for you, real estate agents are available nationwide who can help you complete a successful homebuying journey.

A real estate agent is happy to meet with you and discuss your homebuying goals. He or she also can review your homebuying strategy and offer expert homebuying recommendations.

Let's not forget about the support that a real estate agent can deliver during the homebuying journey, either. A real estate agent will set up home showings, keep you up to date about new houses as they become available and negotiate with a seller's agent on your behalf. Perhaps best of all, a real estate agent will help you minimize stress throughout the homebuying journey and ensure you can purchase your dream home in no time at all.

If you want to get the most out of the homebuying journey, creating a homebuying strategy is a must. Take advantage of the aforementioned tips, and you can craft a successful homebuying strategy.


A bathroom renovation represents a major decision, especially for those who plan to sell their homes in the near future.

Ultimately, there are many questions to consider before you embark on a bathroom renovation, including:

1. When do I plan to list my home?

Consider your home selling timeline – you'll be glad you did. If you understand when you'd like to list your residence, you can plan home improvement projects accordingly.

If you intend to list your home in the next few months, there is plenty of time to overhaul your bathroom if necessary. Or, if you want to sell your home as soon as possible, a bathroom renovation may slow you down.

2. Is a bathroom renovation necessary?

Although your bathroom may seem small and messy at times, only minor bathroom upgrades may be needed to transform your ordinary bathroom into an exceptional one.

Performing an extensive bathroom cleaning will enable you to eliminate shower scum, wipe down a bathroom countertop and enhance the bathroom floor. Plus, cleaning a bathroom often represents a fast, easy and cost-effective alternative to a major bathroom overhaul.

Furthermore, a home appraisal may help you better understand your house's strengths and weaknesses. After this appraisal is finished, you can identify problem areas in your home and determine whether a bathroom renovation is a priority.

3. How much will a bathroom renovation cost?

The cost of a bathroom renovation may range from hundreds to thousands of dollars based on the size of your bathroom, the renovations that are needed and other factors. As such, you'll want to evaluate the cost of a bathroom renovation to determine how the project may impact your property's value.

Meet with several bathroom renovation experts. That way, you can receive multiple bathroom renovation estimates to see what it will cost to enhance your bathroom's appearance.

Also, you may want to consider do-it-yourself (DIY) bathroom improvements. A DIY bathroom renovation can be rewarding because it will enable you to learn new skills and revamp your bathroom's appearance on your own. At the same time, you'll want to ensure that any bathroom upgrades you complete are done safely and effectively.

Still unsure about whether you should perform a bathroom renovation? Discuss your concerns and questions with a real estate agent, and you may be able to gain unparalleled insights into whether a bathroom renovation is worth your time.

A real estate agent understands the ins and outs of the housing market. He or she can help you assess the pros and cons of a bathroom renovation. As a result, you can make informed decisions about a bathroom renovation and other home improvement projects.

In addition, a real estate agent can serve as an expert guide along the home selling journey. This housing market professional can help you get your home ready and ensure it will generate plenty of interest from property buyers as soon as it becomes available.

Take the guesswork out of a bathroom renovation – consider the aforementioned questions, and you can decide whether a bathroom renovation is right for you.


Buying a house is arguably the most expensive purchase most people will make in their lives. With real estate prices steadily rising year after year, many Americans are finding ways to save on housing.

At the same time, rent prices too are increasing, especially around metro areas where many young Americans are entering the workforce. With costs rising and wages stagnating, it can be hard to find an affordable place to live while still building equity that can be used later on down the road.

One option that many Americans are considering is the fixer-upper route. However, it takes know-how and a lot of hard work to make this method a good choice to save you money. In this article, we’ll tell you how to make certain buying a fixer upper is a good idea and what costs you can expect along the way.

Adding up the costs

Buying a house that needs work means you’ll need to spend a good amount of time calculating costs and getting quotes from professionals. Even if you’re familiar with several home maintenance tasks, there are some jobs that are safer if left to the pros. This isn’t only a matter of physical safety, however. If you start a job that you aren’t qualified to finish you could end up paying much more than if you had just hired a licensed professional to do the job in the first place.

When estimating costs for reparations and renovations, aim high. It’s better to plan for it to be more expensive and have more left over than to underestimate your projects and go over budget.

Get an inspection report

If you aren’t sure whether or not you want to go through with a deal, make sure you have an inspection contingency clause in your contract. This will enable you to back out if the home inspector makes you aware of any costs that you weren’t told about by the seller.

Don’t forget added costs

There are several closing costs you’ll be responsible for as a buyer. Make sure you keep tabs on how much you can expect to spend closing on the home. If you’re going through a mortgage lender, they are required to give you an estimate of closing costs.

Once you know the purchase price of the home and the closing costs, make sure you account for other aspects of your renovations, such as getting required permits.

Borrow wisely

If you do plan on taking out a loan to cover the cost of renovations, be smart with how you get and pay back that money. One option is the FHA 203(k) loan or renovation loan.

Renovation loans help you save on closing costs and simplify the lending process by giving you one loan that accounts for the cost of the renovations and of the home itself.