Find First-Time Home Buyer Specialists in Irvington, NY
Compare first-time home buyer specialists in Irvington. Review contact information and insurance categorys before you decide.
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State Mortgage Licensing Authority of New York before hiring.
Showing 13 first-time home buyer specialists in Irvington, NY
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A first-time home buyer specialist in Irvington New York can guide you through the complex process of purchasing your first home. New York State offers a Mortgage Tax Credit program that allows eligible buyers to claim a tax credit on mortgage interest. Working with a local specialist helps you understand Irvington market conditions and New York specific disclosure laws.
What Does a First-Time Home Buyer Specialist in Irvington Cost?
Typical costs for a first-time home buyer specialist in New York range from 2.5% to 3% of the purchase price as a commission, often paid by the seller. Additional fees include attorney costs of 1500 to 4000 dollars, appraisal fees of 400 to 700 dollars, and title insurance averaging 0.5% of the purchase price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a first-time home buyer specialist do in Irvington?
A specialist helps you navigate the home buying process including pre approval, property search, and contract negotiation. They also explain New York specific requirements like the mandatory attorney review period and property condition disclosure.
What New York programs help first-time home buyers in Irvington?
New York State offers the SONYMA mortgage program with low down payment options and the Mortgage Tax Credit certificate. Westchester County also provides down payment assistance for qualified first-time buyers in Irvington.
How long does the home buying process take for a first-time buyer in Irvington?
The typical process takes 30 to 60 days from accepted offer to closing. New York law requires a 3 business day attorney review period after the contract is signed, and the lender must provide a Loan Estimate within 3 business days of application.