#1. Where To Live
Most important is, where you will want to live. What part of the village best fits your lifestyle? How far do you want to commute to work? Is shopping nearby? must it be a walking town, what should you put on your wish list? Are you a heediker or cyclist? Do you need recreation space? Be specific!
#2. Meet With A Loan Officer
Meet with a loan officer or financial advisor to determine your affordibility. You will need to be pre-qualified for a mortgate. You will be asked about your income and debts. Have that information available upon your first visit. figure out what will happen after your apartment purchase. You never want to be house poor. Do you plan to have children in the not-so-distant future? A mortgage person or financial planner will advise you on how much you can afford to spend now, but he won't know what is going to happen to your life in the future. If you can pay less for your first apartment than you can afford, you'll have money left over for your savings.
#3. Interview Real Estate Agents
You will want to find a real estate agent. One who is familiar with the market. She can also negotiate for you in order to get the best possible price for the apartment and will complete the stacks of paperwork involved with the purchase. Make sure you look for an agent who will represent you as the buyer, and not the listing agent, you met at an open house, whose fiduciary responsibility is to the SELLER. Remember, it is always the seller who pays the commission to both agents, therefore, it is most important to work with a buyer's agent.
#4. Think About Your Offer
Your realtor will write an offer on your behalf once you've found a property you're interested in purchasing. She can help you determine a fair opening bid and remind you of any extra amenities that you may ask to have included. Your agent will discuss whether you need to include any contingencies, making your offer dependent upon securing an acceptable mortgage asa well as a home inspection. After it is complete your offer will be sent to the seller's agent, or to the homeowner if he is working without an agent, ask to be kept informed about any negotiations.
#5. Consider All Costs Involved
Be sure to ask what the actual cost is to buy your apartment. Often 1st time home buyers are aghast to learn that their initial purchase is going to involve more than the down payment. Ask your loan originator to prepare a "good faith" estimate which will include all fees pertaining to the purchase. Inspection, loan-origination, up-front points, application fees, title search and title insurance, homeowner's insurance, recording fees, appraisal fees and attorney's fees. These fees can add 3 to 8 percent to the final purchase price.
#6. Find Out About Ongoing Costs
Ask to see copies of the previous homeowner's utility bills, property taxes, repair bills, insurance and bills for services such as trash disposal. Ask about the cost of any home association fees you may have to pay. Don't forget to figure these expenses into your monthly budget.nbsp;
Tarrytown shares it's public school system with it's close neighbor Sleepy Hollow. There are also parochial schools in the area, as well as Hackley, a private school, and The EF International School of English. For more information on public and private schools, colleges and libraries click here.
Tarrytown offers a very active recreational department servicing every age group. Activities include AYSO Soccer, TNT Baseball League, men's softball leagues and more. There are also weekly and monthly markets, festivals and concerts in the parks. The village maintains several parks including Patriot Parkon Broadway near the Warner Library, Pierson Park on the waterfront with tennis courts, basketball courts and picnic areas, and Losee Park with lighted softball and baseball fields, also directly on the Hudson River. Tarrytown also has two well equipped marinas run by the the Tarrytown Boat Club & theWashington Irving Boat Club and a public boat launch. For a full compliment of activities click here.
Houses of Worship
Religious congregations in Tarrytown include Christ Episcopal Church, Church of the Magdalene, Church of the Transfiguration and Temple Beth Abraham (Reform). For more information click here.
Tarrytown, NY Facts & Figures
Population of 11,415 people and two constituent neighborhoods, it is the 166th largest community in NYS.
- Tarrytown's population hold mostly white-collar jobs, 90.23%, well above the national average.
- Tarrytown is home to Artists of all genres: theatre, fashion, and people in all media.
- Tarrytown's concentration of artists helps shape the Village's haracter.
- Tarrytown’s crime rate is among the lowest in the U.S.
- Tarrytown's commute to NYC is 30 minutes.
- Tarrytown is a very ethnically-diverse village.
- Tarrytown also has a high percentage of its population that was born in another country: 21.83%.
- Tarrytown is one of the more educated communities in America, with a full 55.75% of its adults having a college degree or even advanced degree, compared to a national average across all communities of 21.84%.
The per capita income in Tarrytown in 2010 was $51,529, which is a wealthy relative to New York and the nation. This equates to an annual income of $206,116 for a family of four. However, Tarrytown contains both very wealthy and poor people as well.
Tarrytown, NY Information and Links
- IRVINGTON UNION FREE SCHOOL DISTRICT IRVINGTON, NY Schools
- UNION FREE SCHOOL DISTRICT OF THE TARRYTOWNS SLEEPY HOLLOW, NY Schools
Public Schools Located in Tarrytown, NY
- JOHN PAULDING SCHOOL 10591
- Serves Grades: PK-KG
- TAPPAN HILL SCHOOL 10591
- Serves Grades: PK-KG
- WASHINGTON IRVING INTERM SCHOOL 10591
- Serves Grades: 03-05
Tarrytown, NY Zip Codes
- 10591, 10533
Tarrytown, NY Links