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Thank you for visiting today. If this is your first visit, take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all your real estate needs.

Financing

This page is dedicated to providing you with up to the minute mortage information. Please use our mortgage calculator and come back often to visit for up to the minute mortgage news.

A crucial part of the homebuying process is identifying the right lender and mortgage product to suit your needs.  However, a thorough evaluation of your financial strength and capability should occur long before you begin looking at homes or making an offer.  

Why is important to get Pre-Approved?

By getting pre-approved you'll be able to know exactly what mortgage product you can qualify for and what type of monthly mortgage payment you can afford.  It is especially important now that banks have become more stringent about their qualification requirements.  Some sellers do not allow potential buyers to view their home without a pre-approval letter.  Furthermore, a seller would be foolish to accept an offer which includes a financing contingency without first verifying that a solid pre-approval document accompanies the offer.  Buyers should pay special attention to the property tax figures of the homes they view because qualification is based on a monthly mortage payment, which usually consists of principal, interest, taxes and homeowners insurance (and sometimes PMI).

Barbara Carter and her team have featured local lenders that can help you getting pre-approval and information to apply for a mortgage.

agent photo

Barbara Carter
RE Associate Broker
Century 21 Alliance
Realty Group

203 Main Street
New Paltz NY 12561
Cell: 845-505-3160  
Office:845-297-4700
Barbara@NewPaltzRealEstate.com




2015-2016 Century 21 Centurion Award
2014 Century 21 Quality Service Award
2015-2016 Century 21 Quality Service Pinnacle Award
2015-2016 Century 21 Presidents Producer Award
2015-2016 Hudson Valley Magazine "Five Star Professional Real Estate Agent Award"

Testimonials

It's important to know oneself when choosing a realtor. Knowing that my wife and I would be buyers that need a patient and highly responsive agent, we met with several experienced realtors before choosing Barbara Carter. We chose Barbara in part because of her excellent reputation and in part because of her extraordinary knowledge of the mid-Hudson Valley market. But most of all, we just knew that Barbara had the warm and conscientious personality we could work with. In every way, Barbara exceeded our expectations. Ours was a two year process to find the right home. We started with one idea and ended with a very different one. Dozens of properties were visited. Throughout the process, Barbara was remarkably patient, carefully listening to and responding to our evolving criteria. She was quick to bring newly listed properties to our attention. If we had questions about a property, she was quick to get us answers. Property after property, Barbara never wavered. When we found what we wanted, a number of complexities unfolded. Most were unexpected and many would have rattled a less experienced realtor. It is here that a buyer wants a real pro, and Barbara skillfully guided us through the details of a very challenging 6 month offer-to-closing process. Often she did much more for us than her professional duties required. From the first day we started looking for a home to the day of closing, Barbara never missed a beat. She is a total professional . Eugene Lebwohl
Having Barbara Carter as your Realtor is equivalent to the ultimate professional, successful, and pleasurable real estate experience. My house was on the market with another agency for over a year and no offers were achieved. When Barbara became my agent; a marketing report was generated within days, proper pricing was achieved, and three bids were received within the first week. From the first days of showing to the actual closing on the property, Barbara was brilliant and enthusiastic about all matters related to the sale of my home. Her attention to detail, knowledge of the market conditions, willingness to share her wisdom, high standard of ethics, and generosity of spirit are the best I have ever experienced. Barbara Carter receives my absolute highest level of recommendation. Marda Reid
It was our great pleasure working with Barbara.Barbara is very professional, informative,honest hard working and all the good qualities.She will get you a beautiful home for your money in a nice environment. Barbara had found a dream home for me and my husband in a short period of time.She did not only sold us this house she chose a home that she likes for herself too. We fell in love with the house and made our decision the first time we saw it.I would highly recomend Barbara she is the BEST.Thanks again Barbara. Deneise Clacken
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