Dental Implants; What is a natural bite worth?

Posted on May 29, 2015 by Uncle Mike

Normally, dental implants can cost a lot more than other options for replacing missing, or lost, teeth.  Typically, the procedure can cost anywhere from $3,000 to $5,000 for just one tooth, according to an article posted at Time.com.

And, if you happen to need any additional surgeries, such as jaw-strengthening procedures, or an added amount of images or x-rays, before you are able to receive the implants, the price may increase even more.

The cost of receiving dental implants can be based on a variety of factors such as, the number of teeth you may need to have replaced, or whether or not your insurance will cover the cost of what surgeries may need to be done. As a result, it’s important to discuss the available options with your dentist, before deciding whether to purchase the dental implants.

Then, once your dentist has examined your teeth, and decided whether you will or will not need to have them replaced, he or she should be able to give you an idea of what the total cost should be.

But, if it sounds too expensive, don’t panic. Some dentists will provide their patients with financing options, and, the cost may also lessen if you only need to have a few teeth replaced, as opposed to several.

Although it was less likely for insurance companies to cover the cost of their customers’ dental implants a few years ago, some insurance companies have also now begun to cover the procedure, due to an increase in the popularity of the surgery.

Yet, if you should find that your insurance plan does not cover the surgery, there may be a few other cost-saving methods, which may help you save money, as well. One way to save money includes shopping for additional dental insurance plans at discounted rates; seeking out the ones that do offer the coverage to consumers.

Reportedly, Careington Care Dental, and www.Brighter.com, are two plans which offer discounted rates on dental implants to their customers, which may range anywhere from 10 to 30 percent.

And, if that doesn’t work, try some additional methods for saving money like, traveling out of the country in order to find a dentist who may perform the surgery at a cheaper rate, or, keeping an eye out for special clinics at dentistry schools, or local non-profit organizations in your area. Recently, students who have just graduated have been seeking the opportunity to put the recent methods they’ve learned to good use, and it is highly likely one would be willing to perform the dental implant procedure at a low rate, or possibly at no cost at all, just to get the practice. Recently graduated students may be more likely to perform the procedure at a cheaper rate, than a dentist who has been established for a long period of time.

Subsequently, if you’re still having trouble affording the cost of dental implant surgery; try to raise the money by asking your friends and family members for a loan to help you with the cause. When it comes to maintaining your health, the people who are closest to you may be willing to help, which could help reduce the cost of your implants, at least in part!

Finally, remember to get several different opinions, and estimates, from dentists regarding the cost of receiving your dental implants; then choose the best one that will work for you! Hopefully, these few tips will help you in your search! Good luck!

Author; L Dumas

5/29/15

Tags; Rochester NY Dentist Implantology

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Rochester Dental Implants

Posted on May 29, 2015 by Uncle Mike

Several adults may one day face the problem of having a missing tooth, due to a variety of factors, such as the aging process, an unsuccessful root canal, accidents, or other reasons. However, in case you one day face the problem, it’s important to realize that, today, there may be several options to replace lost teeth which are available.
Most recently, dental implants have become one of the most popular methods used by dentists to replace missing teeth. And following behind at a close second, are methods involving bridges and dentures.
A dental implant requires an orthopedic surgeon to surgically implant a replacement tooth into the jawbone of a patient, by placing titanium rods into the place in the jaw where the normal root of a tooth would be. As a result, most dentists say this causes the implant to look, and behave, more like a real tooth than other dental options would, since, over time, the rod actually begins to connect to the jawbone, as though it were actually the root of your original tooth.
If you are considering whether to purchase dental implants as an option for tooth replacement, here are a few pros and cons which may help you along the way!
The Pros
Most dentists say the best thing about dental implants is that, the replacements the implants provide will be the closest fit to your original teeth you will find. They’ve also said that dental implants have more strength and durability than bridges or dentures, which will allow the fixtures to stay in place, and patients to avoid problems such as spaces between the teeth or struggles with talking or eating, which is something they may experience with bridges or dentures.
Dental implants may also stop the jawbone from deteriorating, once the fixtures for the replacement teeth have been applied, according to dentists. The implants also have additional benefits, such as no movement of the new teeth, since they will be secured in place, and are unable to become loosened.
By comparison, bridges and dentures may need to be replaced more often than dental implants; at about every 10 years, compared to only every 20 years for dental implants.
The Cons
The biggest con which usually factors into whether or not patients decide to replace their missing teeth with dental implants is the cost. Normally, the cost of receiving dental implants is more than other simple procedures, such as acquiring bridges or dentures. Yet, some dentists offer financing options for their patients, and the price may vary, depending on whether you may only need one replacement tooth, or whether several teeth need to be replaced with the implants. So, be sure to ask your dentist what types of financing or payment options he or she may have available, if you are considering purchasing implants, and are concerned about the cost.
Another concern patients who may be considering purchasing dental implants, should be aware of is, the time it will take to complete the procedure. Usually, the process involves multiple surgeries, and an additional several months of waiting for the implant to finally link to the jawbone.
And, as with any major surgery, you’ll want be aware of all the risks which may be involved with the surgery, such as possible infection in the implant, and whether any additional surgeries may be needed in order to strengthen the jaw, in order for it to support the implants. If you do receive dental implants, and happen to face any problems with the implants, they will likely have to be removed, and the problems fixed, by your dentist.
As a result, it’s very important to look for both a reputable, and well-trained, dentist when you are considering purchasing dental implants. That way, you will be sure to find the most capable dentist for the job.
In the long run, if you are considering purchasing dental implants, use these pros and cons to help you in your search to find the best options available! Good luck!

Author; L Dumas

5/29/15

Tags; Rochester NY Dentist Implantology

 

Posted in Rochester NY Dental Implants, Rochester NY Dentists | Leave a comment

Problem Solving Your Rochester HVAC Unit

Posted on May 29, 2015 by Uncle Mike
Over time, and as the seasons change, you may notice that your heating, ventilating, and air conditioning (HVAC) system has become less efficient, when it comes to heating or cooling your home. However, don’t panic! Here are some tips to help you decide whether you may need to replace your entire HVAC system, or whether you may only need to acquire some usual maintenance and/or make repairs to the system.
  1. Don’t jump to conclusions. Don’t automatically assume you need to replace your entire HVAC system, if it seems the unit has not been functioning as it once was. Otherwise, you may set yourself up to unnecessarily spend money on purchasing a new system, when you could have had other options instead. Be sure to consider all of your options, whenever possible, before purchasing a new system. An HVAC professional can tell you whether the system simply may need repairs, or whether it may be time to purchase a new unit.
  2. Pay attention to any increases in fees you may have paid for your electric. If the amount of money you’ve spent to cool your home during the summer this year, is more than the amount you spent last year (and you’ve kept the temperature settings the same), you may have a problem with your HVAC system. Fluctuations in the cost of your electric is one way to tell whether your system may need maintenance, repairs, or maybe even, to be replaced. And, in addition to the higher payments, you may sometimes also see a large amount of liquids leaking from your HVAC unit. If that is the case, it may be a sign that your system is in need of repairs.
  3. If your unit sounds like there’s something different, there probably is. Listening for strange, or loud noises, coming from your HVAC unit, is one of the primary ways to tell when something is wrong. If you are hearing noises, or smelling something strange, it’ s likely a sign that your system may be in need of repairs, or that there may be a certain mechanism within the system which may need to be replaced. And, if you begin hearing strange sounds more often, and over long periods of time, it is likely a good time to call an HVAC technician, to check out the situation. In fact, you’ll want to call a technician as soon as possible, in order to avoid allowing the potential problem to get worse. Calling a technician promptly may help you avoid purchasing a new unit, which may be costly, instead of making a simple repair.
  4. Think about how long you’ve had your HVAC unit, and whether it still has enough life left in it. Most HVAC units will last about a decade. So, think about how long it’s been since you’ve purchased a new unit, and whether or not it seems like it may be time to retire the unit you already have. If you do have an HVAC unit that you’ve had for a decade, or longer, be sure not to overuse the unit, because you may risk the damaged unit becoming dangerous over time. Some failing units may even begin to contaminate the air in your home, instead of replenish it. As a result, if you feel your system has outlasted its usefulness, think about having a specialist look at the system, and possibly acquiring a new one.
In the end, it’s always a good idea to keep these tips in mind, when deciding whether it’s time to purchase a new HVAC unit for your home. Be sure to think through all your decisions, and spend time finding the right method for solving any HVAC problems you may have in your home! Good luck!

Tags; Rochester NY Heating and Air Conditioning Contractors

Author; L Dumas

Yellowpagecity.com

5/29/15

Posted in Rochester NY Heating and Air Conditioning Contractors | Leave a comment

Jewelry Design Rochester NY

Posted on May 11, 2015 by Uncle Mike

Jewelry design is riding a crest of popularity more than ever before. If you go to an art show or craft fair there are usually more jewelry designers than any other artisan present. When you are looking for a jewelry designer in Rochester NY to create something unique for you, where do you look? Well the good news is that is no shortage of good designers or where to go to find them! Depending upon the complexity of your project, your budget, and how soon you need the item, you will have no problem finding jewelry designers in Rochester NY! 

The Search Begins 

The obvious choice is the internet or yellow pages. Just Google “jewelry designer” you might also check the Artisans Guild of Rochester NY or Monroe County. Other options are to check the Art Fair /Craft Show listing for the local area. Like we said, in this region there are a lot of jewelry designers. You just need to narrow your search. 

Start with a Sketch 

Once you find an artist, you’ll want to visit their studio to see the work in person. Call that artist and discuss your project ideas. A good way to start is with a sketch of what you envision. The artist should be able to take your idea and expand upon it. At the same time, a simple pendant design may require no special skills but if you’re looking for something complex such as ornate rings or bracelets you may need an artist who has specific experience.

You’ll note that some artists work for a flat fee, based on estimated hours of work or a percentage of the retail price of the finished jewelry item. Other artists prefer to set an hourly rate and if this is the case, be sure to get a firm estimate. That way, if the artist isn’t able to create the design in a reasonable amount of time, you’re both free to cancel the work.

Budget before Beauty

Every city has an arts district and Rochester NY is no different. The Anderson Arts building is a good starting point as is Village Gate Mall which is right next door. Most jewelers in these kinds of neighborhoods carry their own jewelry, exclusively. For a price, they’ll create unique pieces for you, too. The decision is juggling your vision versus what the cost will be. Once you’ve located a few designers in your price range, the next issue is the metal they use.

(Not so) Precious Metals

Some jewelers in Rochester NY work with less expensive metals such as copper, bronze, and silver. Although the techniques are generally the same with gold or silver, your designer should be familiar with the metal that you want. Further, special equipment may be necessary. Gold can be worked with hammers and other hand tools, but the design that you envision may need to be cast. Casting metal, especially gold, is a very different process from a simple hammered or an engraved band.

The Finished Product

Jewelry does not have the repeat-buy ratio that other items do. But it’s always good to remember who you bought from. Diamonds may be a girl’s best friend, but jewelry designers certainly make good company as well!

Tags; Rochester NY Jewelry Design

Author; Yellowpagecity

5/11/15

 

Posted in Rochester NY Jewelry Design | Leave a comment

Rochester NY Janitors Service, Professionals make the Difference

Posted on May 11, 2015 by Uncle Mike

Finding a janitor service is tougher than it looks. It’s a dirty, thankless job and it’s not easy to find trustworthy and consistent employees who don’t mind turning up their sleeves and come to work every day. In Monroe County there are several professional organizations and many independent contractors that are dedicated to cleaning up your mess. As a potential customer, you need to find out whether the janitorial service you select is motivating their personnel to provide you with great service. You want a full package of service. Not just someone who will sweep your floors.

The Big Picture

Many janitorial companies hire janitors and simply pay them by the hour. There is a serious problem with this approach because hourly workers are not given any incentive to please you or to try to satisfy you for the long term! If the janitor does not perform they may get transferred to another account or worse yet get terminated. As a result, hourly workers often fail to provide quality service. You can see this type of worker everywhere from fast-food chains to department stores and it’s not pretty. These are the employees who fail to restock the toilet paper in the men’s room or forget to take out the trash in every office.

Conversely, the most effective way for a janitorial service to attract and retain good janitors (and the ones you should seek out) are companies that provide their employees with financial incentives to perform better. Some companies offer “ownership” of janitorial accounts to their cleaning personnel whereby they share in the profit if they retain an account for a certain period of time. Under this model, cleaning personnel are very interested in keeping you satisfied long term.

References

Ask the janitor service for references and take the time to contact them before you sign on for any cleaning service. The best way to avoid wasting time hiring and firing poor janitorial companies is to actually call the references! A reference can tell you more in a minute than a salesperson will in an hour. Furthermore, consider the hiring process of the company you may be dealing with. Does the janitorial service generate a lot of applications, or do they use anybody that walks through their front door? Do they hold screening interviews? Do they perform background checks? Do they train their employees? These are all steps janitorial companies can take to make sure they’re sending quality people out on the job.

Integrity

Integrity may seem like an odd quality when we’re talking about cleaning a toilet. But you want an employee or an entire janitor service to have a sense of ownership in what they are doing. When problems arise, you want to make sure that the person responsible for managing your account is genuinely concerned with providing consistent, quality service. This person needs to be committed to quickly resolving your problems in a manner that is satisfactory to you.

Protection

Ask each janitorial service that you interview if they have general liability insurance. If they say yes, ask them to send you (directly from the insurance provider) a certificate of general liability insurance so you can verify that the policy is currently in force. If they say no, then you should consider not hiring this janitorial service.

The purpose of the liability insurance is to cover any losses that arise from injuries or damages associated with the janitorial company’s cleaning of the building. For example, if a customer slips and falls on the bathroom floor while the janitor is mopping, the janitorial company’s liability insurance policy should cover the costs associated with the customer’s injuries.

A Clean Sweep

Again, your janitorial service is only as good as the people who clean your home or building. In Rochester NY you want individuals that are committed to doing the right thing day in and day out. You don’t want mistakes to be swept under the carpet!

Author; Yellowpagecity

5/11/15

Posted in Rochester NY Janitors Service | Leave a comment

Rochester NY Investigators aka PI’s

Posted on May 11, 2015 by Uncle Mike

Not all private investigators fit the description of Colombo: the old image of a P.I. wearing wrinkled clothes, sporting baggy eyes from lack of sleep and chewing on a old cigar is the stuff of television. Today’s private investigator industry is high tech and any investigator worth considering need to be trained and certified. In Monroe County there are many professional private investigators. Finding the one that meets your needs and budget will take a bit of investigating on your part as well.

The Usual Suspects

You need to find a private investigator and not just any private investigator. There are many ways to do this. Obviously if you have any friends who may have had a similar investigative need, you might try getting the name of the investigator that was used. Or you can go to the licensing organization for private investigators in New York state (einvestgators.com for example) to find the names of several possible private investigators through the contact information obtained from their directory. A Yellow page listing their qualifications also makes a good starting point. Make a list and start making calls.

Qualifications

Before you jump right in and start telling the investigator about your needs, there are a few things that you need to be asking him or her. It’s important to know the licensing requirements for an investigator in Monroe County. You should call the licensing board directly, as sometimes online databases are not up to date. Is the person’s license displayed in a conspicuous place in his/her office?

And just because someone is licensed doesn’t necessarily mean they are good-to-go. Have any complaints been filed? Ask how many years of experience does the private investigator have. And what’s more, how much experience does he/she have relevant to your particular type of case or better yet, how many cases like yours did the private investigator handle in the past year? And finally, does the investigator have any references from people whom he has worked for on cases similar to your own? You should definitely ask. The answers to questions like these help you separate the pro’s from the wanna-be’s.

Credibility

You can bet that an investigator will likely check you out a bit before doing any work for you. That said, you should do the same to him. Website’s for private investigator’s don’t generally have a testimonial page with quotes from previous clients, but the county public records very well may. So check them out. You can discover if the investigator has any DUI offenses or criminal record or has ever declared bankruptcy. The absence of these may not mean he/she is a good private investigator but it does shed some light on the type of person you are working with.

Fees 

It’s always good to know if a retainer is required. What will the fee structure be? You should not be surprised to hear that most private investigators charge an hourly rate and additionally expect to be paid a retainer fee. Ask for an estimate on the total charges for the case. Furthermore, will the private investigator charge you for disbursements (photocopying fees, telephone calls, and travel expenses)? Does he offer you a written contract that is easy for you to understand?

Case Closed

As you can see, finding a qualified private investigator in Rochester NY is a little more complicated than what you see in the movies or television. You’re dealing with personal information and people’s lives (including your own). You owe it to yourself to spend the time to investigate on your own so you find a qualified professional that will work for you and with you until your case can be closed.

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Shopping for a Mattress?

Posted on May 11, 2015 by Uncle Mike

It’s not an exaggeration to say that a person probably spends about 1/3rd of their lives on a mattress! That mileage may vary depending on how many hours one sleeps each night, but it’s easy to see that a mattress is one of the most important furniture items in a home! In Monroe County, there are dozens, if not hundreds of variables involved when it comes to purchasing retail mattresses. Do you buy online? At a specialty store in Rochester NY or at a big Department Store? Each may have its benefits, but at the end of the day, what counts the most is that you’re getting a good night’s sleep!

Shopping Around

You’ve seen some ads, checked some websites and pinpointed some stores. Your next priority is to set aside some time to properly try the mattress in person. Remember: buying retail mattresses is like driving a car: you need to get behind the wheel. Or in this case you need to get under the sheets! Set aside an afternoon to go mattress shopping.

Believe it or not most of the better stores will have a process in place to help you find the right mattress. But the key is to take the time to try the mattresses out.

Once you’ve narrowed down which retail mattresses offer the proper support and relieve the most pressure, it’s important to spend some time on that mattress to make sure it works for you. If you’re having trouble deciding between two mattresses, spend several minutes on each one. Whichever mattress supports you longer in a given position (without you tossing and turning) is likely the better mattress. Give the mattress a workout.

Check for Proper Support

This means being in proper alignment from head-to-toe. Also check for comfort, which is a feeling of no pressure to the sensitive parts of your body like shoulders and hips. Keep in mind that mattress specialty stores tend to give you better service, while online stores tend to give you better prices to start. Shop around and take advantage of price-to-beat guarantees. Since online prices tend to be lower, make the brick and mortar store beat their prices to earn your business.

Price vs. Comfort

A quality mattress and box spring can run as little as $800.00 to as much as several thousand. If you are looking for foam than expect to pay even more. It all comes down to price versus comfort versus what you are willing to pay. If you consider the lifespan of your mattress (at least 5 years or more) that puts the price into somewhat better perspective. Just divide the price of the mattress by 12, 24, 48 or 72 months and it’s almost like you are purchasing a car.

Good Night

Monroe county has a mattress out there with your name on it. Take the time to visit a variety of stores and don’t be in a rush to purchase the mattresses you find. Sometimes you literally have to “sleep on it!” Your dreams of Rochester NY will be a lot sweeter thanks to a sound mattress investment and a good night’s sleep!

Tags; Rochester NY Mattresses and Bedding Retail

Author; Yellowpagecity

5/11/15

Posted in Rochester NY Mattresses and Bedding | Leave a comment

Rochester NY Video Production Services

Posted on May 11, 2015 by Uncle Mike

Lights, cameras, action! In Monroe county, the first step in selecting video production services is deciding what video or videos you need and how you’ll use them. Are you shooting video of your wedding or family event or is video to be used as a marketing tool? The second step is deciding between a production company, a freelancer or an agency. In Rochester NY, you can find the right video production service, you just need to get your priorities in order and stay focused (no pun intended)!

Your Vision, Their Production

Video production services are a dime a dozen until you actually see the product. These days most video production services shoot on HD video. The easiest method of deciding if the video production service is a good fit is to check out the company’s work online and look at their product reel. The product reel shows examples of the studio’s best work. Next, talk to them about how they approach projects, turnaround time and the type of equipment they use. And above all, make sure the studio can accept your vision or idea and translate it into useable video. And finally, you want to know how much it will all cost. And that means you have a decision to make. Some studio’s charge a flat rate by the project. Others charge by the other and still others charge by the minute (of video shot/produced). Which is why a lot of times people settle for friends or family members.

This is Art?

Production value is important and should match the creative concepts of you. It doesn’t matter if you are shooting a wedding or your son’s First Communion, the studio should use a tripod. The video should be stable and in focus. If the end product looks like it was shot during a earthquake then obviously you’re going to have issues. In other words, stay away from production companies that don’t produce the kind of work you’re looking for. For example, if you want comedy videos, go with a production company that has comedy directors and funny videos they’ve produced. Otherwise, even the best ideas will fall flat.

Online/Offline

Most video production services in Rochester NY cross-pollinate with other production houses if they need special effects work done or something that really is a niche item for your video. Spell out to your producer if what you need will go online or is for private use only. Social media concerns might not matter if it’s your wedding we’re talking about. That said, most video production companies in Monroe county are great at producing a variety of video content. Some develop ideas, some don’t. But they all are professional of some capacity.

That’s a Wrap

In the end, it’s all about you and your idea. You want the video product service you select in Rochester NY to respect your idea and produce what you want in a professional manner. Even the simplest idea can look like a Hollywood blockbuster if the right care and equipment are involved!

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Rochester NY Real Estate Appraisers “Get a Pro”

Posted on April 9, 2015 by Uncle Mike

So just how much IS that house of yours really worth? Seeing as how your house is probably your biggest single investment it is really important to get it appraised properly to get the best return on your money! In Rochester NY, a key factor in that equation is finding a qualified real estate appraiser. This is the person who knows the business and will work for you. Monroe county is a great market and there is no better time than now to get your home appraised.

Qualified and Certified

As you are doing your research and poking around, keep in mind that a professional real estate appraiser must be licensed or certified by the state. This is no easy feat. You’ll be interested to know that in order to become licensed an appraiser must have 2,000 hours of experience, 90 hours of classroom education and in addition he/she must pass a state exam! Certification on the other hand requires an additional 30 classroom hours, plus an additional 500 hours of experience. Those types of numbers just can’t be faked. Most appraiser websites will also list such things as training, areas of specialization, how long they’ve been in business and which associations they belong to. True to form and like anything else you research, it’s a good idea to make a list of 4-5 appraisers.

Call, Visit and Watch

The only way to narrow your list down is to visit the appraiser in person or have them come out to your house in order for them to view your property. Once you find an appraiser, hang around while he’s doing the job. Watch what he’s doing and feel free to ask questions. Ask for a copy of the appraisal. Unless you hired the appraiser yourself you won’t automatically get one.

Generally the appraiser will come in with a higher value than the tax assessor will. Most appraisals should come within $5,000 of comparable homes in the neighborhood. Appraising real estate isn’t rocket science — what one appraiser sees as a plus another may see as standard. The appraiser is not a home inspector but they need to know the general condition of your house, septic systems and other environmental issues. So it’s normal that they’ll be measuring and checking out the structure.

Keep the Paperwork

Be sure to ask for a copy of the appraisal. A full-fledged appraisal will give you a combination of the “comps” and the specific condition of your own house. “Comps” are a value comparison of comparable houses in comparable condition in your neighborhood. The appraiser will check what the other houses have sold for in the past 12 months. The specific condition of your house refers to its age, size, roof, foundation, whether it has lead paint and other factors.

Finally, most appraisers should spend at least one or two hours on your property and several more hours in their office arriving at the value of your home. It’s not impossible to find a professional real estate appraiser in Rochester NY. Do your research, ask the right questions and you’ll get your money’s worth and then some!

Author; Yellowpagecity

4/9/15

Posted in Rochester NY Real Estate Appraisers | Leave a comment

Rochester NY Mortgages “know your options”

Posted on April 9, 2015 by Uncle Mike

In Monroe County there’s no better time than now to be looking for great real estate deals!  Assuming that you have a positive credit rating and feel financially secure, you shouldn’t have any issues securing a real estate mortgage. But which type of loan is right for you? Whether you’re looking to upgrade your current home, buy your first home or start buying rental properties in Rochester NY, you’re going to need to be savvy when it comes to financing. So pay attention. School is now in session!

Traditional Methods

The traditional route taken through banks, credit unions and other home mortgage companies is a secure way to finance a real estate investment. Rates are currently hovering around 4.25% for a 30-year fixed or 3.75% for a 15-year fixed rate. Be aware that traditional lenders have tightened their lending criteria. Most require a credit score of 680 or better for approval.

Seller Carry Back

This method is a form of owner-financing in which the seller agrees to carry the note for your purchase. This will happen when you find a seller that owns his/her property free and clear. They don’t want the property anymore, but they don’t mind receiving a monthly payment on it. Most of the time, however, the seller will place a time limit for when the note must be paid in full, typically, between one and five years. This is a great way to finance a real estate investment as long as you realize you’ll need to refinance later.

Seller Second

The “seller second” means that the seller provides a second mortgage. Typically, the second will be just large enough to cover most of the down payment. For instance, if you know you’re pre-qualified for a loan that will require a 20% down payment, you should make an offer contingent on the seller carrying a note for 20%. This way, you will get into the property without using any of your money and the seller gets the bulk of his equity and makes the deal.

Lease option

The lease option allows you to get into the house for little to no money down, and it gives you the right to buy the property down the road, typically, in two or three years. This time period will give you ample opportunity to procure financing. Also, often you can arrange it so a portion of the monthly lease payment will go toward the balance of the home.

In Monroe County, real estate loans can be your best friend or worst enemy. The money is out there. Lenders would have you think that there is some big secret to getting a real estate loan, but how you find the loan and how you acquire it depends greatly on your credit score and your willingness to make phone calls and visit lenders. Once the lender understands that you are in good shape financially, the loan will come faster than you think. Just think before you borrow and the world will be your oyster!

Author; Yellowpagecity

4/9/15

Posted in Rochester NY Mortgages | Leave a comment