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Karen's Blog Articles

Today’s Mortgage Rates Impact Your Home Purchase

If you’re planning to buy a home, it’s critical to understand the relationship between mortgage rates and your purchasing power. Purchasing power is the amount of home you can afford to buy that’s within your financial reach. Today’s Mortgage Rates Impact Your Home Purchase.  Mortgage rates directly impact the monthly payment you’ll have on the home you purchase. So, when rates Continue Reading

Who to Notify of Change of Address

After Closing; Who to Notify of a Change of Address?

  After Closing; Who to Notify of a Change of Address? Exciting news you closed on your new home. A set of keys are in your possession.  Now what?  As a new homeowner exciting memories await you.  With that in mind, the move-in process begins with a myriad of activities demanding your attention. Besides changing the lock(s) on your doors.  Often overlooked are a few Continue Reading

Apartment Therapy: Common Landcaping Mistakes to Avoid

Curb Appeal sells. Our first visual impression about a home is formed within 30 seconds and it’s the exterior photo or a drive by that makes the judgement. That is why homeowners should have a Master Plan to enhance the desirability of the exterior of the home. Home Buyer’s consistently rank outdoor spaces and privacy as one of the top features they are looking for. So, creatively expanding the Continue Reading

Home Inspection

Home Inspections

Home inspection time is usually when home buying process "gets real" for buyers. Generally, they’ve taken the time — months, sometimes years — to find “the perfect home”.  Now, the inspector is going to come in and expose all the underlying warts of the home.  However, as their trusted agent you have their back and will guide them through the process.    Hiring a licensed Continue Reading

Fall Maintenance Check List

Fall Maintenance Check List The September fall equinox arrives when the sun crosses the celestial equator, the imaginary line in the sky above the Earth’s Equator from North to South.  We already see and feel the waning sun as a reminder that winter is coming.  Thus, while your energy reserves are stored, it is time to tackle the Fall Home Maintenance Check List. Check List Do Continue Reading

When a Pre-Approval Is Not a Pre-Approval

As a good rule of thumb, it’s always in a prospective buyer’s best interest to get a pre-approval for a mortgage when making an offer on a new home, but it’s especially important in a tight, competitive market. Why? In essence, it gives sellers relative assurance that you’re financially capable of purchasing the property they’re selling—something that a verbal commitment just can’t do. Getting Continue Reading

Plan Today In Preparation of Tomorrow

Life is too short to spend too much of our time worrying about ourselves or a loved one becoming ill or dying. There’s no escaping the inevitable, however, and it’s extremely important to prepare for anything and everything to ensure that our wishes and the wishes of our loved ones are carried out. When it comes to assets and belongings the best preparation starts with a list. It should be Continue Reading

New Interpretation of the “Ability to Pay Rule” and a Surviving Family Member

“Pitt’s income tax” by James Gilray (Life time: 18th century) – Original publication: Cartoon Immediate Source Losing a close friend or family member can be very difficult on an emotional level, however it can also be challenging from an estate management perspective as well. In many cases, surviving loved ones must quickly learn the financial and legal ramifications involved with Continue Reading

Location, Location, Location

Real Estate Mantra Location, Location, Location Lookie loos, prospective buyers and real estate professionals all enjoy exploring available homes in all shapes and sizes, both near and far.  We delight in fantasizing and dreaming big.  When it is time to get serious and purchase a property. Not all home sizes and locations will meet our design aesthetic, personal needs, or budget. A Continue Reading

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124 Hudson Street
New York NY, 10013


Karen Kostiw
(917) 524-4152 Cell
(212) 327-9622 Office
(646) 422-4083 Fax

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