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Welcome to AntonioGagliardiNY.com

I belong to a network of over 140,000 professionals who take pride in what they do and specialize in providing a variety of superior real estate services to local communities around the world. Understanding your personal goals and needs is at the heart of my dedication to you. I look forward to discussing your real estate needs with you.

CENTURY 21^® is the most recognized name in Real Estate today¹. For over 35 years our family of independently owned and operated companies world wide have been committed to outstanding service. CENTURY 21: The Gold Standard.

Getting Pre- Approved:

It is critical to apply for a loan before shopping for a home, and it's true; this is an essential first step. But do you know that it's far better to be preapproved for a loan than to be prequalified? There are more advantages to gaining preapproval than you would initially surmise. When the lender hands a borrower a preapproval letter, it means the borrower can:

Save Time by Looking at the Right Homes: When I am sending you automatic e-mail listings of available homes, I can change the parameters to more tightly encompass the selection of homes that you are qualified to buy. This way, you'll save time by checking out homes you can actually afford to buy instead of falling in love with pie in the sky.
Spend More Time Examining the Right Homes : By decreasing the inventory of homes to those that fit your parameters, you can allow more time to thinking about all the little nuances each home has to offer. Lots of home buyers never move past the price point when sorting out their preferences, but now you can devote your energies to looking at the little things that matter to you most such as whether your SUV will pass through the overhead space in the garage or smash into the microbeam.
Gain Confidence & Avoid Disillusionment:
Now when you find that perfect home, nobody can take it away from you by telling you that you do not qualify to buy it. You can minimize anxiety and remove last-minute loan surprises that could disqualify you. You'll sleep better at night knowing that the home you selected is yours. Moreover, you can tell your relatives and friends that the home you made an offer is definitely going to close and you will not "lose face" with anybody.
Increase Bargaining & Negotiating Power: Sellers will be more likely to immediately accept your offer, even if that offer is for less than list price, because you are giving the seller peace of mind that her home is sold. They can take their home off the market and place it into pending status with confidence.
Enjoy a Faster Closing Period: Because there is no window period while your loan application is processed, the lender can speed up the entire processing procedure. Appraisals can be ordered immediately. It's possible to shorten a 30-day closing to two or three weeks, which comes in handy if a seller needs to quickly move and can't decide which offer to accept. Yours will move to the front if you can accomplish the seller's need to quickly close.

Because mortgage approval is generally the longest contingency to satisfy in a purchase contract, it is to your advantage to obtain a preapproval letter as soon as you're ready to begin your search. Lenders will render a decision based on your complete loan application, employment verification and data from all three credit reports.

CONTACT ME ASAP FOR A PRE-APPROVAL!!!

© 2011 Antonio Gagliardi, CENTURY 21 Amiable Realty Group II. All rights reserved. All content contained herein cannot be copied or used off this Web site in any way without the express written consent of the owner.
CENTURY 21^® is a registered trademark owned by Century 21 Real Estate LLC . An Equal Opportunity Company. Equal housing Opportunity. Each office is independently owned and operated. CENTURY 21 ^® is the most recognized name in real estate ^*.
*Source: 2009 Ad Tracking Study. The survey results are based on 903 online interviews with a national random sample of adults (ages 18+) who are equal decision makers and who have bought or sold a home within the past two years or plan to purchase or sell a home within the next two years. Brand awareness questions are based on a sample of 903 respondents at a 95% confidence level with a margin of error of +/- 3.3%. The study was conducted between March 16 and November 15, 2009 by Millward Brown, a leading global market research organization.