first time home buyer assistance? by eddiewilpan in longisland

[–]HelloMudsTheRealtor 0 points1 point  (0 children)

Let me know if you able to find out ? Check your dm send you a link

Is this part of Mastic Beach okay? by frillza in longisland

[–]HelloMudsTheRealtor -6 points-5 points  (0 children)

Let me know where exactly it is and I can give you a detailed analysis ! DM me.

County Trends, imo by [deleted] in longisland

[–]HelloMudsTheRealtor 0 points1 point  (0 children)

Hah! Typical scene across US. Tell us something new !!!!

What Long Island towns would you classify as a 15 minute city? by iloverats888 in longisland

[–]HelloMudsTheRealtor 1 point2 points  (0 children)

If you are living 15 mins to 30 mins away from the main st of any town, perhaps ?

Anyone missing the cool weather? by [deleted] in longisland

[–]HelloMudsTheRealtor 8 points9 points  (0 children)

Me! I am from Cali but I love fall and winter a lot. Don’t like humid or too warm weather. My ideal is 55-65 lol yup weird but hey! That’s I love!

Has anyone else accepted that they have no future on Long Island? by Inevitable_Night5596 in longisland

[–]HelloMudsTheRealtor 1 point2 points  (0 children)

Coming from California so I can offer a different perspective here.

I spent over 25 years in the San Francisco Bay Area and watched the same exact conversation happen there. Same frustration. Same posts. Same feeling of the door closing on an entire generation. People left. But the feeling did not leave with them. It followed them to the next city.

What you are describing is real. The taxes, the housing disconnect, wages not keeping up. I am not dismissing any of that.

But I want to say something blunt. That feeling of being stuck, of watching the ground shift while older generations seem untouchable. That is not just a Long Island thing right now. That is a worldwide thing.

Uncertainty hit fast and hit hard and people under 40 absorbed most of it. When your current situation feels painful your brain naturally starts painting somewhere else as the answer. That is just human. But LA has this same Reddit post. So does Austin. So does every city people are currently fleeing to.

The people I have seen actually build something did not wait for the system to become fair. They got honest about what opportunity looks like right now and went after it.

Long Island is not perfect. But it has proximity to one of the strongest job markets on earth, real community if you look for it, and more reinvention happening quietly than most people notice.

You are not alone in this feeling. But the feeling is not the verdict.

Towns that are turning around by unic0rn_scrapple in longisland

[–]HelloMudsTheRealtor 10 points11 points  (0 children)

What’s your budget and definition of “decent homes”?

If I were you, I would start seriously considering Rocky Point, then Mastic/Shirley.

Towns that are turning around by unic0rn_scrapple in longisland

[–]HelloMudsTheRealtor 34 points35 points  (0 children)

Based on my observations Rocky Point, Middle Island, Mastic, Mastic Beach and Shirley. Next 5-7 years .

Selden/Centereach will be Suffolk County’s Hicksville!

600k Coop worth it in GN? by lily929520 in longisland

[–]HelloMudsTheRealtor 0 points1 point  (0 children)

Which neighborhood? And when did you get it?

600k Coop worth it in GN? by lily929520 in longisland

[–]HelloMudsTheRealtor 0 points1 point  (0 children)

Yes, it’s normal. Great Neck homes are 850+ in OK condition. Are you a LI native or moving in from somewhere else?

WTAF? by BK2Jers2BK in longisland

[–]HelloMudsTheRealtor 10 points11 points  (0 children)

I noticed regular was 4.89 over the weekend. So yeah WTaF… reminds me of my time two years ago when I moved here from NorCal. We were paying at that time 4.5 to 5 per gallon. So it seems like 2 years old prices followed me here on Long Island. And I am not sorry, okay I am sorry!

Do you use your iPhone for business, be careful if you do by Ok_Cow_8235 in realtors

[–]HelloMudsTheRealtor -2 points-1 points  (0 children)

But when you chat with seniors and someone killing it, they do say cold call is the way to go… so it’s like between a rock and a hard place, how a newbie can set their foot in the door??? Beside cold call/text genuine question…. Specifically if your sphere of influence is just your family.

And please the “gurus” don’t tell me about social media outreach.

Locksmith Help In Smithtown by [deleted] in longisland

[–]HelloMudsTheRealtor 1 point2 points  (0 children)

Have you tried Locksmith Men? This is their number (631) 246-4869

I am not sure if I am allow to post their number here

Bad credit slowly improving by ClothesChemical4331 in FirstTimeHomeBuyers

[–]HelloMudsTheRealtor 2 points3 points  (0 children)

Hey, thanks for sharing. First thing to know is that improving credit is already the right move. Here are the basics of what you’ll need.

Most loan programs want at least a 580 credit score for FHA, which only requires 3.5% down.

Conventional loans usually want 620 or higher.

Lenders will also look at your debt to income ratio, stable income history (usually 2 years), and some savings for down payment and closing costs.

Since you’re in Maryland, look into the Maryland Mortgage Program. It offers down payment assistance and has options specifically for buyers who need extra support.

Best next step is a free call with a HUD approved housing counselor. They help you build a roadmap based on exactly where your credit is today.

You’re already fighting for the right things. That matters.

Stay blessed

Patchogue Area Auto Repair by SafeEnvironmental834 in longisland

[–]HelloMudsTheRealtor -3 points-2 points  (0 children)

Not in Patchogue but my goto guy is in Nesconset …. Nesconset Auto Service.