"Success in RE comes down to two factors: taking risks and taking action!"
Unknown
Get Pre-Approved
Getting pre-approved for a mortgage is one of the most important thing you can do when you're planning to buy a home.
Mortgage pre-approvals are documents that verify you can get approved for a mortgage loan. Pre-approvals are not an official loan approval - they are the green light to shop around and find the perfect home. You can't make an offer without a pre-approval.
The most crucial part of buying a home is being sure you can afford its payment. So, before you get pre-approved, decide how much you feel comfortable spending each month and write that number down.
A mortgage lender may pre-approve you for a larger monthly payment. We recommend you stay within your budget.
Mortgage pre-approvals are available for free through most mortgage websites with no obligation to proceed. Many home buyers get their mortgage from a different mortgage company that pre-approved them. So, don’t overthink this step.
The critical part of getting your pre-approval is that you get it. Without a pre-approval, you cannot buy a home.
As part of your pre-approval, the lender may ask for supporting paperwork, including:
Bank statements
W-2 statements
Pay stubs and proof of deposits
Federal tax returns
Student loan statements
You don’t need them downloaded or on your hard drive in advance. Just know where to find these documents when you get asked.
Mortgage pre-approvals get processed online or in person. The simplest pre-approvals are self-service.
Home buyers can get a free mortgage pre-approval from any mortgage lender or do a self-service pre-approval in under three minutes.
In this market, timing is critical. When you find the home you want, you may need to make an offer right away, otherwise someone else may get your home!
Being pre-approved enables you to move quickly and get that offer in!
I can’t tell you how many times I’ve seen a client fall in love with a house, but end up losing the home because they weren’t pre-approved. Getting pre-approved solves this problem, as it enables you to move quickly on an offer. You wouldn’t want to miss out on your dream home!
Joe was amazing from start to finish with helping to sell my fathers house. I found his number on a facebook moms page and I'm so glad I did!! He made the whole selling process such a easy one, even when we had a few issues that needed to be worked out. With him also being our lawyer it made things less difficult when we had issues that arose. He was professional and aggressive when it was needed to get things done! He didn't stop until things were to his standards! I would recommend him to anyone looking to buy or sell a house. He is extremely knowledgeable and you will never have to worry that he won't get something done, because he is always 2 steps ahead of the process! He is truly a terrific person and realtor/lawyer!! He goes above and beyond all expectations! Thank you again Joe!!
I can honestly say that if it was not for Joe Devito, my girlfriend and I would not have a place to call our own. We contacted him when we only had a 2 month timeline and he did everything he possibly could for us and more. With the added stress from the holidays and new year coming, he made things incredibly easy and repeatedly told us not to worry and found us a better apartment with a negotiated price! 10/10. I am always going back to the Devito Team!
Joe Devito is wonderful to work with. He is compassionate, understanding and hardworking. Joe was persistent with making sure deadlines were made and available when needed. He thoroughly understood my vision and helped with every step of the way. I highly recommend working with Joe.
Being new to the world of entrepreneurship, purchasing a business can be intimidating. Between the time constraints and lack of knowledge when it came to the process and contracts, it could have been overwhelming. It was very important to me to find an attorney that was credible and hardworking. Thankfully, I found that in Joe. Throughout the negotiation and sale process I had some unexpected complications, and Joe handled it professionally and expeditiously. I can confidently recommend him for reliability, accuracy and the innate ability to translate legal complexities to the common language. Joe thoroughly described every detail of the contract with patience — his knowledge and command of the material were impeccable. I would definitely recommend Joe DeVito to anyone needing an attorney.
After several realtor interviews , Joseph was the best decision I made for a realtor from day one. Not only was he always available to answer my questions and explain the process, he always went above and beyond to make the pre-and post preparations, the listing, the showings and the entire selling process as professional looking out for MY best interest the entire time. Joseph tried to make things smooth as possible for me from handling all matters , big or small. He took all efforts to make sure I had the best offer and didn't surprise me with additional fees or costs. I would 100% hire him again and again and absolutely highly recommend him to anyone looking to sell or purchase any type of property. I don't believe I would have been successful with my sale as mine was a coop and those are super hard to resell but Joseph was extremely successful and did not disappoint. The commission was not not enough to compensate for all his hard work. There are many folks out there just wanting your listing but they don't measure up to what Joseph and his team delivered.
Me and my husband started looking for our first home in January. We started with a different realtor and something didn’t feel right. When we switched to Joe it was a matter of ONE conversation and i realized what it was. TRANSPARENCY AND EDUCATION. When i would ask Joe a question I left not only knowing the answer but I knew the NYS law as to why that was the answer. Which leads me into the next PERK about working with Joe and that that he’s your lawyer too. Imagine being able to get on the phone with him about something regarding the property and then two minutes later he’s updating you on the behind scenes of what he’s doing as our lawyer. There was no back and forth no mis communication. There was no “ i misunderstood what he said when i relayed to you.” There was no feeling like I wasn’t advised properly. I remember having a conversation with someone about something in regards to purchasing a home as they were in the same position and they asked me how you do know all this? “Well when this came up I was on the phone with realtor/lawyer and he explained it” there were times Joe had me pull out pieces of paper explained it and then had me do the math with him so I could truly understand. Hours were spend on the phone just having things explained to me so my husband and we could make the best decision as possible. I would never ever ever in my life use anyone else ever. If i had my way neither would any of the people I love.
Working with Joseph was a delight. He made things simple and quick. I would I highly recommend his services. He is definitely on top of his game and the best in the business.
Looking to sell your house is a very stressful part of your life and finding the right person to handle this transaction is extremely important. Joe and the Devito team came highly recommended and trust me when I say this maybe the best team out there. We’ve sold before and the comparison between agencies is night and day. From the moment we met Joe we could tell this was going to be the right person for the job. The presentation of the house for the pictures was amazing and the video taken was perfection. Joe will there there for you from the onset to the end. Always available for the quick question and present at every open house and I can’t thank Joe enough for the hard work and effort he put in. What started out as a business transaction ended up being a friendship. That’s just his personality, caring and empathetic. Just what you need when trying to sell a house. If your selling or looking to buy please contact Joe and the Devito team you won’t be disappointed. Positive Responsiveness, Quality, Professionalism, Value
I recommend Joseph DeVito highly. Our home may not have been sold if not for the work and attention to detail that Joseph did in order to MAKE IT HAPPEN. I live in another state and needed someone to handle the sale of our house in NY. I learned of Joseph through my local realtor. We made the best decision of our lives to have him as our realtor and attorney. He handled both roles for our sale seamlessly. He was thorough, responsive, and helpful even when we needed someone to take care of minor details on the house locally. He went above and beyond to make it happen. I recommend him to anyone needing help with the sale of their property.
Joe was so accommodating and helpful throughout the home buying process. He told us everything we needed to know and be careful of when buying a home . I definitely recommend him for any home buyers especially first time home buyers . When my family and I moved in we were having trouble with our stove and he helped us resolve the issue . He is extremely understanding and kind . Loved my experience with The DeVito Team.
Joseph DeVito did a wonderful job with helping to prepare our property to sell. He provided excellent advice throughout the process, and always was available to answer questions, and work with all parties to provide a fair outcome for everyone.
Upon meeting Joe for the first time and listening to him speak I knew without hesitation that he would be the real estate person for me. We found him to be extremely knowledgeable and highly experienced, and along with a very positive and likeable personality we hit the trifecta!! We were selling our lifelong home, a very hard thing to do emotionally. Joe understood this and helped to ease our worries about selling. He went above and beyond his job many times to help make this daunting experience smooth, navigating us through the paperwork and any problems that arose. As our real estate attorney he did all the footwork, brainwork, and paperwork expertly. As our real estate agent he was caring, persistent, conscientious, tough, and always on top of everything, foreseeing possible issues even before they materialized. His communication to us about the ongoing process was extraordinary. He always answered our calls and texts right away. The icing on the cake was that Joe sold our home for us above our asking price!! I would like to thank Joe for all his hard work and dedication and for going out of his way with all the extra things he did for us. It was deeply appreciated. I would like to thank Annabelle for all she did as well. I highly recommend the Joseph DeVito and Annabelle Dinca team. You will be very pleased. Positive Responsiveness, Professionalism
If any family member or friends are looking to get a home then I will definitely send them to Joseph. He helped me through the whole process and made sure everything was done right by me. I sincerely want to thank him for helping my family and I find our forever home. There are a million words that can describe on how caring and professional Joseph is. Any one that ends up getting his help will definitely not be disappointed. Thank you again.
My mother had suddenly passed away and owned commercial RE property in Queens. I was overwhelmed managing the property, keeping up with my full time job, and family. I did my research and found Joe DeVito. What drew me in to contact Joe was his connection with KW, background as a real estate attorney, broker, great reviews, and outgoing personality. He proposed a fair commission and services to facilitate with all aspects of the listing and closing. Since the day we first met through closing, Joe was incredibly professional, persistent, and receptive. I can't express how important Joe's responsiveness meant. Text, call, FT - he is always willing to listen and provide substantive feedback. Selling commercial property is not a 1 person effort. As a team, we provided all the necessary support Joe needed for the business, estate, and property. Joe spent numerous hours speaking with potential buyers (filtering out who the real prospective buyers truly were), visiting the property meeting with tenants, prospective buyers, and contractors. He zealously negotiated with buyers and their attorneys, and ultimately sealed the deal with our closing in the Summer of 2023. Simply said, Joe is the best at what he does and adds a personal touch. With all problems and issues we encountered leading up to the sale, Joe always was willing to help and step foot on the property in Queens. My family couldn't have been more grateful for his help and determination to help sell this property. Thank you Joe and the DeVito Team.
Joe DeVito and Annabelle Dinca were amazing to work with. They were readily available and very responsive at all times. We especially appreciated how knowledgeable and helpful they were, since we were first time home buyers and had no clue of the whole process. They were very patient with us, and always professional. They even helped with some ideas and referrals for the renovation we are doing right after close. And most importantly they were never pushy but really wanted to make sure we found the right home for us. Highly recommend!
Joe DeVito and his team are true professionals. My husband and I interviewed several realtors and chose Joe because of his online reviews and the fact that he was a realtor AND a Real estate attorney. We were not disappointed. Joe knows his business and works with a talented team. He personally staged our home for his professional photographer. He actually helped move around all of the furniture himself! The photos brought in a great many interested buyers. In fact, we had a signed contract for sale after only one week on the market! Joe is also a SUPERB NEGOTIATOR. He knows the business and used his experience to create a bidding war that saw us sell our home well above asking price. Joe is also a PROBLEM SOLVER. During the run up to closing, we encountered a number of issues, to include a title problem. Joe is always CALM and REASONED In his approach. He fixed each issue quickly and completely. Joe and his team also possess incredible ATTENTION TO DETAIL. In fact, Joe went through our house often (after we moved out but before closing) to keep an eye on things. During one visit he noticed a small leak that could’ve turned into a flood. He notified us and supervised the fix. As a real estate attorney/realtor he stayed with us throughout the ENTIRE PROCESS - Ensuring every problem was fixed and that we closed the sale as quickly as possible. My husband and I have bought and sold 11 houses over the years, and we both wish we could’ve worked with Joe on an every one of them. Joe and his team are THAT GOOD!
I am a realtor in West Tennessee and was referred to Joseph from a friend. He was a perfect match for my client who had a home to sell in NY. Joseph went above and beyond in helping my client sell her home and understood that distance made this more of a challenge than the usual sale. Thanks to Joseph, the challenges were taken care of and the sale of the home was a success. Thank you Joseph for taking care of my client who is also a friend. I know she would recommend you as well.
We started the search for our forever home over a year ago. After several agents and many many many MANY houses seen, we were ready to give up. We decided to try one last agent and thankfully it was Joseph DeVito. We even made it harder for him by giving him a specific amount of time before we would stop the search. He came through on all aspects! He found our home in the timeframe given, he found everything we asked for and he coached us through the whole process which included a reduction in price due to some unforeseen electrical issues. We are extremely grateful to him and his team for finding the home we wanted & needed. We can't recommend him enough - he is knowledgeable, friendly, straight forward and doesn't give up until the job is done. If you want a home, call Joseph, he will find it!