John Kovencz
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 Real Estate in Nyack, Piermont, Palisades, Grandview, Tappan, Sparkill, Congers, Valley Cottage, West Nyack, Blauvelt, Rockland County,
Your Guide to Nyack and Rockland County
Move-to-Nyack.com is a real estate website that provides comprehensive professional services and advice for buyers, sellers and veterans in the greater Nyack/Valley Cottage area, and all of Rockland County.

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John Kovencz
Better Homes and Gardens/ Rand Realty
46 South Broadway
Nyack, NY 10960
Mobile: 914-523-2953
Email: john@movetonyack.com

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www.randrealty.com


Thank you for visiting my online real estate resource and I hope you find it to be a useful tool in your search for real estate and that it answers some of those questions you might have about the process. Whether you are a first time buyer, an experienced investor or selling your home, you will find this combination of current, clear information, exceptional service and solid expertise, invaluable when the time comes for you to make that all important decision. Welcome to Nyack/Valley Cottage and Rockland County.

"WHERE DO YOU WANT TO BE?..LET ME HELP YOU GET THERE."

FOR ALL MY REAL ESTATE FRIENDS:
click on www.randrealty.com for general real estate info. Saw a house and want to know the price? Want to ask me a question about the local market here in Rockland County? No question too silly. Send your question to:john@move-to-nyack.com

RECENT NEWS:

The Home Buyer Federal Tax Credit Has Come and Gone
The Treasury Department estimates that the credits helped 1.8 million people buy homes.

An extension was not in the cards, in one shape or another there has been a government tax credit for a couple of years now and it did its job. The goal was to sure up the housing market quicker then if it was left on its own and it worked.
To the credit of the current administration I could not have asked for any more then what they have done. By keeping mortgage rates in check and handing away free money to those who bought now they have corrected a market they was declining fast.
Many say that the people who bought because of the credit would have eventually bought without it is probably right, but at the expense of our economy. The average buyer might have tried to wait the market out to see values continue to drop and might have bought in the coming years but that would have had such a downward effect on the housing market that the economy would have had a longer period of depression then what was felt over the past couple of years.
The credit came with a huge cost to the American tax payer but I believe it was well worth it. For the average person the largest investment they make in a lifetime is their home. The shelter over their heads, the place they raise their children turns into their biggest retirement vehicle. At a cost of $12.6 billion today could have cost 10 to 100 times that if home values continued to drop and housing lost its credibility in the future.
On of the major lessons learned from this last housing cycle is that the government sees the value in housing and understands what it means to the overall economy. We witnessed government involvement on a huge scale to help solve the housing dilemma and increase confidence in the industry.
Now that the credit has come and gone what happens next?
The conditions that were available last week are still available this week minus the tax credit. Mortgage rates are still at near all time lows and housing affordability is still at all time record lows. So the conditions are still right for the potential buyer. As time goes on we will look back to this point in history when people did extremely well in the real estate market that will benefit them and their retirement plans.

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