Tag Archives: Armonk NY Commercial

Home price expectation over the next 12 months | Armonk Real Estate

Yes, home prices are expected to grow. And a recent October 2014 survey by the National Association of Realtors shows by how much.

Thanks to the combination of rising inventory and modest expectations for demand growth, Realtors expect home prices to increase only modestly in the next 12 months.

The rate varies across the nation but the median price increase is about 3% and never goes above 5%.

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Purchase Loans Fell 19.8 Percent in Q3 | Armonk Real Estate

Rising rates caused residential loan originations took a hit in the third quarter, and fourth quarter volume is poised for a further decline. But the top three lenders and servicers maintained their standings.

Mortgage Daily’s estimate of total U.S. originations from all lenders during the third quarter is $441 billion. Business was down around 19.8% from the second quarter thanks to increasing rates that drove down refinances. Compared to the third-quarter 2012, originations subsided around 21.1%.

The estimates were based on data collected by Mortgage Daily. In addition to a quarterly lender survey, the numbers were obtained from earnings reports, public filings and announcements.

With a third-quarter market share of around 18.1%, Wells Fargo maintained its standing as the biggest residential lender during the third quarter.

The second-biggest lender was JPMorgan Chase, where market share was around 9.3 percent.

Originations By Lender (in billions)

Wells Fargo $80
Chase $41
BofA $24
U.S. Bank $22
Quicken $17

Compared to the second quarter, business was up 20.4% at Walter Investment Management — more than any other company.

Nationstar Mortgage followed with a 12.7% gain in the third quarter.

Stonegate Mortgage had the third-biggest increase: 12.2%. In addition, thanks to its planned acquisition of Nationstar’s wholesale division, Stonegate is about the only lender that is poised for further short-term growth.

With a 62.3% decline between the second and third quarters, Provident Funding had the biggest drop.

Among lenders to report third-quarter 2012 originations, Nationstar’s 344.4% increase was the largest year-over-year gain.





Try Quick Hoops — Easy-to-Make Mini-Greenhouses | Armonk NY Homes

Gardeners through the ages have tried to extend summer. A sheltered  area in a winter vegetable garden used to protect plants from cold and wind can  often take plants past their normal season. Even the south side of a board fence  or a thick hedge, blocking the cold north winds, will provide a slightly more  benign climate. Old-time gardeners took advantage of these warm, sheltered spots  to keep the fresh harvest going as long as they could in their winter  gardens.

Quick Hoops

Harvesting winter fare is so satisfying that, after you try it, you’ll  probably want to extend your repertoire. But adding more cold frames to winter  gardens means more time and money spent acquiring them. That’s why we came up  with simpler, lighter, and less expensive structures we call quick hoops.  They’re just sheets of clear plastic or row cover material supported by 10-foot  lengths of pipe, bent into half circles and poked into the ground. Quick hoops  look like 3-foot-tall mini-greenhouses.

You can use two types of pipe material to build quick hoops. One is plastic  electrical conduit, which is cheap, lightweight and easy to bend by hand. This  option is fine in areas that receive no more than a few inches of snowfall. But  to support the amount of snow we get in Maine, we needed 1/2-inch galvanized  metal conduit, sold as “EMT” at most hardware stores. In addition to its  strength, the advantage of EMT is that, after bent, it holds its shape  permanently.

To give EMT a curved shape, bend it around a quick-hoop bending form. You  bolt the form to the top of a large, flat surface such as a sturdy picnic table.  You just insert one end of the pipe, pull it against the curved surface of the  form, slide it in farther, and pull again until you achieve the desired shape.  The form itself is reasonably priced and could even be purchased by a group of  friends and made available to everyone for use in year-round gardening. (Bending  forms are sold by Johnny’s Selected Seeds.)

If you take a 10-foot length of EMT and bend it into a half-circle bow, it  will have a 6-foot diameter. That 6-foot width will cover two of our  30-inch-wide beds with a 1-foot path between them. We make 10-inch-deep holes  with an iron bar on either side of the two beds, and insert the ends of the  conduit into them, placing one of these conduit bows every 5 feet along the  beds. Just three bows will cover a 10-foot-long area.

Then, we drape a 10-foot-wide piece of floating row cover material over the  bows. This spun-bonded, white polyester fabric lets in water and light, conveys  up to 4 degrees of frost protection and excludes insect pests. We cut it long  enough so that it can drape down to the ground, plus about 2 feet at the ends of  the structure. We then secure the edges of the row cover around the perimeter of  the structure with sandbags. These can be recycled plastic bags filled with  soil. Be gentle with the row-cover fabric, but try to secure it without any  slack so the wind is less likely to catch it and blow it around in your winter  vegetable garden.

Clearly, you can plant much more ground under quick hoops than under a cold  frame, and you can also grow and protect taller crops for more extensive winter  gardening. You might start seedlings in one covered bed and grow early salads in  another. Because spun-bonded floating row cover is self-venting, there’s no need  for automatic arms to prevent overheating. And the row cover lets in both  sunlight and water. Access to the crops is achieved by removing the sand bags  and folding back the cover.

Another trick is to add a layer of clear plastic over the row cover for extra  protection during extremely cold weather in winter gardens. With added plastic  in place on mini-greenhouses, you can overwinter crops such as spinach, lettuce,  and onions without worrying about the snow load, which can rip row-cover fabric.  The plastic layer can be held down with sandbags along the perimeter and ends,  just as with the row cover. But, because we live in a windy area, we also use  form-fitting plastic clips to secure the plastic to the bowed pipes. When the  temperature inside quick hoops can rise to 75 degrees Fahrenheit, you’ll need to  vent the plastic by opening the ends, or remove it entirely so only the  underlying row cover material remains.




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Armonk Restaurant Space Comes on the Market | Armonk NY Homes

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Restaurant FOR SALE


Sit down/Take out restaurant for sale in upscale, suburban Armonk, NY. Known location loved by locals. Great for gourmet shop, burgers, bagels, pizza, sushi, tex-mex, deli, Chinese, ice-cream, yogurt, etc. Reasonable rent. 10 years plus left on lease. All kitchen equipment, refrigerators, freezers, full exhaust system, computer register, chairs, tables included. 1,270 s/f. Indoor and outdoor seating. Open 7 days per week.  For more information, call Andrew 203 391-6801.



Armonk NY Homes