Rosie O’Donnell Lists Her 5-Home Compound in New York for $11M

rosie-odonnell-upstate-ny2

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It looks like we’ve got “the View” of Rosie O’Donnell‘s real estate deals. The actress and former talk-show co-host has put her huge Hudson River compound in Nyack, NY, on the market for $10.79 million, according to the New York Post.

The five adjoining homes can be purchased separately or together, and offer a range of styles, from modern to Colonial. Hamid Moghadam of Ellis Sotheby’s International Realty has the listing. Altogether, the compound measures in at about 2.4 acres.

The 55-year-old comedian and activist purchased the five adjoining properties, just 40 minutes from Manhattan, in a series of transactions between May 2001 and January 2008 for a total of $8.6 million, according to Variety.

Open floor plan of main house
Open floor plan of main house

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Pool at the main house
Pool at the main house

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The main home, a Dutch Colonial built in 1906, is available on its own for $5.3 million. It includes a 130-foot boat dock plus four floating docks, a swimming pool, sport court, two master suites, a great room, and home theater. The kitchen features floor-to-ceiling windows and a large center island. The home’s second level offers four large bedrooms.

Waterfront fire pit of second largest home
Waterfront fire pit of second-largest home

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Wraparound porch of second largest home
Wraparound porch of second-largest home

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The second-largest home, another Dutch Colonial, is available separately for $2.2 million. It’s in pristine condition and includes a wraparound porch and waterfront fire pit.

Also included are a newly renovated three-bedroom contemporary with a boat slip, four bedrooms, and 12-foot-high ceilings; a one-bedroom rancher; and a three-bedroom contemporary with Hudson views.

The potential sell-off of vacation properties will hardly leave O’Donnell homeless. She recently snapped up an $8 million penthouse in Midtown, as we reported this summer.

She also unloaded a West Village property in 2014 for $9 million, which she had purchased just two years before. O’Donnell has also been trying to unload a West Palm Beach property, which is still available for $5.5 million.

Perhaps the actress is looking to focus on her work instead of her vacation plans. She’s starring in a new TV series, “SMILF,” which premiered this month.

The post Rosie O’Donnell Lists Her 5-Home Compound in New York for $11M appeared first on Real Estate News & Insights | realtor.com®.

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Don’t Get Burned by a Credit Freeze

credit-freeze

Chris Gash

Baby, it’s cold outside.

WithEquifaxand other companies reportingmassive data breaches this year, more consumers areputting a freeze on their credit reports. And while a credit freeze won’t affect a borrower’s ability to qualify for a mortgage, it does require the borrower to take additional steps during the application process.

A credit freeze blocks anyone-including lenders and employers-from accessing your credit report. Requests for a credit freeze must be submitted by mail, online or over the phone to the three major credit bureaus individually (Equifax, TransUnion and Experian). You’ll need to provide your name, address, date of birth and Social Security number. The fees vary by state but run from free to $10 each time you place or lift the freeze, and payments can be made using a personal check, money order or credit card. (Fees may be waived for victims of identity theft.)

Once placed, acredit freeze stays on your credit reportuntil you lift or remove it. But remember: It can affect your ability to get a new cellphone, apply for a store credit card or even get a job. And existing creditors or debt collectors acting on their behalf will still have access.

Freezing your credit can prevent others from opening new lines of credit in your name, but it also prevents you from opening an account yourself, says Sam Mischner, chief sales officer and head of mortgage at Charlotte, N.C.-based LendingTree. If you’ve instituted a freeze on your credit but now want to apply for a loan, you will need to take the extra step of allowing the lender access to your credit. You will have to contact each credit bureau to temporarily lift the freeze.

For borrowers applying for a mortgage, that freeze will probably only have to be lifted once, because the credit report would be good for the typical 30- to 45-day period from contract to closing, says Josh Moffitt, founder and president of Silverton Mortgage Specialists, a direct-mortgage lender in Atlanta. But there are certain situations where another report needs to be pulled by the lender nearer to the closing. In that case, the borrower may have to lift the freeze-and pay for it-multiple times.

In addition, borrowers might run into problems in competitive housing markets where they need to close quickly. In those instances, it might be tricky to unfreeze the credit in time for the lender to pull credit reports and complete the underwriting and pre-closing process.

Here are a few considerations if you’re applying for a mortgage with frozen credit.

Watch yourself

While freezing your credit protects you from the time the freeze becomes effective, it does nothing to correct existing credit issues. Get a copy of your credit report from each of the three reporting agencies, check them carefully and correct any errors before you apply for a mortgage.

Get alerts

While a credit freeze locks down your credit, a fraud alert still allows creditors to pull your credit report as long as they verify your identity first, according to the Federal Trade Commission. For example, a business may call you to verify that you are the person requesting new credit. However, while fraud alerts may make it more difficult for others to open new credit accounts in your name, they may not prevent misuse of your existing accounts. Placing a fraud alert is easier than with a freeze. You need only to contact one of the reporting agencies, which in turn is required to notify the others. A fraud alert is free.

Know how the freeze works

Understand the logistics of lifting the freeze-and make sure you allow enough time for the lender to pull credit reports. Consumers who deal directly with the three credit-reporting agencies are given a personal identification number to provide, either by phone, online or mail, every time they want to lift or remove the freeze, according to David M. Blumberg, a spokesman for TransUnion. Alternatively, consumers can lock or unlock their credit using a third-party service like TransUnion’s TrueIdentity, which is available online or in an app.

Contact information

Here is contact information for fraud and identity-theft issues.

Equifax:888-349-9960, http://www.equifax.com

Experian:888-397-3742, http://www.experian.com

TransUnion:888-909-8872 http://www.transunion.com

The post Don’t Get Burned by a Credit Freeze appeared first on Real Estate News & Insights | realtor.com.

12 Illustrators to Follow on Instagram

12 Illustrators to Follow on Instagram | Design*Sponge

It’s the little things that can make my day just a wee bit better – starting it with a hot cup of coffee, catching a sunny moment on an otherwise rainy day, and kisses from my overly affectionate dog Spencer are a few things that come to mind. If my coffee tastes bitter, it just keeps on raining and Spencer is having a meh day himself, I’m glad I can always rely on the power of art and creativity to cheer me up.

Whether they’ve encouraged me to be creative, active in my community, stand up for my beliefs or helped me reach the conclusion that ice cream is always a good idea, these illustrations by some amazingly talented female artists have inspired me when I’ve needed it. As I keep scrolling down to admire these beautiful illustrations over and over, I know one thing for sure – it’s going to be a good day!

If you’d like to be inspired by more amazing illustrators, look no further than Quelcy’s personal bulletin board of illustrators worth following.-Sofia

Image above: Female characters, surrounded by beautiful objects and interiors in juicy colors, make Natalia Vico‘s illustrations a pure joy to look at.

This Glorious Marriott Will Deliver a 10-Pound Doughnut to Your Door

Sure, you can make your own giant Funfetti doughnut at home, but what if you could order one through room service and have it delivered to your door? JW Marriott Desert Springs Resort & Spa in California is doing just that! The hotel is now offering a “Donut Disturb” special in which a 10-pound doughnut is brought to you via room service for the reasonable price of $219. This package includes a round of milkshakes to pair with the doughnut and a $50 hotel credit to be used at the spa, golf course, or hotel dining.

How did the chefs create such a giant doughnut? It’s technically cake and it’s made fresh in house. Layers of vanilla chiffon cake, cream, and raspberry jam are molded into a doughnut shape and coated in fondant. A coffee lacquer is sprayed on the outside (to give it a fried doughnut appearance). Strawberry glaze is drizzled on top and then it’s finally coated in large homemade sprinkles.

Luckily for us, the team at Foodbeast ordered the doughnut so we can all live vicariously. Foodbeast founder Elie Ayrouth told POPSUGAR that the doughnut tasted “[l]ike the most delicious wedding cake possible.” He added, “[I]t’s definitely lavish, fun to order to the room to get your weekend going and then we just had it all weekend to pick at. [O]bviously [we] didn’t eat it all in one s[i]tting.” After seeing all the close-ups of this humongous doughnut, you may be inspired to book a trip to Desert Springs ASAP.

How Low Should You Go? Pros and Cons of a Low Down Payment

When it comes to a down payment on your home, are you aiming high or low? The down payment is the number one reason most buyers wait longer than they’d like to buy a home. In fact, many sidelined buyers have the income and qualifications to make the monthly mortgage payment, but lack the down payment.

But, there’s also a misperception about 20 percent down. In a new NerdWallet study, 44 percent of Americans believe you need 20 percent or more to buy a home. The reality is that about 60 percent of homebuyers financed their purchase with a 6% or less down payment, according to the National Association of REALTORS.

But, how low is too low for your down payment?

The fact is there are no cookie cutter mortgages – your home financing will be as unique as you. FHA is known for their low down payments for first-time homebuyers, but many conventional fixed rate loans offer lower than FHA’s 3.5% down.

What about zero down? VA loans for service members and qualified veterans provide a great value, including no down payment, relaxed credit requirements and no mortgage insurance.

Some lenders offer grants to buyers to overcome the down payment hurdle. keep reading

The post How Low Should You Go? Pros and Cons of a Low Down Payment appeared first on Down Payment Resource.

Tips And Suggestions About Acquiring An Insurance coverage

A great deal of people believe that discovering insurance is a difficult task. You need to bear in mind that it’s only hard if you make it hard. In reality, learning about insurance coverage is pretty very easy. You have to keep an open mind as well as always enlighten on your own. With the pointers in this write-up, you could begin to do that.Uninsured driver coverage covers injuries created to you or your passengers in your auto that are brought on by without insurance or hit-and-run motorists. This is a great advantage since up to 30 percent of motorists could be driving without insurance policy at any type of provided time. This way, you won’t be holding the bag for the price sustained by an irresponsible and uninsured vehicle driver. tucson homes To save money on insurance coverage, you should look around and find out how different companies will discount for numerous policies for the very same home. Many business supply a conventional 10% discount rate for putting every one of your company with them but some companies will certainly be able to make larger concessions.When you make any kind of improvements to your house that expense over a specific quantity, you should make certain to contact your insurance provider and also let them learn about it. A lot of insurance coverage carriers make you report renovations to them that price a great deal so that your policy can be readjusted if need be.Lots of people do not realize this however you could consolidate your insurance plan, such as your auto as well as property owner’s insurance coverage to the very same company. Many insurance provider will provide you a discount rate on both policies for doing this and you can conserve anywhere from 5% to 20% on your insurance just by doing this.To discover the most effective deals on your insurance policy, contrast what does it cost? various insurance provider will certainly bill you. You could discover reviews and also quotes online or at your regional state insurance coverage department. As soon as you opt for an insurance company, do not hesitate to switch over to one more one, if the rate boosts.If you are relocating, make certain to contact your relocating company to see just what type of insurance policy they carry. Many relocating companies just have a “per-pound” policy on all materials. This might be alright if you just have relatively common, huge home furnishings; however, if you have really pricey furnishings, artwork, great deals of electronic devices or various other things that may not consider much however are beneficial, you must ask your insurance policy representative about extra relocating insurance coverage.In contrast to popular belief, a cars and truck insurer will certainly not charge you a heftier premium based on the color of your car. That has nothing to do with it, however some companies will charge a much higher premium if you have a cars regardless of what shade it is.Don’t allow the suggestions in this write-up alone, guide you in your insurance getting decisions. That’s not to claim to overlook anything you review in this article, yet you just have to maintain filling your brain with information. If you should visit this short article once again when you have time, in order to make certain you keep this understanding.