How to Loose a Friend!


Did you know by cosigning for a loan that you are giving someone else your credit worthiness? Think about this, all the years you worked to build up your credit and establish yourself. You trust someone else with these great accomplishments. Not only are

you trusting them with this but you are paying for it as well, your credit to debt ratio will be reduced because the consigned amount is considered to be your debt. You should think why the other person has the problem of obtaining the credit needed. The banks and lenders have done their job and would not take the risk on this individual. Did you know three out of four cosigners end up paying for the loan?

I have heard of many stories where people have cosigned for someone dear to them. Since they have an outstanding loan no further credit would be extended to them, and at times they have had to pay the loan.

Please be sure you can afford to lose good relationships, (friends and family) as well as your money before you cosign.

What I do for a friend.    Where is my friend now?

Now is the time to buy a home view homes on Staten Island.

David Rivera Certified short Sale Agent
Appleseed Homes
2043 Richmond Ave
S.I. NY, 10314
office 718 698-9797
cell 646 251 9618

Now Is The Time To Buy!!!!

In today’s Market interest rates have continue to stay low as of last week the feds, have decided not to raise the interest rate. So for those first time home buyers looking to buy home’s now is the time to venture into this perfect opportunity. The market has great deal of home’s for sale at bargain prices if you know where to look for them. Such as click here to search for homes on Staten Island like a Realtor

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Avoid Foreclosure Now!!

Dear Homeowner:

I am Licensed Real Estate Salesperson with Appleseed Homes, I specialize in.short sale properties. I am reaching out to all homeowners who may be interested in knowing more about this program. My office is located at 2043 Richmond Ave, Staten Island, N.Y. 10314.

Appleseed Home’s history dates back to 1977, when it was founded as an independent real estate office on Staten Island by broker/ owner Henry Setaro. During that time, our organization was the recipient of multiple awards for excellence in productivity on the local, national, and international levels, as well as being recognized for superior customer service.

When housing prices in many parts of the country were booming a couple of years ago, there wasn’t much national attention given to short sales. But with the current subprime debacle and increasing mortgage delinquencies, many people are wondering if the short sale process is a way to avoid foreclosure. During a short sale, our mutual goal is to get an offer accepted as quickly as possible by your lender to prevent a foreclosure. The effects of a short sale are far less damaging then a foreclosure or a bankruptcy.

Key point in a short sale:

A Short sale is the difference between what you owe and what the home finally sells for. This was normally considered income, and would have been taxed as such…until the Mortgage Forgiveness Debt Relief Act was passed in December 2007, and applies to debt forgiven in calendar years 2007 through 2012. as such because this is not considered income, you may not have to pay taxes on it — please consult with your CPA to get the complete and right answer.

If you’re interested in knowing more about the short sale process and would like to set up an appointment,

Please call me:

office:  718-698-9797

cell (646)251-9618


David Rivera