Agent Page:
Randy Rutan
From the time she moved to New York in 1990, Randy has been dedicated to helping people buy and sell their homes in Dutchess County. With more than 20 years of real estate experience, she is a licensed Associate Broker, multi-million dollar producer and was invited to join Allen F. Hainge CyberStars®, which honors leading sales associates in their marketplace who use technology "to the fullest."
Although many of her clients are coming to her again and again, Randy especially enjoys helping those who are buying a home for the first time or relocating to the area. When she isn't assisting her clients, she enjoys many activities with her husband including trips to visit family located in Vermont, California and Florida, fishing, reading and walks with the dog. Randy is an avid sports fan and can be heard cheering loudly for her beloved Kentucky Wildcats during college basketball season!
My Posts/Listings:
Do You Commute to NYC?
This home is first-time buyer friendly in terms of price and condition and it is only 3 miles to the New Hamburg train station. You’ll enjoy the 2005-updated country kitchen featuring ample cabinets with pull outs, lazy susan & corian counters. Kitchen opens to spacious, private trek deck. Other updates include central air and boiler. Property is amazingly close to elementary school, parks... [Read more]
Ideal first home in Poughkeepsie
New on market today, this 3 bedroom home has been completely remodeled from top to bottom: new roof, new kitchen, new bath, freshly painted, new carpet, new appliances. Plus, it has a spacious screened porch that could be enclosed someday for more space, full basement, shed and fenced backyard and is nicely located in the vicinity of Dutchess Community College. $215,000 For more information... [Read more]
How long does it take to buy a home?
You can spend a lot of time in the fact-gathering stage. Some of my buyers take a year or more to get their finances together while searching for homes on the internet. This actually helps the home buying process go more smoothly. Once you have found a home and had your offer to purchase accepted by the sellers, it takes a minimum of 60 days to close. What takes so long? The purchase offer... [Read more]
New York offers Cash to homebuyers
WHAT A GREAT DEAL! Effective January 1, 2010 New York State will offer buyers cash advances of up to $8,000 to buy a home. The money for the cash advance is based on the federal government’s first-time buyer tax credit. The cash advance can be used as part of the down payment or it can be applied to the closing costs. The cash advance is paid back when the federal government’s... [Read more]
SHOPPING for your first home
You can begin your home search on the internet. CLICK HERE to search through all of the properties on the market in Dutchess County. Searching on the internet will allow you to view virtual tours, map the properties, sort through photos and identify the type of home you want. Next you will meet with your REALTOR and describe your wants and needs. Your agent will make arrangements to show you... [Read more]
Is this the RIGHT TIME to BUY?!
This is a great time to say goodbye to your landlord and buy your first home! Home prices have dropped. Mortgage rates are low AND you can take advantage of the Federal Government’s First-Time Buyer Tax Credit! Look what you can buy! This is a list of 15 homes on the market in the Town of Poughkeepsie. Each has 3 bedrooms and at least 2 full baths. To search all the homes on the market... [Read more]
Consider an FHA Loan
A first time homebuyer is smart to explore an FHA loan. This is because this loan type takes into consideration that credit-worthy first time buyers usually have less upfront cash available to them. With an FHA loan the homebuyer only has to have a 3.5% down payment and the down payment money can come from outside sources such as gift money from a parent. In addition, closing costs for... [Read more]
CREDIT SCORES are important!
Before you start shopping for your first home, you should check out your credit report. Thanks to the Federal Government, you are entitled to a free credit report once a year. You can get yours by going to AnnualCreditReport.com. Check the report carefully for mistakes and get them corrected if needed. The information in the credit report affects your credit score. There are 3 types of... [Read more]
Dutchess County Market Update
Nov 09 Market Update Sales of single family homes in Dutchess County continued to outpace those of a year ago. According to the Mid Hudson Multiple Listing Service, there were 153 closed sales in November. This was 75.9 percent more than in November 2008. The rally in sales activity is being driven by first-time homebuyers who are benefiting from the drop in home prices. Home prices are... [Read more]
