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Covid 19 | From Urb to Burb and Beyond Blog

Monday, January 25, 2021   /   by Vanessa Saunders

Help! I can’t afford my utility bills!

It’s going to be cold today - below freezing tonight. And it’s going to be a long New York winter in the coming months. If you lost your income because of the Covid-19 shutdown and are having trouble finding ways to pay your heat and electricity bills, here are a few things you can do to keep the heat on.
Get a grant from LIHEAP
The Low Income Home Energy Assistance Program (LIHEAP) helps families living on low incomes pay their heating bills in the form of a cash grant. Households in immediate danger of being without heat can also qualify for crisis grants. The cash grant is a one-time payment sent directly to the utility company/fuel provider to be credited on your bill. These grants range from $200 to $1,000 based on household size, income, and fuel type. Remember: This is a grant and does not have to be repaid.
To see if you qualify for assistance, LIHEAP’s website directs you to call the National Energy Assistance Referral (NEAR) project at 1-866-674-6327. Y. ...

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  hudson valley real estate, hudson valley property, hudson valley home, 'urb to 'burb, hudson valley home owners, pandemic, hudson valley living, health crisis, covid 19

Tuesday, January 19, 2021   /   by Vanessa Saunders

Mortgage forbearance payback hell!

By Vanessa Saunders, MBA, MIMC , Broker Owner, Global Property Systems Real Estate.
http://www.globalpropertysystems.com

Over the past few weeks, I have been speaking to many people who are concerned about the end of their post-Covid19 forbearance time. Those struggling to pay their mortgages due to the consequences of Covid19, be they parents who can’t work because they need to be at home with their children homeschooling, or the many whose jobs just fizzled out and don’t appear to be coming back because their employers have shut up shop - unable to pay their own bills. Now tax time is adding to the misery for those who don’t have their taxes prorated into their mortgages. The majority of the people I speak to are seeing their savings dwindle as the pandemic continues. Everyone is concerned that their flow of money has all but dried up, and wonder how long it will take the economy to get back on its feet.
The homeowners I have spoken to were all relieved the lif. ...

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  hudson valley real estate, hudson valley property, hudson valley home, 'urb to 'burb, hudson valley home owners, hudson valley home sellers, selling your home, pandemic, financing, mortgage, lending, forbearance, forclosure, covid 19, ppp loans

Tuesday, December 29, 2020   /   by Vanessa Saunders

PPP Phase II - Forgivable Loans for small business are back again.

By Vanessa Saunders, MBA, MIMC , Broker Owner, Global Property Systems Real Estate.
The latest federal financial drama is over, as out-going president Trump has reversed his earlier position and has signed the latest Covid-19 relief package. Among the many layers in the larger spending package is rental assistance, eviction protections and direct payments to American citizens. Significantly for small and mid-sized businesses is the second phase of the Paycheck Protection Program, which is rolling out with similar but slightly tighter requirements for applicants.
Basically, applicants need to show that their revenue dropped at least 25 percent year-over-year in the fourth quarter of 2020. While many sectors of American business have responded well to the first PPP round, some industries such as hospitality have continued to languish. Also, the new bill also restricts PPP money to companies with 300 or fewer employees. That’s opposed to the 500-person cap that existed during thh ...

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  hudson valley real estate, hudson valley property, hudson valley home, 'urb to 'burb, pandemic, covid 19, ppp loans

Friday, December 11, 2020   /   by Vanessa Saunders

Seniors may have to choose between real estate tax exemptions and Covid-19 exposure.

By Vanessa Saunders, MBA, MIMC , Broker Owner, Global Property Systems Real Estate.
http://www.globalpropertysystems.com
Thousands of New York’s elderly population may be forced to decide between renewing their real estate tax exemptions or risking contracting Covid-19 with a trip to their town hall during the height of the pandemic.
In a few weeks, senior citizens who earn more than $38,000 per year must re-apply for their real estate tax exemptions, which often save them thousands of dollars a year. To do this, they’ll need to fill out and file renewal documents with their town. Some New York lawmakers are concerned that seniors will put themselves at risk for contracting Covid-19 during the trip to their town hall.
State Senator David Carlucci is presenting a bill to the New York State Assembly which will allow seniors to be automatically renewed for 2021. “We don't want a situation
where seniors feel forced that they have to travel to the Town Hall in this ...

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  hudson valley real estate, 'urb to 'burb, hudson valley home owners, property taxes, lower property taxes, covid 19, senior citizens

Global Property Systems
Vanessa Saunders MBA MIMC CIPS - NYS RE Principal Broker
56 Lafayette Avenue Suite 320
White Plains, NY 10603
914-290-5258


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