Closing time: On June 27, 2013, I finally became a co-op owner

… With no ceremony whatsoever the seller handed over the keys in a Ziploc bag    The black keys open the front door and the apartment door and the other keys I think are duplicates but I dont know which one is …

By Elle Bee |July 15, 2013 - 12:34PM
My co-op board interview: Sometimes you need to leave the Marc Jacobs bag at home

… new apartment would be about 250 square feet smaller than what I had been living in for the past eight years I had … time I thought about my previous experience attempting to buy a coop in Brooklyn and did a mental calculation In half … Elle Bee is a lifelong renter currently in the process of buying a Brooklyn apartment recounted in her biweekly …

By Elle Bee |June 17, 2013 - 10:22AM
Another co-op board package, and a commitment letter countdown

… statements demonstration of income 12 months of cancelled rent checks I provided six letters of employment verification supporting up my freelancer status and another six letters of business and … onequarter of the residents actually owned dogsI knew I had legal grounds to fight him But did I really need one more …

By Elle Bee |May 29, 2013 - 8:58AM
The two most beautiful words a mortgage applicant can hear

… At this point in my apartmentbuying careerand yes at times it has felt like a fulltime … lender with access to more flexible loan products than what commercial banks can offer  I was assigned by phone to … recommended a statesponsored loan program for firsttime buyers appropriate for midincome earners and people like me …

By Elle Bee |May 6, 2013 - 1:42PM
Hell is applying for a mortgage...as a self-employed writer

… Mary my loan coordinator assured me it would go faster this time and within a week sent me the list of materials she required I set to work assembling new bank statements the IRS income verification forms letters … to an assignment but sent her an email from my phone What is the income requirement the ratio theyre now seeking …

By Elle Bee |April 22, 2013 - 11:41AM
Elle makes a deal

… numbers game Elle Bee is a lifelong renter determined to buy an apartment in NYC She is documenting her experience for this column  Diary of a FirstTime Buyer   Related posts How to Buy a NYC apartment What I learned from 150 apartments …

By Elle Bee |April 8, 2013 - 2:10PM
To pick up the pieces, shut off your Trulia alerts and go on the rebound

… than I should but also with the fear that the minute I hopped a cab the bus would arrive   It also was a little bit … up for a new round of open houses  Elle Bee is a lifelong renter determined to buy an apartment in NYC  She is … + Financing … Sales Market … Live … Neighborhood Intel … Rent … The Market … Diary of a First-Time Buyer … Brooklyn … …

By Elle Bee |February 25, 2013 - 3:03PM