Imma Carletto (Houlihan Lawrence) Real Estate Agent



Imma Carletto
location_on White Plains, NY — Houlihan Lawrence
Get to Know Imma Carletto

As a leader in Westchester the Houlihan Lawrence family knows the future is brighter for all of us. By joining Houlihan Lawrence Real Estate a brand icon in American homes for over 125 years we are declaring our committment to growth. Yours and ours. We look forward to the opportunity to bring our strength to your real estate future. 

We listen to your needs and work with you to find you the perfect home or rental property. We preview all homes before wasting your time because we know how valuable time is.  Understanding today's market is key to a successful transaction. Our agents will give you the facts coupled with statistics so you'll feel at ease when making such a huge decision. We redefined the meaning of full service and continue to do so everyday. Our track record proves it.



As a realtor, I list and sell homes, do tons of rentals and I also LOVE to work with first time home buyers because they have so many questions and I love to talk! I'll walk you through every step of the way and explain each process until your comfortable. You can call me anytime day or night. I live for this!  I've been in Westchester County all my life and am an expert in White Plains and surrounding areas such as Scarsdale, Hartsdale, Hawthorne, Thornwood, Valhalla, Elmsford, Pleasantville, Chappaqua, Briarcliff, Armonk. Mt. Kisco, Bedford & Katonah.   Ask me anything! If I don't know the answer right away I'll always get back to you within 24 hours.


The following article appeared on KCM Blog 5/10/11:

If you plan on moving anytime in 2011, you should strongly consider selling your house now rather than waiting. Here are five reasons why:

1.) This is when your house will get the most exposure 

The spring, and particularly the month of May, is when most buyers enter the real estate market. This surge of buyers dramatically increases the exposure for your house . The best chance of getting quality offers (perhaps even multiple offers) is RIGHT NOW!

2.) Foreclosures and short sales will increase in about 90 days

The good news is that the number of people paying their mortgage on time is increasing. This will lead to less distressed property sales later this year and throughout 2012. The not-so-good news is that there is still a large inventory of existing foreclosures and short sales that will still be coming to market.

As an example, LPS reported in their latest Mortgage Monitor that:

There are still twice as many loans going 90+ days delinquent as are starting foreclosure There are almost three times the number of foreclosure starts as there are foreclosure sales Distressed property inventory levels are almost 45 times the rate of monthly foreclosure sales 

This means that there is a backlog of properties which will start coming to the market in about 90 days as banks clear up their paperwork challenges. These properties sell at dramatic discounts. They will be your competition. Both Fannie Mae and Freddie Mac have recently discussed the magnitude of this challenge.

3.) Interest rates have risen over the last six months

Interest rates have stabilized recently. However, in the last six months, interest rates have climbed over 1/2%. Every time the rates increase 1/4%, approximately 250,000 buyers are eliminated from qualifying for a mortgage. In an environment of volatile rates, waiting could mean that there will be fewer buyers eligible to purchase your house. It also could mean that you will pay a higher rate on the next home you buy.

4.) Qualifying for a mortgage is about to get even more difficult

Besides increasing rates, there are other factors that will hinder a buyer's ability to qualify for a mortgage as we move forward. Lending standards have been getting tighter over the last year. And as the government debates the new proposed guidelines (QRM), banks are gearing up for even more stringent standards.

Morgan Stanley recently stated:

"Recent developments in issues such as GSE reform, Dodd-Frank securitization rules, and foreclosure settlement issues suggest a tighter and more expensive environment for mortgage credit." 

This may impact any potential purchaser for your property and may also impact your next purchase.

5.) It's time to get on with your life 

Probably the most important reason to sell is so you can get on with your life. You placed your home on the market for a reason. Do not allow a less-than-stellar housing market prevent you from reaching your goals as an individual or as a family. Think about the reasons you decided to move in the first place. Are these reasons still important to you? If you have to take less than you were originally hoping to get for your house, your family has a question to ask each other: Is the dollar difference in sales price worth putting off our plans? Only you and your family know the answer to that question.

Bottom Line 

If you plan to sell this year, the reasons above prove that selling now makes more sense than waiting to later in the year. Sit with a real estate professional in your area today to fully understand your best option.

 Source: KCM Blog 5/10/11

5 Reasons Why It's Still a Good Time to Buy The housing market is looking healthier. Here are five reasons why now is the time to jump into the market.

1. People have to live somewhere. About 800,000 new households are formed each year in this country, ensuring that the housing market will tighten, even if the economy doesn't soar.

2. Borrowers leverage their investment. If you put $10,000 into the stock market and it earns 10 percent, you've earned $1,000. If you put $10,000 down on a home and its values increases 10 percent, you've made $10,000.

3. When prices come back up, you'll have instant equity. In parts of the country where foreclosures have driven down prices, better times will mean the price of the home you buy will rise rapidly.

4. Mortgage costs stay the same. If you get a fixed-rate mortgage, the monthly payment stays the same - while everything else, including rent, goes upward.

5. You own it. There is something comforting in the notion that your home is your own. You can paint it any color you want, let the dog run in the back yard and hang a swing for the kids in the front.

Source: The Wall Street Journal, June Fletcher 3.27.09

More about me.....

Licensed Associate Broker

Proud Member of WPMLS

Proud Member NYSAR

Proud Member WCBR

Short Sales & Foreclosures Resource (SFR) Certification

Active Member Meals on Wheels Volunteer, White Plains Chapter

Proud Member and Activist for Autism Speaks

Proud Member Ct Center for Child Development:

Bilingual - Fluent in Italian

2006 - Recipient of sales award Prudential Rand

2007 - Recipient of silver sales award with MLS & Prudential Rand

2009 - Recipient Silver Sales award with MLS & Better Homes & Gardens Real Estate

Coming Soon: Pleasantville New Construction homes offering 2500 - 3500 sq ft, walk to Chappaqua RR and shops.  Email me for more information on these exquisite homes. Pre-Construction Sales going on now.



Exceptional knowledge of White Plains and surrounding areas. My family has been in the real estate & construction business for 30 years. Let me put my sales experience to work for you! Fluent Italian