Mike Picciano, our Mortgage Consultant and Dream Maker!


Tip: First time home buying programs are available with as little as 3% down


I listen to Mike enlighten us weekly with his educational moments, pride from getting people homes they desire, and all around professionalism.  He has shared with us some tips in order to make sure we don’t get steered wrong when we are in one of the largest transactions of our life-times — buying a home.

Things to know when you are purchasing a home:

  • First time home buyers should work with our home-ownership power team. They will shed light from a few angles in order to paint a full picture of your financial transaction.
  • It’s important to work with a knowledgable and seasoned Real Estate Agent (Sherry Wiggs) and a comparable Real Estate Attorney (Larry Bellom).  The expertise they will lend to your proceedings with ensure no discrepancies that could haunt you later down the road.
  • 6% Sellers Concession. Some programs allow as much as  a 6% sellers concession.  This is a complicated offer.  If you would like to know more, please contact me.
  • Very important to get a home engineering inspection prior to signing a contract.  This should not be optional.  Mike feels it is a neccessity to know what you are buying.  And unless you are a qualified inspector, you will never see what they see.
  • Insure title is clear. Prior to closing and the seller is responsible to address any issues on title prior to closing.
  • Insurance. After closing, make sure to review your homeowners insurance policy annually to insure proper coverage.



Call me now. I’m happy to discuss your options for your first or fourth home.



O 914-277-2127 | C 914-419-8592  |  mpicciano@mtb.com

Michael A. Picciano   |    NMLS ID#468421

Bank Officer | M&T Bank ; Senior Mortgage Consultant
Somers Towne Center; Route 100 & 201|  Somers, NY 10589
E-fax 866-952-9864 | Web: mtb.com/mpicciano


Kevin Brown is an upstanding member of our group! Hudson Barter Exchange Owner


We have advertising spots for BARTER!



Kevin Brown regales us with his snappy wit and worldly experience as a $3 million successful Westchester County Small Business.  In his speech, he talks about the exchange’s exclusive opportunities in media spot procurement!

As a marketing agency owner myself, I agree that Westchester County’s businesses need to participate in the Hudson Barter Exchange to take advantage of these and many other amazing opportunities.   They will help you trade for advertising space in publications such as:

  • Architectural Digest
  • Conde Nast
  • Rail Advertising
  • Local print
  • Radio
  • Online banner campaigns
  • Event sponsorships
  • Digital outdoor spots in TIMES SQUARE!

Who does this benefit? For all area electricians, restoration businesses, land architects, home architects, contractors, and  service industry businesses; this form of advertising with boost your brand and generate leads. It is easy.  The commitment to spend the money on magazine advertising is a costly endeavour when you’re pulling cold hard cash out of your pocket. BUT…

…when you are a member of the Hudson Barter Exchange, your phone is ringing during down times, and your business is always growing!

Call Kevin and he’ll be happy to fit you with a publication that suits your business — (914)-372-7155   Kevin@HudsonBarterExchange.com or sign-in online:





Check out how your business can benefit from the exchange.


YOUR EARLY RETIREMENT CHEAT SHEET – From our Financial Advisor, Steve Troccoli!


Call me for your retirement financial planning.  (212) 977-3111

Steven John Troccoli
Financial Advisor

Hamowy, Conigliaro & Associates
A financial advisory practice of Ameriprise Financial Services, Inc.
120 W 45th St
Ste 1410
New York, NY 10036
(212) 977-3111

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