Inga Modu-Rella
Keller Williams Realty Group

Most comprehensive information and links



Most Comprehensive Covid Related Resources  Your Covid Survival Kit


Grab Your FREE Guides:

Seller Guide to Selling Under Current Market Conditions

Comprehensive Guide to Buying Your New Home


School Information:

Quality of education is one of the most important factors when moving to a new area. As a local neighborhood expert, I can help you evaluate schools in the area that meet your unique needs. 

You can find out information on each school district website, at NYS Education website:

Or check these links:


Senior Citizen’s, Veteran’s, STAR, and Disability Exemptions

The School Tax Relief (STAR) Program, which became law in 1997, provides a partial exemption from school property taxes for owner-occupied, primary residences such as one, two and three-family houses, condominiums, cooperative apartments, and manufactured homes (also known as mobile homes in Real Property Tax Law). The deadline for filing new and renewal exemption applications is March 1.

Check for changes coming to STAR Program: February 2022 Update

To learn more about the Star Program, follow this link:

To learn more on how Star Program works for cooperative apartments, read here:

To file Application for Star Exemption, fill up attached application form & mail it to your local assessor's office:


Reverse Mortgage for Seniors

More and more seniors apply for reverse mortgages. What is a Reverse Mortgage?  It's a home loan program for those who are 62 and above. A reverse mortgage allows homeowners to borrow money using their home as security for the loan. Watch this short video to see how they work and what to consider before applying.


#reversemortgage #reversemortgage #reversemortgages #reversemortgageloan #reversemortgagefordummies #reversemortgageeducators

Is it worth it to pay off the mortgage early?
Paying off your mortgage early can save you a lot of money in the long run. The extra money toward monthly mortgage payments can allow you to own your home sooner. If you want to learn ways to save, DM or text me at (914) 222 0395. It's a good idea to have an emergency fund before you put your money toward your loan. To calculate how much you can save over the lifetime of your mortgage, check the mortgage calculator.

New York State Launches COVID Homeowner Assistance Fund

Check Instructions for Homeowner Benefits Application 2022:


Tax Relief for Small Businesses and Middle Class. 

Governor Kathy Hochul today announced new efforts to deliver tax relief for thousands of small businesses and millions of middle class New Yorkers as part of the 2022 State of the State. Check here:


Property Tax Relief Credit

The property tax relief credit for 2018-2019 has been phased out. If you believe you were eligible and have not applied for it, check this link:


NYS ORPTS Municipal Profile. Office of Real Property Services (Westchester County):


Property Tax Grievance procedure:

Watch on Youtube:

To learn about steps to take, follow this link:

To file an application to review an assessment of your property outside New York City, follow this link: .

New York City residents - Contact the NYC State Commission - 212-669-4410



With Open Book New York, you can search the spending of your State and Local governments:

Search Local Government Spending
See how your county, city, town, village, fire or school district gets and spends your money.

Search State Contracts
Look at New York State contracts and see who is doing business with the State.

Comptroller DiNapoli created Open Book New York as a way to make government more transparent by 'opening up the books' of State and local governments, so you can see how your taxpayer dollars are spent.



Get your Free Annual Report 

If you are preparing to buy a home, even before applying for preapproval, it is a good idea to check your credit history. In 2003 Federal Government required that each of the three credit reporting agencies: Equifax, Experian, and Transunion provide, upon request, a free credit report every twelve months to every consumer. The goal was to allow consumers a way to ensure their credit information is correct and to guard against identity theft. Get your free annual credit report at:

Your Source for a Truly Free Credit Report!

How how to review your credit report

Review your credit report and make sure it doesn't have any errors by downloading this checklist form:

Check your credit report for errors here! Good luck!


Check for crime

Is your neighborhood safe?


ePropertyWatch is the service offered directly to homeowners by CoreLogic. Now, for the first time, they bring this capability directly to homeowners. Now you can conveniently monitor your home for liens, value changes, and neighborhood activity yourself. It's free and safe. Sign up for the information about your property here: Sign me up for free eProperty


Check for local amenities:

You can find out what is within walking distance of the home by following this link:


Find the best places to live in NY:

Are you moving to NY and want to learn more before you make your move? Check this link:


Learn about Making Home Affordable Program (MHA) and address other lending and servicing needs beyond primary modifications or refinances. Find resource documents and tools on the following pages that are specific to each Program by visiting Making Home Affordable website: http//


Westchester Arts Events


Check Westchester County Key Property Assessment datesWestchester County Property Tax payment dates.


Search for Childcare Programs

Choosing child care is an important decision. You know what is best for your child and your family. To start your search on your own, follow this link: You can search the entire database of regulated child care providers in New York State (with the exception of daycare centers in New York City). This search engine will allow you to look up a specific provider by name, or all the providers in a particular county or even zip code. It also lets you search by different types of care, such as family daycare or daycare centers. You will see information on the program including contact information, address, capacity; when it first opened and the current status of its license or registration.

To find a licensed daycare center in New York City by borough, simply follow this link:


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