Ossining NY Real Estate & Homes for Sale

Fall in love with this charming colonial-style home offering endless potential to make it your own. As you enter, you're greeted by a welcoming enclosed front porch, perfect for enjoying morning coffee or adding a touch of seasonal charm. Inside, the spacious living room flows effortlessly into the dining area and office/den, creating a comfortable space for everyday living. The kitchen features custom cabinetry, a center island, and is thoughtfully designed for easy meal prep. A half bathroom is conveniently located just off the kitchen for added convenience. Upstairs, you'll find three bedrooms and a full bathroom. The attic with pull-down stairs provides valuable extra storage for seasonal items or household essentials. The full basement includes utilities, washer/dryer hookups, and a blank canvas for future expansion or great storage. Step outside to enjoy the patio, perfect for summer BBQ's, and relax in your own above-ground pool with deck. A 2-car garage offers added storage and parking. Conveniently located near shopping centers, restaurants, local businesses, schools, and with easy access to Route 9 for a seamless commute to NYC.

Welcome to 135 S Highland Avenue Unit #B5, a desirable cooperative in the heart of Ossining! This inviting 2-bedroom, 1-bath cooperative offers 925 square feet of comfortable living space just minutes from the Metro-North Ossining train station. Step inside and you'll find sun-filled rooms with plenty of space to relax or work from home. The living area flows nicely into a cozy dining space, perfect for quiet evenings or casual get-togethers. The complex is beautifully landscaped, with well-kept grounds that make every stroll feel special. Enjoy lush green lawns, colorful flowers, and peaceful outdoor seating areas. It's like having your own park right outside your door! Parking and convenience are a breeze here, with easy access to nearby parkways for a quick commute. Local shops, restaurants, and everyday essentials are just minutes away, putting everything you need right at your fingertips. Don't miss this chance to own a slice of Ossining charm in a well-maintained cooperative community. Schedule your showing today and see why 135 S Highland Avenue Unit #B5 is ready to welcome you home!

Welcome to this timeless 1912 Village Four-Square, perfectly perched on a serene hill in the heart of Ossining's Village. This classic stucco home combines original charm with thoughtful modern updates, offering a unique blend of character and convenience. Having been lovingly cared for by only three families, the home features exquisite original chestnut wood moldings, custom cabinetry, original radiators, and offers abundant natural light throughout. Step outside to discover a professionally designed backyard sanctuary. Recently fenced and featuring a new stone patio with a surrounding seat wall, this garden is a haven for birds and beneficial wildlife. An engineered stormwater drainage system and carefully selected plantings, including flowering dogwoods, redbud, irises, geraniums, and native magnolias, ensures seasonal interest and pollinator support. Landscape lighting and a Hydrawise smart irrigation system make garden care effortless. Inside, the home offers three bedrooms, with the third bedroom connected to the primary suite - ideal for a nursery, office, or sitting room with stunning Hudson-facing views. A staircase from this space leads to an easily accessible attic, well-insulated with spray foam for enhanced energy performance. Upstairs, a full bath with a tub/shower is complemented by a convenient powder room on the main level. Enjoy wood floors gracing most of the rooms, with doors leading to the yard from both the den and kitchen, enhancing the home's connection to its beautiful outdoor space. The basement includes laundry, workshop area, and ample storage space. Parking is a breeze with easy street access. Situated less than five minutes from Ossining's beautifully renovated public library, various grocery stores, pharmacies, gyms, downtown shops, and the Metro-North station, this home offers a rare mix of privacy, character, and accessibility.

Welcome to Fox Hill! This generously sized 2-bedroom, 2.5-bath townhouse with a versatile loft/den is located in one of the area's most desirable developments. The bright eat-in kitchen features granite countertops, wood cabinetry, and stainless steel appliances. The open layout seamlessly connects the dining room to the living room with wood burning fireplace. Enjoy the large deck with just a few steps to the yard - perfect for outdoor dining and entertaining. Upstairs, the primary bedroom includes an ensuite bath and a dressing area with ample closet space. A second bedroom and a full hall bathroom provide comfortable accommodations for family or guests. The loft/den - with sliding glass doors to a private balcony - offers flexible use as a home office, guest room, or creative space. The community has seen substantial upgrades over the years, including new roads, roofs, walkways and vinyl siding. Underground sprinklers are currently being installed. Residents enjoy access to outstanding amenities including a pool, tennis and basketball courts, and a playground. Located just minutes from Teatown Lake Reservation's scenic trails and close to train stations and major highways. This spacious home presents a wonderful opportunity to add your personal touch and make it your own!

THIS IS NOT JUST ANOTHER LISTING! Don't miss this RARE opportunity to own a newly constructed home in the heart of Westchester County. This thoughtfully designed, three-level residence is currently being built with modern energy-efficient standards and fitted with premium, top-tier appliances. Every aspect of this home has been crafted to deliver both style and functionality for today's discerning homeowner. The interior layout offers a seamless blend of practicality and elegance. A fully finished basement provides versatile space for storage, recreation, or a home office. The main level features a welcoming foyer, an open-concept kitchen with a butler's pantry, a formal dining room, and a bright, spacious living area - ideal for both everyday living and entertaining. The home includes three well-proportioned bedrooms, highlighted by a luxurious primary suite complete with an ensuite bath and a generous walk-in closet. Located in the desirable community of Ossining, the property affords easy access to scenic Hudson River views, public transportation options, and a vibrant downtown filled with restaurants, cafes, and local shops - all within walking distance. This home presents an exceptional opportunity for families looking to settle in before the new school year begins, offering not just a fresh start, but a brand-new home built with care, comfort, and quality in mind.

Charming Colonial in Prime Ossining Location! Welcome to this well-maintained single-family Colonial nestled in the heart of Ossining, NY. This inviting home offers 4 spacious bedrooms and 1 full bathroom, with the convenience of a first-floor bedroom - perfect for guests or flexible living arrangements. Located in a great neighborhood, this property combines classic charm with modern comfort. The home has been lovingly cared for and is move-in ready, making it an excellent choice for homeowners seeking both style and practicality. Don't miss this opportunity to own a beautiful Colonial in one of Ossining's most desirable areas!

Tucked away at the end of a quiet cul-de-sac, this charming Cape cod is the kind of home that just feels good from the moment you arrive. With 4 bedrooms, and 3 full bathrooms, there's plenty of room to spread out, grow, and make lasting memories. Step inside through a stylish glass-paneled front door and into a sunlit foyer that sets the tone for the rest of the house. The kitchen - spacious and practical - opens directly onto a patio through sliding doors, making it easy to enjoy weekend BBQs, casual dinners outdoors, or peaceful mornings with coffee and the sound of birdsong. The living and dining rooms are filled with natural light, thanks to oversized windows that frame views of the surrounding greenery. This home offers the added convenience of a first floor bedroom. Upstairs, the oversized primary suite boasts three exposures (south, east, and west), a generous walk-in closet, and enough space to turn into your personal sanctuary. The lower level offers a substantial basement with laundry and features high ceilings and a welcoming layout - an ideal spot for movie nights, hobbies, or just hanging out with loved ones. One hour from NYC, this home is ideally situated to nearby river front parks and Crawbuckie Nature Preserve. A home that brings together comfort, light, and natural beauty - don't miss your chance to make it yours.

Bright and airy 4-bedroom split ranch in an unbeatable location! Filled with natural light, this sunlit home features skylights, central A/C, and a spacious fenced-in backyard - ideal for relaxing or entertaining. Enjoy a true walk-to-all lifestyle with top-rated schools, Nelson Park, shops, the year-round farmers market, and Westchester Community Theatre all nearby. Just minutes from public transportation and an easy NYC commute. Nestled near the majestic Hudson River, this home offers the perfect balance of comfort, convenience, and community living.

Welcome to your next home - a stylish 2-bedroom condo where modern living meets comfort, and where your four-legged family members are warmly welcomed! Hudson Point is a lovely pet friendly complex overlooking the historic Hudson. Enjoy stunning sunsets in this 2 bedroom, 2 bath end unit with partial seasonal river views. Step inside and discover an open-concept living space filled with natural light. The thoughtfully designed kitchen features quartz counters and custom maple cabinets w/a convenient breakfast bar, ideal for both casual meals and entertaining. This sunny unit includes a floor to ceiling atrium which is divine. The kitchen flows seamlessly into the bright and airy living room, with brand new Pergo floors & a cozy fireplace. The spacious living area flows seamlessly to an oversized balcony, perfect for morning coffee with your pup by your side. Both bedrooms offer generous closet space, with the primary suite featuring an en-suite bathroom and a walk in California closet with access to a large attic for extra storage. The second bedroom works beautifully as a guest room, home office, or dedicated space for your furry friend's bed and toys. Dog owners will appreciate the new durable flooring throughout, nearby walking trails, and the community's pet-friendly policy. What's not to love with all this space, new floors and YES an in-unit washer & dryer for added convenience? Hudson Point's sought-after amenities are just steps away, including a pool, clubhouse, fitness center, and basketball court. Ample parking is available, and the community is conveniently located close to the train station, shopping, and restaurants, offering the perfect blend of suburban tranquility and urban accessibility. Ready for you right now, this beautiful home needs absolutely nothing but your furniture. Nicely updated throughout, this rare pet-friendly riverside property offers instant enjoyment with zero renovation hassle. These exceptional opportunities don't last - schedule your private viewing today before this perfect retreat becomes someone else's new address. Don't miss out on the opportunity to live in this incredible pet friendly riverside retreat - just move in and enjoy! Very important note: this is not ground floor.. there is 1 flight of interior stairs.

A beautifully maintained end-unit townhome nestled in the desirable Hamlet on Spring Pond community in Ossining. This spacious 2-bedroom, 2.5-bath residence offers the perfect blend of light-filled interiors, functional layout, and serene outdoor space. The main level features an inviting living room with a wood-burning fireplace, oversized windows, and direct access to a private deck - ideal for morning coffee or al fresco dining. A formal dining area with a stunning bay window flows into the kitchen, creating a natural space for entertaining. Upstairs, the expansive primary suite boasts vaulted ceilings, hardwood floors, and a peaceful view of the trees. A great sized second bedroom is currently staged as home office. Enjoy the convenience of an attached garage, private driveway, and beautifully landscaped surroundings, all set within a quiet, amenity-rich community with tennis courts and a seasonal pool. Close to shopping, nature trails, Metro-North, and all the charm Ossining has to offer.

Panoramic Hudson River Views | Custom Architecture | Resort-Style Amenities | Discover an extraordinary sanctuary, where every detail has been carefully curated to create an unparalleled living experience. This architecturally stunning residence seamlessly blends sophisticated design with the natural beauty of its coveted river view location. Make a memorable entrance through the property's dramatic 20-foot custom fountain, surrounded by meticulously maintained professional landscaping. The hand-laid Delaware distinctive stonework and thoughtful architectural details create an immediate sense of arrival, setting the tone for the luxury that awaits within. Flooded with natural light, the generous living spaces feature an intuitive open-concept layout that effortlessly transitions from intimate family moments to grand-scale entertaining. Soaring ceilings and expansive windows frame the ever-changing Hudson River vistas, bringing the beauty of the outdoors seamlessly inside. The master suite and guest bathrooms have been transformed into private wellness sanctuaries, complete with luxurious Jacuzzi tubs and premium finishes. These serene spaces invite you to unwind while taking in peaceful water views, creating your own personal spa experience at home. This exceptional property offers the rare combination of luxury and convenient accessibility. Whether you're hosting elegant gatherings, enjoying peaceful moments overlooking the river, or simply living day-to-day with elevated convenience and style, this rare property delivers an unmatched residential experience. Perfect for discerning buyers seeking: - Unobstructed Hudson River views - Custom architectural details - Premium entertaining spaces - Spa-like amenities - Professionally landscaped grounds - Move-in ready luxury

Highest and best offers requested by end of day 7/2/25. Don't hesitate on this opportunity! This is a beautiful, move-in ready, condo in the sought after subdivision of The Woods. Enjoy the tranquility of this community while still being conveniently located to everything you need. No need to worry about any costly updates as this condo has a new roof (2024), all new energy efficient mechanicals, nest thermostats, and updated windows. Don't forget the luxury of a one car garage, a private blue stone patio, and all of the community amenities including access to the pool as well as tennis and pickleball courts. A truly must-see property to act on today!

This huge 5-bedroom, 3-bathroom home, is beautifully maintained and tucked away on a quiet, tree-lined residential street in the heart of Ossining has 2 bedrooms conveniently located on the main level for folks not wanting to walk up steps, guest accommodations, or a private home office setup. Even more room downstairs, the fully renovated basement which has a separate entrance and full bath which offers endless possibilities - whether you envision it as a recreation area, in-law suite, or your very own entertainment hub. Don't miss the custom wet bar - a true showstopper and must-see feature that adds character and fun to the lower level. The driveway parks 4+ cars and you also have a one car garage. Step into the inviting living room, centered around a classic wood-burning fireplace, perfect for cozy winter evenings. The main level flows seamlessly into a spacious eat-in kitchen and opens out to a large, full backyard deck, ideal for entertaining or simply relaxing with the tranquil sound of a babbling brook, just beyond the yard - a rare and peaceful natural touch. Other highlights include: 3 full bathrooms across the home for added convenience One-car garage plus a driveway that fits up to 4 additional vehicles New oil tank and upgraded electrical system** for modern peace of mind Delivered vacant and move-in ready The home feels impressively roomy and comfortable, offering space to grow, host, and relax. All of this located just minutes from local parks, shopping, and Ossining's Metro-North station for easy commuting. Whether you're looking for more space, a move-in ready multi-level layout, or just a serene setting to call home - 20 Pine Ave checks all the boxes. Schedule your private tour today and come experience the possibilities firsthand!

Beautifully maintained raised ranch nestled in a quiet Ossining Neighborhood-just minutes from Hudson River trails,local parks,and Metro North.Whether you're commuting to NYC or escaping into nature,this home offers the best of both worlds.Featuring:3 bedrooms,2 full bathrooms,1,604 sqft interior on a 7,405 sqft lot.large kitchen,finished basement with laundry.2 car garage,long driveway,Built in 1998.

Welcome to 14 Gates Avenue, a unique opportunity in the heart of Ossining. This charming single-family home is being sold as-is, offering endless potential for renovation, expansion, or investment. Included in the sale is a valuable additional parcel of land, providing added privacy, space, or future development possibilities. Set on a quiet, tree-lined street, this property features a classic layout with generously sized rooms, abundant natural light, and original details throughout. Whether you're a homeowner with a vision or a savvy investor, this is your chance to create something truly special. Conveniently located near parks, schools, shops, and public transportation, 14 Gates Avenue combines suburban tranquility with easy access to everything Ossining has to offer. Bring your imagination and make this property your own!

Welcome to Highland Terrace, 129-1 Unit B6, a spacious 2 bedroom, I bath in a beautiful complex, garden style top floor unit. This unit is on lower back side of the complex, pet friendly, close to shopping, restaurants, bus & train transportation. Kitchen/livingroom features addtional seating on either side, dining area in foyer, spacious livingroom with recessed lighting. Both bedrooms & livingroom have carpeting & ceiling fans. Full bath & linen closet. Monthly maintainence includes, heat, taxes, hot water, common maintainence, sewer, snow removal, graounds, trash. Laundry & storage space available. Beautiful pool & basketball court in upper level of complex. Board approval, 700+ credit, DTI ration 30% of less, $85k minimum income.

Charming Farmhouse Retreat on Over an Acre - Next to IBM Welcome to your private wooded haven, perfectly situated on an acre of serene land just moments from IBM. This farmhouse-style beauty offers the perfect blend of rustic charm and modern updates, with a wraparound porch that invites peaceful morning coffees and evening relaxation. Inside, you'll find an updated kitchen with recessed lighting, dimmer switches, and thoughtful finishes that create a warm and functional heart of the home. The spacious layout includes oversized bedrooms with gleaming hardwood floors throughout, and newer Andersen windows that bring in natural light and scenic views from every room. The showstopper? A massive 2,200 sq ft, detached 3-car garage featuring: Mini-splits and heated floors for year-round comfort A finished bonus room - perfect for a gym, studio, or entertainment space A private bedroom for guests, extended family, or office use This home is a rare find: peaceful, private, and packed with both character and convenience. Don't miss the opportunity to own this one-of-a-kind property - schedule your private showing today!

Stunning Colonial Home Set on 1.8 Acres in Westchester County, NY Welcome to your dream home! Nestled down a picturesque 300-foot driveway, this exquisite colonial-style residence offers the perfect blend of elegance and comfort on a serene 1.8-acre lot. With 5 spacious bedrooms and 3 full bathrooms, this 3,900 square foot home (with an additional 1,100 square foot finished walk out basement) is designed for modern living and entertaining. Enjoy timeless charm with a covered rocking chair front porch and a wrap-around back porch with a covered sunroom, perfect for relaxing even on rainy days. As you go inside, you'll be greeted by a sun-drenched entry and great room featuring soaring 26-foot ceilings, creating an inviting atmosphere filled with natural light. The open concept layout seamlessly connects the living spaces, making it ideal for family gatherings and entertaining guests. Gorgeous hardwood floors flow throughout, enhancing the home's timeless appeal. The main floor boasts a versatile 5th bedroom/office/playroom great for guests or multi-generational living. The heart of the home is the spacious, well-equipped kitchen with abundant cabinetry and counter space - perfect for everything from weeknight dinners to holiday feasts. Retreat to the luxurious primary suite, which offers a private oasis for relaxation with a jacuzzi tub, double sink vanity and two walk in closets. Additional highlights include two cozy wood-burning fireplaces and an expansive finished walkout basement adding incredible bonus space for a rec room, home office, or gym - fully heated with a pellet stove for year-round use, roughed in bathroom and walk in closet perfect for multi-generational living or au pair setup. Head outside to your own backyard paradise, featuring a 16x26 above-ground saltwater heated pool, perfect for summer fun and relaxation. The expansive outdoor space is ideal for hosting barbecues, family gatherings, or simply enjoying the tranquility of nature. With a spacious 2-car garage, abundant closet space throughout, and the peaceful seclusion of a private lot, all just minutes from shops, schools, parks, and the Croton-Harmon train station express to NYC, this home has everything you need! Don't miss your chance to own this exceptional Colonial in one of Westchester's most desirable communities. Schedule your private showing today and discover the warmth, space, and elegance of this Ossining treasure! Taxes have been successfully grieved and reduced.

Welcome to 383 Illington Road - an amazing, oversized 3 bedroom colonial that lives like a 4 bedroom, with 10 foot ceilings, nestled on over 5 acres of picturesque, level land in the highly sought-after Yorktown Central School District. This exceptional property offers privacy, space, and convenience, including an additional lot with an adorable treehouse for everyone to enjoy. All just minutes from the Taconic Parkway. Inside, you'll find a warm and inviting atmosphere featuring a stunning stone wood-burning fireplace as the centerpiece of the main living area, complemented by an additional gas fireplace that adds charm and comfort. Expansive rooms throughout provide endless possibilities for entertaining and everyday living. Enjoy the tranquility of nature while being close to schools, shopping, and major routes. A rare find with this much land and character - don't miss the opportunity to make it yours!

Enjoy carefree living Embrace comfort and convenience living in this large two-bedroom, two-full bath condominium in the desirable Briarcliff Woods community in prime northern Ossining location. Enjoy breathtaking views from this light and bright, spacious upper-level END UNIT with southern exposure. Features include beautiful hardwood-look laminate flooring, recessed ceiling lighting, formal dining room, updated eat-in kitchen with granite countertops, living room with a gorgeous brick wood burning fireplace, private balcony, three huge walk-in closets, laundry in unit, one assigned parking space and plenty of visitor parking. The complex itself forms a U-shape around its stunning gated inground pool and clubhouse. Its park-like grounds are meticulously maintained with colorful landscaping. Pet friendly community. On-site superintendent. Common charges include heat and hot water, and all complex amenities which include tennis and basketball courts, saunas, and jitney transportation to the Croton-Harmon Metro North/Amtrak station in rush hours (46 min. express trains to Grand Central Station). Croton Aqueduct access nearby. Also quick drive to restaurants, shopping, parks and highways. A must see. You won't be disappointed.

Welcome to 50 Snowden Avenue, Ossining, NY, a distinguished end unit nestled in the heart of Westchester County. This property offers a harmonious blend of comfort and convenience, making it an ideal choice for discerning buyers. With 1,990 square feet of thoughtfully designed living space, this home features two bedrooms and two and a half bathrooms, including a spacious master suite that provides a serene retreat. The residence boasts a finished basement, offering additional versatile space for your needs, whether it be a home office, entertainment area, or guest quarters. The eat-in kitchen is perfect for casual dining, while the living and dining room showcase elegant hardwood flooring, adding warmth and character to the space. Step outside to discover a private backyard and patio, complemented by a side yard ideal for gardening enthusiasts. The property is situated in a quiet neighborhood, yet remains conveniently close to a variety of amenities. Enjoy dining at nearby restaurants, shopping at the local mall, and easy access (1 minute by car) to the Metro North train station, providing a swift 50-minute commute to Grand Central Terminal. Outdoor enthusiasts will appreciate the proximity to a waterfront park and numerous hiking trails, offering ample opportunities for recreation and relaxation. Additionally, the village's nearby recreation center features a beautiful 25-meter lap pool, perfect for fitness and leisure. This property is currently available for sale, presenting a unique opportunity to own a home in a desirable location with excellent connectivity and access to local attractions. Explore the potential of 50 Snowden Avenue and envision the lifestyle it offers. Contact us today to schedule a viewing and experience firsthand the charm and convenience this home provides

For Sale - Charming Colonial in Yorktown Heights' Sought-After Teatown Neighborhood. Move right into this charming three-bedroom colonial, beautifully situated in the highly desirable T-Town neighborhood. Set on two serene, park-like acres with protected, undeveloped land directly across the road, this home offers both privacy and natural beauty. The spacious interior includes a large eat-in kitchen, a formal dining room, and an expansive living room - ideal for entertaining or quiet family living. A vaulted family room with an open loft adds a dramatic touch and offers flexible space that could be transformed into a luxurious primary suite. Step outside to a stunning mahogany wraparound porch, perfect for enjoying peaceful mornings or sunset views of the surrounding landscape. Inside, you'll find hardwood floors throughout, custom wood blinds, and Anderson windows that provide an abundance of natural light. The kitchen features stainless steel appliances, an induction cooktop, and a cozy pellet stove for added warmth and efficiency. Additional highlights include an invisible fence for dogs and a full-height attic offering excellent potential for future expansion. This home is a rare blend of classic charm and modern convenience in a tranquil, picturesque setting. Don't miss your chance to make this unique property your own.

This beautifully spacious renovated co-op unit offers 3 bedroom, 2 full bath an open floor plan for easy living. Located in much desirable Highland Terrace community. Well maintained curb appeal landscaping. This unit offers beautiful vinyl floors throughout the unit and sun filled windows. Living room is complimented with private patio and garden for outdoor living to experiencing the natural environment. Features also include; Ample closets space, access to storage unit available for your needs. Conveniently located to Scarborough and Ossining Metro North train station, park, restaurants, and shopping area. This truly is a must see!!

Inspirational. Awe inspiring. Witness first-hand the most stunning panoramic Hudson River views from EVERY room of this large two-bedroom, two-bathroom coop apartment in exceptional, Scarborough Manor - a gated community in Ossining, NY. This unit has exquisite, unobstructed southern views of one of the most poetically beautiful rivers in the world. The primary bedroom ensuite has its own bathroom and dressing room complete with cedar closet. Plus, there is a balcony, a walk-in pantry and more closets line the unit throughout. Almost .Almost move in ready. It's a lovely time of year to enjoy the private grounds providing a tranquil backdrop to everyday life. And there's still time to enjoy the clubhouse and outdoor heated pool with summer upon us. Each floor has its own laundry room. Close to everything you might need and some even within walking distance. Make an appointment. You've got to see this one for yourself.

Step into this fabulous duplex townhouse-style cooperative, boasting its own private entrance on a picturesque, tree-lined street. The main level unfolds into an inviting layout, featuring a bright and spacious living room, a dedicated dining room perfect for entertaining, and a well-appointed kitchen. Ascend to the second floor where you'll discover two generously sized bedrooms, each offering ample closet space to accommodate all your storage needs. A convenient hall bathroom completes this level. Throughout the entire home, rich, warm hardwood floors add a touch of timeless elegance. Residents benefit from the convenience of assigned parking, with additional on-street parking readily available, ensuring plenty of space for guests. The vibrant community also offers a wealth of amenities, including two meticulously maintained playgrounds, a full basketball court for active recreation, and accessible storage rooms. Requirement: Down Payment: 10% Financing: 90%, DTI (Debt to Income): 35% or under, Credit Score: 675 and above, If there are two buyers, the 2nd applicant must have a credit score of 675 or above, One (1) Year of Liquid Assets (Not including Retirement Accounts - Unless applicant is retired) to cover all expenses. No Late payments for the last six (6) mother on credit report, No Bankruptcy in the last 5 years, At least 2 years of steady Employment