Posts from June 2014
Coldwell Banker American Homes Blog
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June
16
16
Meet Nancy Kalberer
Nancy Kalberer grew up in Wantagh, graduating from Wantagh High School and continuing her education, received a BA in economics from Hartwick College in Oneonta, and an MBA in marketing from Adelphi University. Nancy then worked for a local utility company in Brooklyn, as a Senior Marketing Analyst for 11 years.
Nancy got married and had three children. She needed a job where she could have flexible hours and be close to home. In 1989, Nancy earned her Real Estate License. With in the first few years of her Real Estate career, she took the additional required courses and is now a Licensed Real Estate Broker Assoc. Nancy has been working for Century 21 American Homes for 10 years. She has been an award winner in the Century 21 International Master Program achieving the diamo...
June
14
14
Meet Joe Ricco
Joe Ricco is an Associate Broker in our Westbury Office. He resides in Westbury with his lovely family and is active in his community. He is a proud supporter of Easter Seals and always ready to lend a helping hand at any of our company's charity fundraisers.
Before he became a Real Estate Agent, 23 years ago, he trained and raced horses. His personality and dedication to his work quickly made him a star in the Real Estate Arena. This dedication gives him a definite advantage when it comes to helping his clients, with all their Real Estate needs. You'll find that his work ethic ... on weekends, at night, or anytime at all ... will get the job done quickly and at the best price possible. Joe became a member of the Century 21 American Homes family, 18 years ago. For many years, Joe ha...
June
12
12
Should I Apply for a Loan with or without My Spouse?
(MCT)-QUESTION: My wife and I are looking to purchase a $450,000 home, and I am wondering whether I should apply for the mortgage as an individual, or jointly with my wife. I make $84,000 a year and have a credit score of about 800. She makes $48,000 and has a credit score of about 680.
I have about $25,000 of financial assets in my name and no debts; she has $32,000 and no debts. Figure we will be here for 7 years.
ANSWER: Congratulations on considering this question before you start house-shopping. The extra time could come in handy, as I'll explain shortly.
When you apply for a mortgage jointly, your incomes are combined, and so are any financial assets that are carried in your individual names. Combining income and assets strengthens your application, making it more likely that you will qualify for the mo...
June
12
12
Meet John Gandolfo
John Gandolfo, a Licensed Associate Broker & Team Leader Of The Gandolfo Team, majored in sales & marketing in college. Before beginning his career in Real Estate, John first worked in construction, and afterwards, spent 25 years in a sales & marketing career. With his background real estate was an easy choice. His knowledge of structure, architecture and marketing prepared him well to start his real estate career. Often times an agents past work experience can benefit greatly when transitioning to a career in real estate of which John is a perfect example.
John has been a Nassau County resident for over 28 years and is very active in the community. He gives back to the community by contributing to several local charities including The Knights of Columbus & Easter Seals.
John has been a top Real Estat...
June
11
11
Meet Anna Aprea
Anna Aprea, a Licensed Associate Broker in Century 21 American Homes' Oceanside office, attended Nassau Community College. While deciding her future, Anna began her real estate career in 1997. It was her first venture in the business arena where she has remained a full time Real Estate Professional for 17 years. She joined the Century 21 American Homes Family 3 years ago and continues to be an outstanding success story.
Anna is very active in her community as a member of the Ladies Auxiliary and she is active in several local charities. She is experienced in the entire Long Island real estate market including the Queens and Brooklyn areas (she started her career in Ozone Park). She is well versed in all aspects of residential real estate including single & multifamily homes, co-ops, condos, rentals and has handled numerous Commercial transactions as well. Ann...