Date Archives: September 2014

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| Needs & wants of home buyers | mortgage loans for new home construction | New construction home loans | Home Buyers - Price & proximity to work | Key Concerns for the home buyer | Impressive mortgage applications | Keys to getting your mortgage approved | Home buying mistakes to avoid | Home purchasing blunders to avoid | New homes vs older homes | to buy or not to buy a home | pet friendly rentals | Pets or no pets - apartment rentals | tips for home purchasers | Flipping houses | home flpipping 101 | spec houses | home buyer how to's | how to be a better home buyer | Mortgage amortization | A happy home | What makes you really happy? | Low housing inventory | Low inventory housing market | Home prices on the rise | Rising property values | Home buyer tips to open houses | Open House etiquette | Winning a home purchase bidding war | Home mortgage rate tips | mortgage tips for the new home owner | Home Equity Line versus 2nd Mortgage | buy a new home or expand your current home | Home improvements vs. new home purchse | Mortgage Rate Lock | Residential home mortgage rates | Improve your economic profile for home mortgage | Personal Finance | Costly problems for new home buyers | New home buyers avoid costly problems | Handy man special | The home fixer-upper | How to refinance | Refinance - without perfect credit | Debt to Income | Tackling Debt | Seasonal real estate trends | The fall season housing market | Factor in home repairs in your mortgage payment | Home repairs for new home purchasers | Home sellers negotiation techniques | negotiations for home buyers & sellers | The home buying process - stress free | The process of buying a home | Recently Read | Saved for Later | Great Neck | Massapequa | Huntington | Ronkonkoma | Brooklyn | East Meadow | Coldwell Banker American Homes | Local Attractions | Home Improvement | Interior Design | Queens | Fresh Meadows | Long Beach | Local Businesses | Farmingdale | Home selling | Suffolk County | Nassau County | Wantagh
September
26

  When it comes to property investment, timing is everything. Ultimately, choosing the right time to enter the market will have a significant impact on the long-term success of your investment. But how can you as an investor know whether the timing is right? Global property portal Lamudi has compiled a list of 10 tell-tale signs that now is the time to start building your investment portfolio.   Investment   1. You are financially ready. You have saved enough for the down payment and you have also established your emergency fund. You have taken into account home maintenance expenses. Your credit history is good and you are able to meet all the financial obligations.   2. You have set your long-term goals. You have a clear picture in your mind of the purpose of your investment and you are flexible enough to adjust to changing circumstances. You are not hesitant and when the timing is right, you are able to adapt to the market needs and the development of technologies.   3. You have done your research. You know the neighborhood of your future property well enough to foresee the coming trends and the possible changes in the community. You have researched all the schools in the area as well as the best commuting means and you are able to predict the next homebuyers needs.   4. You have chosen a stable economy. The area is financially stable, economic trends are promising and equities are surging. No demographic fluctuation or no irregular variation of population have been recorded in the area.   5. You understand the country's policies regarding real estate. The policies of the region promote and encourage a positive, innovative environment as well as drive further economic growth. The tax policy in the country is positive for homeowners. Global innovation index is rising in the area.   6. Infrastructure projects are underway and likely to lead to an increase in property values. The infrastructure of the area is being developed with a focus on: transport, energy, solid waste and water management developments.   7. The region is moving toward sustainable development. The region's awareness of global and local environmental issues is increasing, the demand for eco-friendly homes as well as for sustainable rural and urban development is rising. As more and more people head toward sustainable living, investing in sustainable property will increase its value in the future.   8. The location draws a lot of interest. Whether it is the best travel destination or the hot jobs spot, the location is always on the top of the search engine. It has become a successful startup hub already or is planning to do so in the coming years, driving a lot of job seekers into the area. The number of enrolled students is increasing every year, the area draws interest of international students.   9. You have found a reliable real estate agent. If you are an overseas buyer, it is particularly crucial to make sure you have a good representative on the ground. Your real estate agent is trustworthy and knows the local market well enough to be able to help you make the choice.   10. You have researched local differences in the property market. Whether you plan to invest in a residential property and turn it into a rental or an office space, you are fully aware of all cultural differences that might occur when you deal with a property seller.   Source: Lamudi Published with permission from RISMedia.
September
18

  School is back in session, but many people still have questions about a subject that is rarely taught in the classroom: their credit. Here, credit reporting bureau Experian explains the truth behind these common credit questions.   Credit Score What is my credit report used for? Credit reports often are referenced to help lenders quickly and objectively decide whether to grant consumers credit and under what terms. Information from credit reports can be used for select employment, rental housing, licensing, insurance and other specific business relationship decisions. Consumers also can check their credit reports for signs of identity theft or use them to better understand what influences credit so they can make more informed financial decisions.   Typical credit reports include the following main categories of information:  
  • Identification: the consumer's name, current and previous addresses, telephone number, reported variations of his or her Social Security number, date of birth, employer and spouse's name
  • Account history: specific information about each account, such as date opened, credit limit or loan amount, balance, monthly payment, payment status and payment history
  • Public records: bankruptcy filings, court records of tax liens and monetary judgments
  • Inquiries: a record of those who have reviewed a consumer's credit information
  How often are credit reports updated? In general, creditors forward information to the credit reporting agencies monthly after payments for that billing cycle are posted. Because billing cycles vary, account updates are received by the credit reporting agencies throughout the month. However, it is important to note that lenders are not required to report account information to the national credit reporting agencies. Participation is entirely voluntary. What do I need to know about my credit score? Credit scoring is a separate process from credit reporting. Lenders and other credit grantors obtain consumers' scores by selecting the scoring methods that are most predictive of risk for their specific kind of business. There is not one credit score. In fact, there are hundreds of credit scoring systems used by lenders. However, a credit score results from information in a consumer's credit report, translating various score factors into a simple number. This enables lenders to make more objective, consistent lending decisions - and make them more fairly and quickly.   Consumers also may track their own credit scores from a number of sources, including Experian.com. Any score consumers receive through a consumer score disclosure service, such as a credit reporting agency, will explain what the number means in terms of general credit risk and will describe the factors from the credit report that most influenced the score.   Credit score factors are the elements from consumers' credit reports that shape their credit scores. They could include:  
  • Payment history
  • Credit usage
  • Average age of accounts
  • Account types
  • Inquiries
  Factors like total debt, types of accounts, number of late payments and age of accounts affect credit scores; however, information such as marital status, age and occupation does not. Credit factors indicate what elements of a consumer's credit report most affected the credit score at the time it was calculated.   Source: Experian Published with permission from RISMedia.
September
12

  The Fall Street Fair In Merrick Is An Annual, New York Craft And Gift Show. A Unique Family Shopping Destination Where Consumers Can Interact With And Buy Directly From The Source-Emerging And Established Local Vendors.   fallfest   Century 21 American Homes welcomes you to visit us at our booth from 11:00AM - 5:00PM on Saturday (9/13) & Sunday (9/14)
  • Stop by for an a list of homes that have recently sold in your area!
  • Stop by for an a list of homes currently On The market
  • Have your Real Estate questions answered by our Expert Realtors!
  • Free Candy & Give-a-ways
  Stop by Saturday and take advantage with our partnership with Optimum   Stop By Sunday & speak to our Mortage Broker From PNC!   Come Meet Us With Your Family And Friends And Have A Relaxing, Unique And Fun Filled Shopping Experience. Carnival And Festivities For The Kids.
September
11

(BPT) - Buying a new house is an exciting time in your life. Because it is one of the most important investments you'll make for yourself and your family, there are many important factors to consider. Before making a purchase, take these four questions into account. Having the answers will allow you to enjoy your new home now and in the years ahead.   home 1. What exterior color palette speaks to you? Your home is a reflection of your personality and can be an extension of your lifestyle. When buying or designing a new house, contemplate its curb appeal. First impressions matter, so it's important to consider architectural style, exterior color and details like trim and landscaping. Coordinate the trim, soffits and doors with the primary siding color for a polished look. To help, look to popular and complementary color combinations developed by the color professionals at James Hardie: https://ift.tt/1nG2Svx.   2. Is your home protected from environmental elements? With today's ever-changing climate, extreme weather is a reality in all corners of the country. From hurricanes and blizzards to wind and wildfires, select siding and trim products that help protect your home. Consider your options carefully. Vinyl siding can melt and wood is susceptible to rot.   3. Is your new home built using sustainable products? Green building is popular these days, in part because an energy-efficient home can save a homeowner money on heating and cooling bills. By choosing a home clad in 100 percent sustainable and efficient material, you're consuming less energy and reducing your environmental footprint.   4. What maintenance will your new home require? Selecting or buying a home made with low-maintenance building materials can lower the chances of large ticket home repairs, or prevent them altogether. Wood siding and trim requires frequent repainting or replacement, and vinyl may warp, melt or fade. Considering durable and longer-lasting fiber cement siding can minimize the need for repairs.
September
8

Mornings on school days can be mayhem for families. In fact, nearly half of moms say that their children run out of time to get ready in the morning, often skipping breakfast to catch a ride to school. Beat the meltdown and ensure your child eats a well-balanced breakfast with these morning hacks. back to school 1. Stage a path to the door the night before so everyone knows where they're going.   2. Select outfits at night. Be sure to check weather in advance and plan accordingly.   3. Pack lunches ahead of time. After dinner, pack the non-chilled items in the lunchbox and leave it on the counter for quick packing of cold items in the morning.   4. Brush teeth and wash face in the morning shower, or take baths the night before.   5. Sunshine helps you wake up. Open the shades and let the light in.   6. Place jackets and backpacks in a central location to grab on the way out. Use a hanging shoe organizer with pockets to keep essentials and accessories by the door.   7. Reward with what works for your child. For example, electronics and other activities they get to do in the car.   8. Motivate and track time with a music playlist. Everything is more fun and moves more quickly with tunes, and you can track how much time has passed.   9. Care for yourself. Have a workout bag in the car and consider getting up earlier to have some personal time before the day gets going.   Source: Johnsonville Foods Published with permission from RISMedia.
September
4

Choosing a house to call a home is one of the most important decisions people make. Working with a real estate agent can make the home buying or selling process easier and more efficient. We spoke with agents affiliated with the CENTURY 21® brand to find out why you should work with an agent.     What is one reason why a buyer should work with a CENTURY 21 Agent?   -Helen Hunt, CENTURY 21 Homes and Investments: "I can have your home marketed internationally. We are the best real estate brand in the country."   -Sarah Gravelle, CENTURY 21 Real Estate Center broker in Puget Sound: "Access to resources at our ready – CENTURY 21 Real Estate can assist a client locally or around the world. Free phone apps allows the client to see what is on the market as it changes, drive neighborhoods, search and share listings and questions with their broker."   -Jerry Tuscano, CENTURY 21 Elite, New Jersey: "Forbuyers we have an easy to use, full featured mobile app that we can share with a buyer in less than a minute and can start being used right away! Complete with a mortgage calculator and area stats and pictures of area where house is located."   What is one reason why a seller should work with a CENTURY 21 Agent?   -Helen Hunt, CENTURY  21 Homes and Investments: "Professional, trained, serious about your future."   -Sarah Gravelle, CENTURY 21 Real Estate Center broker in Puget Sound: "All the unmatched tools and forms of communication to expose the seller's property to the largest market provide great value."   -Jerry Tuscano: CENTURY 21 Elite, New Jersey "For sellers we have the best Marketing platform at our fingertips that can be also be used on a mobile device. Marketing their property in an instant."   Make informed decisions faster so that you can start enjoying your new home sooner. CENTURY 21 Agents have the marketing expertise, tools, resources, and research to help you make a house a home.   Source: https://blog.century21.com/2014/08/benefits-of-working-with-a-real-estate-agent/

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