Coldwell Banker American Homes Blog
Coldwell Banker American Homes Blog
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June
18
18
Meet Randy Saa
Randolph A. Saa is the Sales Director for Century 21 American Homes- Fine Homes & Estates Division. He commenced his real estate career nine years ago with the very same firm in Baldwin Harbor, NY & within three years had become partner & managing director of the firm's first start-up office within Queens, NY. Accompanied by an extraordinary team of individuals, the office has flourished as a family setting, all the while maintaining a position within the top 21 Century 21 offices within the northeast region. By surrounding himself with exceptional individuals throughout the industry, he has continued to grow in a number of arenas. He presently sits on the Century 21 Brokers Council as Vice President of the Queens region and accompanied by the rest of the council members, oversees the advancements of over 4,50...
June
17
17
Meet Michael Kenduck
Michael Kenduck launched his career when he was only 19 years old at a real estate law office. Michael's passion for business development & finding untapped opportunity led him into the real estate broker space 3 years later where he purchased Cruse Real Estate and started his mission to conquer default real estate.
Michael took Cruse from 1 office and 16 properties to 3 offices and a peak of over 350 properties under their management. He earned national recognition for industry leading default real estate services, is named by the National REO Brokers Association (NRBA) as NY's Master Broker, and established himself as the local expert on foreclosures and short sales.
At 29 years old, Michael proudly merged Cruse Real Estate with Century 21 American Homes creating a brand like no...
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...