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Homes in New Jersey, real estate resources and information buying or selling real estate, learn how to avoid foreclosure know your options. Request a free foreclosure guide.
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Our participation with Toys for Tots enables our Company, sales associates and employees not only to give something back to the community, but to also help raise awareness of this worthwhile and reputable organization. , It is a great feeling to know that our contributions go directly toward helping others and make a difference.
Contact our office for more Information Century 21 Elite Realty, LLC. 337 Changebridge Rd Pine Brook, NJ 07058 973-244-7980 Xt 248
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For what the typical family wastes every year on air leaks—about $350—you can plug energy-robbing gaps, start saving money, and enjoy a more comfortable home. Read Beefing up inadequate insulation is one of the quickest energy-payback projects you can do, resulting in lower heating and cooling bills and increased comfort. Read Lighting eats up as much as 20% of your annual electric bill, but using energy-efficient bulbs and making other simple changes can cut lighting costs dramatically. Read Water heating accounts for up to 25% of household energy costs, but there are inexpensive things you can do to increase efficiency and reduce energy bills. Read Thanks to innovative new technology, today’s super-efficient low-flow showerheads save water, reduce your energy bills, and still feel good to use. Read
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A federal tax credit makes energy-efficient solar water heaters a more affordable and sustainable option for many homeowners. Read Upgrading to an energy-efficient heating and cooling system can save hundreds on your utility bills and up to $1,500 on your tax bill. Read Upgrading to a qualifying energy-efficient metal or asphalt roof can cut your cooling bill as well as knock off up to $1,500 from your tax bill. Read Adding insulation is one of the easier and cheaper ways to improve your home’s energy efficiency and cut your heating and cooling bills. Read If money seems to be escaping through drafty windows, doors, and skylights, this federal tax credit might make energy-efficient replacements more affordable. Read
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Review your remodeling contract carefully and adjust it to make sure it protects you in terms of payments, work schedules, and project specifications. Read You’re ready to remodel but you want to make sure you get the best contractor for the job. Here’s what to ask the candidates before you decide. Read Doing home-improvement jobs yourself can be a smart way to save money, but choose the right DIY projects or you’ll end up paying dearly. Read To calculate how much remodel you can afford, follow these four steps: Ballpark the cost, establish a spending limit, make a wish list, and set your priorities. Read Whether to move or improve is a harder question to answer than it was a few years ago, but a few cost-benefit calculations can help you make the right decision. Read
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HomeBuyer Tax Credit
We Have News To Tell…. the Home Buyer Tax Credit Has Been Extended and Expanded… From now until April 30, 2010, first-time home buyers and move-up buyers have another great reason to get on the path to purchasing a new home! The benefit to first-time homebuyers is a tax credit up to $8,000 and for move-up buyers a tax credit up to $6,500. We Have News To Tell…. the Home Buyer Tax Credit Has Been Extended and Expanded… From now until April 30, 2010, first-time home buyers and move-up buyers have another great reason to get on the path to purchasing a new home! The benefit to first-time homebuyers is a tax credit up to $8,000 and for move-up buyers a tax credit up to $6,500. Listen to CENTURY 21 Real Estate CEO’s reaction to the tax credit details: Tom Kunz, President and CEO of CENTURY 21 Real Estate LLC, comments on the legislation. To view, see the related links below. At a Glance: FIRST TIME BUYERS Credit: Equal to 10 percent of the home's purchase price, up to $8,000Who Qualifies? - Those who haven't owned property in the last three years
- Those with income up to $225,000 for couples or $125,000 for individuals (credit phases out for people who make more than these amounts)
- Must be at least 18 years of age to claim credit
- Purchase price must be $800,000 or less
Deadlines:- Have until April 30, 2010, to enter into a contract for a home purchase
- Have until June 30, 2010, to close on the purchase
CURRENT HOMEOWNERS Credit: Equal to 10 percent of the home's purchase price, up to $6,500 Who Qualifies?
- Those who have owned and lived in their principal residence for at least five consecutive years during the past eight years
- Those with income up to $225,000 for couples or $125,000 for individuals (credit phases out for people who make more than these amounts
- Must be at least 18 years of age to claim credit
- Purchase price must be $800,000 or less
Deadlines: - Have until April 30, 2010, to enter into contract for a home purchase
- Have until June 30, 2010, to close on the purchase
In addition, buyers have another year to take advantage of the higher loan limit for mortgages backed by the Federal Housing Administration, Fannie Mae or Freddie Mac set at 125 percent of local median home sales prices, up to a maximum of $729,750 in high-cost housing markets. The limit in normal markets will remain $271,050 for FHA and $417,000 for Fannie Mae and Freddie Mac. PLEASE NOTE: The tax credit does not have to be repaid provided you live in the new home for a minimum of three years. Military families are exempt from this stipulation. Purchaser must attach documentation of purchase to tax return. Please remember to advise consumers to consult with a tax professional for individual eligibility and implications of the Homebuyer Tax Credit. Realogy CEO Richard Smith had an important role in the approval of the bill – watch the video of Senator Isakson and his praises for all contributors including Mr. Smith. (CSPAN2, Nov. 4, 2009) To view see related links below. For additional details including some new benefits for FHA loans, click on the National Association of realtors links below. Source: H.R. UNEMPLOYMENT COMPENSATION EXTENSION ACT OF 2009 NJAR®CENTURY 21®
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Escaping the foreclosure monster, more home owners are running for the escape hatch of the short sale. Once you have explored all options and foreclosure is eminent the only thing that can save the day might be to short sale your home and save your dignity and credit for the future. While a foreclosure is going to affect your credit rating FICO, Experian and Beacon scores for a very long time; a short sale can save you from credit disaster. Once your credit report is tagged with a foreclosure lenders will look at your credit differently and your ability to borrow is going to dramatically diminish. How can a short sale help? Yes you have 30-day, 90-day or 120-day late payments on your mortgage possibly one year not paying your mortgage what every the case may be those late payments eventually will fade away. Discipline your self to pay your consumer debt on time, credit cards, department stores, car payment etc. and your credit scores eventually will get better. Seek for a financial advisor and go over your particular situation. visit my website and request your FREE guide today
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As economic times tighten up more and more home owners face a very challenging decision. What to do with a home that the equity is upside-down? There are various options that one can contemplate and must evaluate. Is short sale the best option? What are the motives? Have you exhausted all other options? Is it worth sinking good money in to bad? Why did you bought the home in the first place? What's next? What about your family and children? What about School systems, friends, starting over in a new social environment what if? There are probably a million questions that you can ask yourself and evaluate the pros and cons of a short sale or face foreclosure. Is it worth sticking around and wait see what happens with home values? Not an easy situation to be in, it's frustrating and very stressing for you and your love ones. My professional opinion is as follows:
1. Evaluate the pros and cons;
2. Exhaust every available option;
3. Negotiate with your bank and don't settle for the first offer they give you;
4. If you are able to get a mortgage workout make sure that you are going to be able to comply with your promise
to repay;
5. If a mortgage workout is not an option, ask your bank for a Short Sale approval;
6. Make sure seek advice from an attorney in reference to your Short Sale approval, "Real Estate Attorney";
7. Maybe a deed in lieu of foreclosure is a better option in your situation;
8. Try to avoid foreclosure by any means; if foreclosure is imminent is better to short sale and safe your credit for
the future. Deal with a Real Estate professional that understands the process and cares about your needs and is willing to help. Request your FREE Foreclosure Guide Today what homeowners need to know about foreclosure
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Buying a home for you and your family is the most important investment of your life. That’s why it is important you the buyer get as much information as possible before you take a step forward in your home buying process. As a REALTOR® I am obligated to educate and direct you the consumer for you to make the best and smarter decision during the entire process. Buying a home is not an easy process every deal brings its own intricacies. There are many things to consider before, during and after the fact. This is why your initial consultation with your Agent is very important. This is where you will want to spend sometime gather intelligence and get acquainted with the home process. A REALTOR® goes thru the process of home finding, selecting, negotiating and closing numerous times a year. I understand that working with a perfect stranger is no an easy task, but would you allow uncle Viny litigate a case for you in court if he is not an attorney? Or have Aunt Sally do your taxes if she is not an accountant? Well you get the point. You see my father though me to “measure twice and cut once” and boy was he right. I know that some agents will just email you or give you a list of homes and there you go on your way to drive by the neighborhood to find your home. And once you locate a home that you think is write for you they just want to sit and write and offer, well it takes a lot more than that I’ll say and I am sure you agree with me on this one. For me it’s very important that my buyers as well as sellers are educated and understand the process that they are going to embark. During our first consultation we will go over the following points: - The NJ Real Estate Commission has asked us REALTORS® to inform you about the different business relation ships that you can establish with your agent.
- Sellers Agent
- Buyer Agent
- Dual Agency if the opportunity arises
- Transaction Broker
- Needs and wants
- Time Frame
- Goals
- Motivation
- Schools
- Price Range
- Financing
- Strategy
- Property Search
- Negotiation
- Managing paperwork and the process
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An important first step is selecting a buyer's agent to help you find your dream home. He or she can represent the buyer's interest in a real estate transaction. Before making a decision, however, have a realtor explain the pros and cons of using a buyer's agent versus a sales or dual agent. A CENTURY 21® agent can guide you through every step of buying your next home. When you're ready to visit houses, ask your CENTURY 21 professional champion to arrange showings, and be sure to keep track of the properties you've seen. Each time you view more properties, refer to your "what's right for you" notes to immediately eliminate any that clearly do not meet your standards. And bring a digital camera to record what you see - you'll be happy to have the record afterwards. After touring each home, write down what you liked and didn't like. Develop a rating system that will help narrow the field. For example, pick the house you like best on day one and compare all other houses to it. When you find a better one, use the new favorite as the standard. Visit www.pablolopez.us and sign up for FREE market report for buyers/sellers. It's a great time to buy your dream home. If you are looking to buy in North Jersey or relocating to the area give me a call I will be happy to assist you. Check available inventory in Morris County, Passaic County, Essex County, and Sussex County. Your dream home is waiting for you. Pablo Lopez
Century 21 Elite Realty, LLC.
337 Change Bridge Rd
Pine Brook, NJ 07058
973-244-7980 X215
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