Big Price Reduction! Warm and Welcoming! Designed to Entertain!
"Make This Home Sweet Home Yours !!!"
Click Here For Our Featured Home
August 2007
" Homes Are Where Our Hearts Are "
Copyright © 2007 Realty TimesAll Rights Reserved.
Staging Takes Center Stage
You don't have to be a star to be in Beth Ann Shepherd's show. Sheperd is one of those "to the stars" service providers, in this case, setting the stage to position a home for sale or staging. It's a smart marketing move when it's time to move a home in just about any kind of market. Staging is to the interior of a home what curb appeal is to the exterior -- nipping and tucking, furnishing and accessorizing, buffing and polishing until the place looks like a model home, without being clinical. But it can also include curb appeal. With just the right special effects, the effort can transform a home into a house of dreams and help potential buyers visualize potential. Done wrong and a home can become more like the set of a horror movie, a real
CONTINUED >>>
Mortgage Rates U.S. averages as of July 26, 2007:
30 yr. fixed: 6.69%
15 yr. fixed: 6.37%
1 yr. adj: 5.69%
30 yr. jumbo: 6.98%-->
View current rates
Wondering What Your Home Is Worth?
Let me show you. Give us a call at 201-218-6802
Seven Steps To ACredit Score Makeover
You can mitigate the effect of tighter mortgage underwriting standards by improving your credit report profile and, as a result, your credit score. Just don't expect that your knee-jerk reaction to tighter money will generate overnight success. Chances are, you didn't get all those credit report blemishes during a single credit buying binge. And, if you are like many consumers, you don't even know what you are up against. BankRate.com recently found that 32 percent of Americans surveyed never check their credit reports and have no idea what shape it's in. It's time to find out and do something about it. Local lenders say the incidence of credit report knowledge is even higher when borrowers sit down to apply for home loans. "Less than 10 percent have seen their report and among those who have, most of the reports are old, many are only from one bureau and so they don't have a complete picture," said Joel Spolin, president of Absolute Mortgage in Palo Alto, CA.
CONTINUED >>>
Coping with HigherSummer Energy Costs
Air conditioning is costing consumers more this summer. The Energy Information Administration, the statistical division of the U.S. Department of Energy, predicts that the price of electricity will climb about 2.6 percent during 2007. Demand for electric power will grow about 1.5 percent during the year, which the EIA says is normal. This means that if the typical consumer paid $150 for electricity to run central air conditioning in a 2,000 square-foot house in each of the summer months in 2006, for example, that bill will be $153.90 for June, July and August this year. That might not seem like a lot of money, but multiply that by the increase by the number of households in the United States and that means hundreds of millions of dollars. These costs fall on low and moderate income homeowners the most. Diane-Louise Wormley, who oversees a program to improve Philadelphia neighborhoods, said that a key to making homeownership affordable for younger buyers is to make these older houses energy efficient so that "everything won't be going to the gas company." Much of the housing stock in Philadelphia, Baltimore and other cities was built before 1950, when energy costs were low and insulation was not part of
CONTINUED >>>
Read About Us We are Full Time Realtors and "LIFETIME" Bergen County residents. Teamed up for Superior Service and always ready to serve your Real Estate needs with Technology suited to sell your home the fastest. We're up to date on local listings and ready to find our Buyers the perfect home to call their own. We are your high tech Realtor Team - Wired for "Your Success" with the latest in technology combined with our knowledge of our hometown County! To find the latest listings and information about the Bergen County area, check out our website at http://www.hammersteam.com/. Send us an e-mail or order any of our free reports.
We look forward to serving your Real Estate needs!
For superior service call us direct at (201)218-6802.
NEW! Local Market Conditions
Daily News and Advice -->Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
More Articles
July Round Up: Rates Tick Down
Over-Cooked Hype HikesKitchen Costs
Short Sales Not Just About Cancelling Mortgage
Hot Decorating Tips: Go From Drab to Fab With These Ideas
LISA & ROBERT HAMMERSTEIN
E-mail: Hammersteam@Number1expert.com
Web: http://www.hammersteam.com/
201-218-6802
201-315-8618
Coldwell Banker Residential Brokerage
201-930-8820 ext.199
50 Broadway
Hillsdale, NJ 07642
Equal Housing Opportunity
"Make This Home Sweet Home Yours !!!"
Click Here For Our Featured Home
August 2007
" Homes Are Where Our Hearts Are "
Copyright © 2007 Realty TimesAll Rights Reserved.
Staging Takes Center Stage
You don't have to be a star to be in Beth Ann Shepherd's show. Sheperd is one of those "to the stars" service providers, in this case, setting the stage to position a home for sale or staging. It's a smart marketing move when it's time to move a home in just about any kind of market. Staging is to the interior of a home what curb appeal is to the exterior -- nipping and tucking, furnishing and accessorizing, buffing and polishing until the place looks like a model home, without being clinical. But it can also include curb appeal. With just the right special effects, the effort can transform a home into a house of dreams and help potential buyers visualize potential. Done wrong and a home can become more like the set of a horror movie, a real
CONTINUED >>>
Mortgage Rates U.S. averages as of July 26, 2007:
30 yr. fixed: 6.69%
15 yr. fixed: 6.37%
1 yr. adj: 5.69%
30 yr. jumbo: 6.98%-->
View current rates
Wondering What Your Home Is Worth?
Let me show you. Give us a call at 201-218-6802
Seven Steps To ACredit Score Makeover
You can mitigate the effect of tighter mortgage underwriting standards by improving your credit report profile and, as a result, your credit score. Just don't expect that your knee-jerk reaction to tighter money will generate overnight success. Chances are, you didn't get all those credit report blemishes during a single credit buying binge. And, if you are like many consumers, you don't even know what you are up against. BankRate.com recently found that 32 percent of Americans surveyed never check their credit reports and have no idea what shape it's in. It's time to find out and do something about it. Local lenders say the incidence of credit report knowledge is even higher when borrowers sit down to apply for home loans. "Less than 10 percent have seen their report and among those who have, most of the reports are old, many are only from one bureau and so they don't have a complete picture," said Joel Spolin, president of Absolute Mortgage in Palo Alto, CA.
CONTINUED >>>
Coping with HigherSummer Energy Costs
Air conditioning is costing consumers more this summer. The Energy Information Administration, the statistical division of the U.S. Department of Energy, predicts that the price of electricity will climb about 2.6 percent during 2007. Demand for electric power will grow about 1.5 percent during the year, which the EIA says is normal. This means that if the typical consumer paid $150 for electricity to run central air conditioning in a 2,000 square-foot house in each of the summer months in 2006, for example, that bill will be $153.90 for June, July and August this year. That might not seem like a lot of money, but multiply that by the increase by the number of households in the United States and that means hundreds of millions of dollars. These costs fall on low and moderate income homeowners the most. Diane-Louise Wormley, who oversees a program to improve Philadelphia neighborhoods, said that a key to making homeownership affordable for younger buyers is to make these older houses energy efficient so that "everything won't be going to the gas company." Much of the housing stock in Philadelphia, Baltimore and other cities was built before 1950, when energy costs were low and insulation was not part of
CONTINUED >>>
Read About Us We are Full Time Realtors and "LIFETIME" Bergen County residents. Teamed up for Superior Service and always ready to serve your Real Estate needs with Technology suited to sell your home the fastest. We're up to date on local listings and ready to find our Buyers the perfect home to call their own. We are your high tech Realtor Team - Wired for "Your Success" with the latest in technology combined with our knowledge of our hometown County! To find the latest listings and information about the Bergen County area, check out our website at http://www.hammersteam.com/. Send us an e-mail or order any of our free reports.
We look forward to serving your Real Estate needs!
For superior service call us direct at (201)218-6802.
NEW! Local Market Conditions
Daily News and Advice -->Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.
More Articles
July Round Up: Rates Tick Down
Over-Cooked Hype HikesKitchen Costs
Short Sales Not Just About Cancelling Mortgage
Hot Decorating Tips: Go From Drab to Fab With These Ideas
LISA & ROBERT HAMMERSTEIN
E-mail: Hammersteam@Number1expert.com
Web: http://www.hammersteam.com/
201-218-6802
201-315-8618
Coldwell Banker Residential Brokerage
201-930-8820 ext.199
50 Broadway
Hillsdale, NJ 07642
Equal Housing Opportunity
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