Your REALTOR:

James Ward
November 2009
Real
Customer SERVICE, professional COURTESY, drive for RESULTS!
Copyright © 2009 Realty Times
All Rights Reserved.





Vital Information For
First-Time Buyers


  The first-time homebuyer Federal tax credit for $8000, record-low interest rates, and nationwide median home prices dropping to the lowest point in five years, makes this an enticing time to consider buying a home. By the way, that tax incentive isn't truly just for first-time buyers -- it's defined as those not having owned a home in the last three years. Research and knowing your options are critical. Check with your tax accountant for more details. It’s increasingly likely that Congress will extend and expand the popular home buyer tax credit, which will expire at the end of this month.


Mortgage Rates
U.S. averages as of October 29, 2009:

30 yr. fixed:   5.03%
15 yr. fixed:   4.46%
1 yr. adj:        4.57%




View current rates





      According to an article in August in the Raleigh News & Observer, 10.8 percent of buyers are motivated to buy due to Federal and state tax incentives. So far only 1.14 million buyers have filed



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Relieving the Stress of Packing

     Packing can be stressful time for every member of the family. To ensure that your move goes as smoothly as possible, try the following tips!
      Pack a "Red Box"
      Since one in five American families moves every year, that means 22 million families may be searching for their TV remote controls!
      One of the pitfalls of packing for a move is you can't always anticipate what you'll need when you arrive at your new home, and movers typically list only the obvious such as dishes, glasses, bedding, etc. The miscellaneous items you need in the first few hours invariably wind up on the bottom of a random box.
      To start, you may want to create your own "red box" as some moving companies ("Removers") do in Great Britain. This is the last box loaded and the first one off the truck. The one universal item in the red box is the tea kettle (perhaps this would be the coffee maker in the U.S.). This is also the place




Making Your Home Age Appropriate Creates Appeal

     All of us have something in common with our homes. Sure, style, design, and location are at the top of the list, but how about age? As we age, buyers, especially the baby boomer generation, are looking to transform their homes into a place that they can stay in for as long as possible or they're hoping to find one that's already equipped for them to age-in-place.
      So how old your home and you are, are reason to give some thought to if your home needs age-appropriate adaptation in order for you to be most comfortable. And, in doing so, you may actually make your home more valuable to a wider audience of buyers, should you ever sell it.
      According to the National Homebuilders Association, making a home suitable for the golden years is economicaly sound. The baby boomer generation (77 million people) makes up 28 percent of the U.S. population. Assisted living for this generation can cost more than $60-thousand per year, not counting moving expenses.
      That's pretty pricey. So, if you've taken some steps to make your home an age-in-place sanctuary, then make sure you highlight those renovations if you ever



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James Ward's Mission Statement
     As a lifetime resident of the Monmouth/Ocean County area, I can a“shore” you that I know local real estate! I feel fortunate to absolutely love what I do for a living, which is being a full time Realtor. Meeting new people, showing houses, the priceless reward of making buyers & sellers, landlords & tenants happy makes every day not only worth it, but unique, fresh, and fun! I’m proud to represent the 4th generation of Ward’s and to honor and carry on a promise started over 80 years ago of customer SERVICE, professional COURTESY, and drive for RESULTS! Contact me today for ALL your real estate needs!
     SERVICE COURTESY RESULTS!
     -Your home in Multiple Listing Service (MLS) - digital photos - map -Newspaper advertising - Asbury Park Press - The Coast Star/The Ocean Star -Listing with photos on our website, Realtor.com, and dozens of other websites -Monthly full color publications - Homes & Land - The Real Estate Book & their websites -Color flyers & color postcards -Advertised Open Houses -Virtual Tours -Cooperative marketing with top mortgage companies! 80 Years and 4 generations of experience in local Real Estate markets. I have the knowledge and expertise to price your home right and get it SOLD fast!




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


October Round Up: Rates Stay Flat

Real Estate Investment Buying Tips

Remodelers Help Homeowners Lower Heating Costs with Weatherization Programs

Extending Homebuyer Tax Credit Best Tool for Sustaining Housing Recovery



James Ward, Broker-Sales Associate,e-Pro
E-mail: james@ward-realty.com
Web: http://www.jameswardrealty.com
Cell: 732.995.2441

Ward Realty
732-892-2700 ext 203
106 Ocean Avenue
Point Pleasant Beach, NJ 08742


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