Your Foreclosure and Short Sale Experts!:

Robert & Carina Martinez
November 2009
Real
NEW JERSEY FORECLOSURE AND SHORT SALE EXPERTS
CONTACT US TODAY FOR ALL YOUR NEEDS!

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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     Request for a PERSONALIZED FREE HOME BUYING/SELLING SEMINAR. You be joined by a licensed Realtor, and a Mortgage Loan Officer. Bring your friends and relatives.

Seminar will discuss the following:
  • How much loan you qualify
  • Types of homes
  • Home inspection


    CALL US AT 201-925-6504 TO SCHEDULE AN APPOINTMENT!

         

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    Facing Foreclosure? Know Your Rights!
    Home Owner Alert.

    Are you 3 months or more delinquent on your mortgage payment? Get important answers to some critical questions by calling us today.

  • What are your options and rights?
  • Should you try to catch up with your payments?
  • Do you need an attorney?
  • Can you sell your home and avoid foreclosure even with no equity?
  • How can I keep my home even if I am 6 months or more behind?

    Make an informed decision. More often than not foreclosure can be avoided. The longer you wait the less you will have. FREE No Obligation Consultation. Please do not delay, call now!

    CALL US AT 201-925-6504!

         
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    Save up to $450/year on
    Home & Auto Insurance!

    REP PIN: PPWF9
    REP Last Name: MARTINEZ




    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



  • Robert & Carina Martinez,
    Licensed Realtors/Owners

    E-mail: bobby_martinez@hotmail.com
    Web: http://www.bestnjrealty.com
    201-925-6504

    RRM Realty, Inc.
    201-501-8600
    79 N. Washington Ave.
    Bergenfield, NJ 07621


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