Foreclosure Trends in Nutley NJ

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      Want to Buy a Short Sale or Foreclosed Home in Nutley, Essex County?

      So do you want to buy a short sale home in New Jersey, these deals can be very complex, Short sales may take sometimes 6months to a year to get a bank approval while totally owned bank homes can be closed within a 30 day period. The difference between a distressed property sale and a regular retail sale is when buying a bank owned home or short sales the buyer is usually responsible for all town occupancy requirements and you are truly buying the home “AS IS” no repairs will be made by the bank etc. If you are truly interested in buying a Bank Owned Home or Short Sale give me a call and I can explain the whole process to you.

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        How Do I Calculate the Value of My Home?

        What is the fair market value of my home?

        These are two very common questions when people are considering selling a home. Talk to any real estate agent, and the first thing they’ll tell you about calculating home value is that location is a big factor, but not the only factor. After the big real estate crash many people are asking themselves, ôWhat is the fair market value of my home? Read More >

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          As the real estate market remains volatile, one of the best options for many new homebuyers is purchasing a short sale home. But, what does ôshort saleö mean? A short sale is when lenders have the opportunity to sell a property before the bank forecloses on the home rather than after. While buying short sales creates the opportunity for real estate investors to pay well-below-average housing prices for properties within ideal locations, there are still drawbacks. READ MORE >>

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            Find the lowest rate, when buying a home in Nutley, NJ

            Find The Lowest Rate When Buying A Home in Nutley

            So you’ve got your new home picked out and you’re ready to embark upon the long process of securing a home loan and ultimately taking ownership of your dream home. Armed with that excitement, you take to the Internet in hopes of uncovering a hidden interest rate nugget, that low rate that other people have overlooked and that you have found through persistence and effort. Well, as you embark on that trip, there are some things to keep in mind during the pursuit for the lowest interest rate possible.

            There are probably thousands of web sites offering financial data that can be pertinent to your search, so it is important to quickly cut through them all and pick one that seems to be at least somewhat reputable and has easy-to-access information. You’ll probably want to focus your search on a 30-yeark, fixed-rate mortgage to get a barometer of the interest rate climate initially.

            There are many sites out there that will go into detail on interest rate fluctuation but finding one with graphs that can show you the trend of that rate over time will provide you with a great piece of ammunition when trying to determine what the short term market might do and what kind of interest rate would, in the end, be a good one for the time frame you’re looking at.

            In addition, there are scores of financial articles written every day about the state of the real estate market and doing some reading on the current state of the market will help you greatly in your pursuit for a low interest rate. Sites like the Wall Street Journal online and other respected newspapers usually publish their full financial sections online. Google News and other outlets can additionally offer a slew of recent financial articles with a search or two.

            Each loan has its own special set of financial aspects, so comparing them can be difficult at first glance. Thankfully, there are sites out there that will do it for you and doing a search for financial loan comparisons will give you a few good results. By putting in some information about you and your financial status, you can get some loan offers back that are tailored to your situation and can be compared against each other. This is a great step to help save time that might otherwise be spent deciphering the many loan options available through a multitude of lending agencies.

            Finally, be thorough in your search. If you are truly looking to get a full picture of the loans available to you, contacting your local institutions (banks and credit unions) is a great step in the process and sometimes the added benefit of supporting local business or having a nearby branch office can make up for an interest rate shortcoming. It is up to you to assign priority to something like that.

            Interest rates are important but while you’ve set out to pursue the lowest rate possible, you might find that there are other benefits you haven’t considered that are important as well. These aspects should also make their way into your loan comparison as things like convenience, reliability and other factors differ from lender to lender. Decide what is important to you and what concessions you would make to accommodate one of those other desires.

            Finding the lowest interest rate possible is a noble goal and with the avalanche of online information at the fingertips of anyone with an Internet connection, finding that rate is easier now that in the past. However, as you go through your search, keep in mind that a mortgage is more than just an interest rate and remain open to other benefits that might offset a bit of a higher rate.

            This is another original article by Joe Lane, co-owner of The Lane Real Estate Team at http://www.joelane.com/. Are you looking for an experienced Tri City WA Real Estate agency? With 20 years of service based, business experience, Joe and Colleen Lane work hard to serve home buyers and sellers for the Tri Cities of Washington’s Kennewick, Richland, Pasco, and surrounding areas.

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              As with anything else in life, becoming proactive in your pursuit of a particular goal will ultimately pay off. Everyone has heard the stories of men and women that took the reigns of their career and were able to rise through the ranks of their profession to a position of power. We’ve also all have the friend who hates his or her job, complains constantly, but does nothing to change the situation. Don’t be that person.

              Getting proactive in your attempt to sell your home is perhaps the most rewarding, effective step you can take. While many sellers are more than happy to let their real estate agent take over and supply periodic updates on the situation, more and more, sellers are getting actively involved in the process to push a home sale along better than a real estate agent alone.

              Know Your Home’s Weaknesses
              Too many sellers these days are relying on the home inspection as part of the real estate process to tell them what needs to be fixed with a property and what the buyer might take an issue with. Don’t wait for an inspector to go through your home and point out problems after you’ve already accepted an offer. You run the risk of being surprised and having to negotiate a potential problem with an unhappy prospective buyer.

              Instead, take it upon yourself to fix what needs to be fixed and perhaps commission your own appraisal. Getting your furnace or roof certified can speak volumes to a buyer that will appreciate not having to wait for an inspection to be sure that they are buying a quality home. If your personal inspection does turn something up, fix it and trumpet your new furnace or roof in your marketing materials for the home.

              You can even go so far as to get an estimate for a repair that might be necessary and supply it as part of the materials you give to an interested buyer. Often times, that buyer will appreciate the fact that you have disclosed the true condition of the property and are willing to solve the problem over the course of a real estate negotiation. Getting this kind of information out in the open will only foster a stronger relationship between buyer and seller.

              Follow Up With Interested Buyers
              Your teacher may have told you that the best information you can get from a test you’ve taken is an understanding of the questions you got wrong. The same is true for showing a home, an exercise in dressing up your home in an attempt to give an interested buyer the best possible view of your real estate. Not every showing leads to a contract offer, obviously, and understanding what each one did not might help you better market your property.

              It can be very easy to chalk up a fruitless showing to a less-than-committed buyer, but going the extra mile and getting information on why the home wasn’t up to snuff will help you later. You can contact the real estate agent of the interested buyer directly to get your reason. Don’t be pushy and certainly don’t be rude. Simply state that you’d like to know if there are steps you can take to make the home more inviting to the next interested buyer that takes a showing.

              These steps can easily be taken in conjunction with a real estate agent that will likely appreciate the role you want to take in the selling process. Selling your home is often a team effort between you and your realtor, so bring a proactive nature to that team can help sell your home faster. Be that proactive person instead of the sit-back-and-take-it seller that is so common.

              This is another original article by Joe Lane, co-owner of The Lane Real Estate Team at http://www.joelane.com/. Are you looking for an experienced Tri City WA Real Estate agency? With 20 years of service based, business experience, Joe and Colleen Lane work hard to serve home buyers and sellers for the Tri Cities of Washington’s Kennewick, Richland, Pasco, and surrounding areas.

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                Cambridge Heights Town Homes For Sale in Nutley NJ

                Cambridge Heights Town Homes For Sale in Nutley NJ

                Looking to Town Home in Cambridge Heights in Nutley NJ, I have a huge selection of available town homes from$290k and Up, Contact matthew.defede@cbmoves.com for your FREE list of Cambridge Heights Town Homes For Sale.

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                    Home Staging: 50 Tips – Get Started on Your Home Staging Journey

                    “Home staging” was coined by Barb Schwarz back in the early ’70s, and the concept has become well known as “house fluffing,” “dressing to sell,” and “home presentation” to name a few, but the concept has not taken hold among home owners when selling a home because many people do not understand the idea or cannot create a workable plan for staging their home correctly.

                    The focus of staging is to make a home more marketable by creating the most appealing home to the greatest number of prospective buyers. It should be impersonal enough not to infringe on a buyer’s own sense of style.

                    Decorating is optional. Staging, on the other hand, is essential – that is if you want to sell your house for the most possible money in the shortest amount of time. Staging – it is the difference between ordinary and extraordinary.

                    Since home staging is truly an essential part of selling your home, I wanted to share these 50 Tips To Get You Started on Your Home Staging Journey.

                    1. Be sure that your home is staged before you or your realtor takes the photos for the web. Over 70% of all new apartment/home searches are started on the Internet. It is imperative that the property looks good in the photos so that it can attract as many people as possible to see the real thing.

                    2. You should not have one person look at your house until it has been staged completely. It should not go through the broker walkthrough, MLS, open houses, or anything. Stage first!

                    3. Kate Hart of Hart & Associates Staging and Design LLC knows that home staging works for all properties regardless of the price point because home staging is about preparing your home for a faster and more profitable sale and marketing your property to the most potential buyers for its target audience. “I have staged homes ranging from $100,000 to $10 million and have had the same result- the homes sell faster and for top dollar compared with the competitors within their price range.”

                    4. If you have dark cabinets, a light colored handle or something in shiny gold will enhance them. If you have light cabinets, you can give them the sleek look by using handles of the same color so that they are hardly noticeable or by using brushed silver handles. With light wood, you can also use darker handles, gold, bronze, or even colors.

                    5. Sometimes renovations are needed. However, here are five that you should avoid:

                    – Adding high end appliances to a modest home
                    – Adding hand painted tiles to the bath or kitchen
                    – Adding a central vacuum
                    – Adding air conditioning (unless you are in an area that all homes have it)
                    – Replacing windows with newer models

                    6. Be sure to check with your city or county building inspector before beginning a new project. Many departments require permits, even for things as simple as changing a dishwasher.

                    7. Everything in its place is a good motto to remember. Always find appropriate places to store your items. Litter boxes in the kitchen and trashcans in the pantry are just two examples of inappropriate placement.

                    8. Julie Dana of The Home Stylist has the following tip: Do not have any cleaning products visible. You want the buyer to think that the house cleans itself. You do not want to remind buyers that there will be work to do in this house, so put away laundry baskets and dish drainers as well!

                    9. Lisa Wonsey of Space/Lift explains that selling an empty home can be a huge mistake. Buying or renting furniture is especially vital in an empty home. Empty homes do not show well and can sit on the market for months until a buyer with a good visual imagination comes along, or until the seller drops the price so low that the home is a steal.

                    10. Your refrigerator will need to be cleaned, even if you are not leaving it. People will still look inside and a dirty refrigerator will turn them off. If you are taking it with you, you may as well clean it now. If you are leaving it, then it is imperative to have it sparkling.

                    11. Ruthanne Hatfield of Art of Interior Placement emphasizes that taking away items is needed, but adding back is essential, too: Each room should be embellished with accessories artwork, mirrors, accent tables, silk trees and florals, as well as dishes, bedding, and towels so all areas look inviting.

                    12. Check for unusual odors in your house. It may come from a pet or even from your upholstery.

                    13. Cleaning is rarely fun for anyone, but it does not have to be a terrible chore. Play some fun, lively music. Before you know it, your adrenaline will start pumping and you will be dancing your way through the house.

                    14. To clean those irritating stains in the bathtub, make a paste by using hydrogen peroxide and cream of tartar. Use an old toothbrush to rub the mixture into the stain and rinse thoroughly.

                    15. To clean the microwave, fill a paper cup with water and a few tablespoons of baking soda. Nuke it for about 30 seconds, or until you see the contents explode. Then just take a paper towel and wipe it all off. The explosion spreads the cleanser over the entire area, and you can even use the moistened rag or paper towel to wipe outside the microwave and its surrounding area.

                    16. Mary Larsen of Larsen-Trochlil Designs offers the following professional tip: Do not offer money towards painting or installing new carpeting. Remember, if you are not willing to do it, your buyer is not likely to either.

                    17. Take a look around you. Do you have items in your home that are unused and have no real sentimental value? If so, get rid of them! These types of items can often be found in closets, cupboards, basements, and garages. Sometimes they are on bookshelves or even in your everyday living space. The more you are able to move out the more the next buyer will want to “move in.”

                    18. If you do not have a plan for what to do with the stuff you no longer need, it will get put in the basement or the attic or the garage or simply stay in a pile in the room where it began. If this happens, then you really did not get rid of clutter – you just moved it to another location. When you are clearing the clutter for home staging purposes, you will have many different piles. Some things may go to a thrift store such as the Salvation Army, some things may go to the dump, some things may go into storage, and some things may be set aside for a garage or yard sale. Knowing what you are going to do with the extra clutter is essential to really decluttering your home.

                    19. Sylvia Beez of m.a.p. interiors inc. reminds us that: A home for sale should always be presented in its best light and immaculate condition, which is not the reality of everyday life. Potential buyers do not want to see how you live, with your children, cats and dogs, and mess. They want to see themselves in a perfect house under perfect conditions and that is how a home on the market should always be presented.

                    20. If your kitchen cabinets, pantries, and drawers – even your refrigerator – look jammed packed, it sends a negative message to the buyer. This message is that there is not enough room in your kitchen. If they were looking for plentiful storage space, after opening your crowded cupboards, they will believe that they will not find it in your kitchen. The best way to change this negative first impression is to have as much “empty space” as possible.

                    21. Marlene Feldman of Marlene Feldman Associates has the following suggestion for small dining rooms: If the dining room has an oversized china cabinet, consider removing it. Or, if has a top and bottom, remove the top. This will open up the space considerably

                    22. Take a look at your bathroom. If you are like most people, you will find half-used shampoo bottles, a jumble of hair accessories, a curling iron, foam curlers, several cans of shaving cream, tub toys, lotions, medication, books and magazines, oils, candles, toilet paper, and on and on and on. The amount of stuff we store in our bathrooms is far greater than the storage capacity for these small rooms, especially, if like many bathrooms, you have just a medicine cabinet and a very small vanity. The “stuff” that is not in use needs to be boxed up and moved out.

                    23. Katie Joanow of Star Staging explains that: You should remove extra chairs from the tables. Unless you have a massive space, you will not need more than 4 chairs around a table. Also remove extra leaves from the table. This will make the room feel larger.

                    24. Buyers want to see your carpet or your hardwood floor or your linoleum. Most home stagers suggest removing all area rugs, unless you have a large area of hardwood, where one rug is acceptable. Area rugs make spaces seem more crowded. Without them, your floor plan opens up.

                    25. Closets are great for accumulating clutter, though you may not think of it as clutter. Perhaps the clutter is wrapping paper, or Christmas items, or an old sewing machine. Maybe you have some keepsakes, or photo albums. Then of course there are the extra clothes and shoes. None of these things are likely to be in the throw away pile, but they should not be in your closet if you want to reduce the look of clutter.

                    26. Gail Greer of All Rooms Great and Small gives this tip about painting your home: You need to be willing to change paint colors. There are certain universally accepted colors and these should be used when repainting your home. Yellow or shades of gold are warm and inviting. You should also accent with yellow. Your eye absorbs more yellow and therefore sees it first. Green or blue in the bedrooms are great colors because they are restful.

                    27. Stand a few feet away from the entrance to the bedroom. What do you see? Whatever you see is the first thing that a buyer will see. Is it pretty? Is it bulky? Does it make the room feel small? Move anything from the doorway that is not inviting.

                    28. A spare room should be viewed as a bonus. It is a “plus” feature of your home, but only if the buyers can view it as such. For example, if your spare room is used mostly as an office, then, during the selling process,you need to make it just that – an office! Get rid of the spare bed and the extra dressers full of last season’s clothes. Get rid of the boxes of storage items in the closet. Keep the essentials of your office such as a desk, filing cabinet, bookshelf, and a nice chair in the corner with a small table and lamp.

                    29. Holly Weatherwax of Momentum Realty explains that whenever possible, she recommends leaving the garage free from storage. If people see that the seller does not have enough storage and has to use the garage, they will begin to wonder if the same thing will happen if they buy the house. People like to think that they might actually be able to use a garage!

                    30. Find out what organizations in your area pick up items. Such organizations often include Goodwill, The Salvation Army, veteran’s associations, and other local organizations. Another good way to get rid of items you no longer need is to use Freecycle. Here, you can list items you no longer need and then choose someone from a list of takers to have them. The best part is the person wanting the items comes to your home on your timetable to get them. You can find a freecycle group in your area by going to www.freecycle.org.

                    31. Get everything off the counters. Everything. Remove all appliances from the countertops. Even the toaster. Doing so will make you kitchen look larger and more spacious. It will also keep the buyer’s eye from stopping on a particular item rather than getting a full view of the room. Put the toaster in a cabinet and take it out when you use it. Find a place where you can store everything in cabinets and drawers.

                    32. Charlie Ann Taylor of C.A.T.’S ROOMER has a lot to say about these focal points in your home: The kitchen and baths need to be model perfect because the kitchen and baths sell the home.

                    33. Have you taken away so much that your home no longer has any sparkle? Although YOUR personality needs to be removed, the personality of the house still needs to come through.

                    34. One of the most important factors to consider when placing items into a room is the idea of transition. As your eye moves around the room, you do not want it jumping from place to place or piece to piece. The movement of the eye should flow – not bounce. To accomplish this, you want to avoid abrupt changes in height.

                    35. Gail Jackson of Weichert Realtors explains that home staging does not need to be expensive: Paint is very inexpensive and gives you a big bang for your buck. Although a bit labor-intensive, painting is not expensive and gives your home a new, fresh, clean look.

                    36. Give each room a touch of the unexpected. This can be done with artwork placed in an unusual way, using a piece of furniture in a way that you normally would not use it, or adding a dash of color where the eye least expects to find it. Be creative.

                    37. Follow the “like-with-like” rule of the thumb. Tall with tall, small with small, wide with wide, and narrow with narrow will guide you throughout the decorating process. Mimic the shape of each space you are decorating. For example, a sofa should be accessorized with horizontal art so you are complementing wide with wide.

                    38. Marcia Smart’s (Smart Interior Styling) tip is to: Recognize that your major competition comes from newer homes. People will take a newer home over an older home if all else is equal. That is why it is essential to give an older home something that puts it above the rest.

                    39. My favorite decorating tip is to look outside the box. You do not always need to use an item for its intended purpose. For example, do not just use a tablecloth for a table; make it a slipcover for your ottoman. It can save you lots of money and time when you purchase a tablecloth at a local chain verses buying yards of fabric and by purchasing the correct size it can become a no-sew project. Always keep your eyes open for new uses for everyday items.

                    40. Select a focal point for your room and subtly orient other furnishings and some lighting toward it. If there is a fireplace, it will nearly always be the focal point; other focal points might be bookcases or built-in shelving to house lovely collectibles, or a sofa with a striking painting on the wall above it.

                    41. Donna Reynolds of Home Rearrangements explains that there are two times that you can angle furniture: In a square room and if a room already has an angle in it, like a corner fireplace or a bay window.

                    42. In a bedroom, unless you have no other choice, you want to see the foot of the bed when you walk in. You do not want a bed to cross the doorway because it blocks the flow and makes the room look smaller. It is better to see the foot so that you can see the pretty pillows.

                    43. One of the easiest ways to create color is to add beautiful accent pillows to any room. Introducing a complementary accent color in a room can make a room “pop” and come alive. Accent pillows not only add color but texture and warmth as well. By adding throw pillows in a coordinating or contrast fabric to a couch chair, bench, or bed, you can transform your room and add instant warmth inexpensively!

                    44. One way to see if your home has curb appeal is to walk across the street and have a good look at your house. where did your eyes go? They should be drawn to the front door and entryway. If they are not, then you need to do something about it.

                    45. Kimberly Cash of ASPM Tidewater Home Staging Consultants, Inc. offers the following advice: People do not see their house as a product that you have to market and sell. However, selling your home is like packaging. People look at the outside before deciding to come in. Then they look at the inside before deciding to buy, and it is mostly based on looks. It is packaging. You need to wrap up your product, your home, like a beautiful package.

                    46. Once you have gotten the front yard in shape, it is time to work on the backyard. The most important areas of the backyard are the patios, decks, and porches. Getting these areas up to date will give the buyers a feeling that they are getting bonus space.

                    47. New window treatments can make a world of difference. They can add value and style to your home and be something the buyers view as a bonus – something they will not have to buy or replace when they move in. The caution, however, is that you keep the treatments neutral (keep your personality out of the room) and that you make sure they do not block the amount of light that comes into a room.

                    48. Debra Blackmon of Blackmon Design offers the following suggestion for your windows: Many homes have the louvers of the blinds turned down to face the floor. A more enhancing way to use blinds is to turn the louvers up to reflect much-needed ambient light onto the ceiling.

                    49. Sometimes, refreshing a room can be as easy as changing a light bulb. Bulbs like GE Reveal filter out yellow rays common in ordinary light bulbs, making colors, fabric, walls, and artwork appear richer, crisper, and more vivid.

                    50. Add pampering accessories! Things like bath bubbles, fluffy towels, and candles not only add the pampering feeling you are trying to achieve, they offer visual comfort with color and texture as well. Psychologically, we all crave that long soak with a good book, and even if we are only in the bathroom for 10 minutes to whip on some make up, just seeing those items displayed promises wonderful baths to come!

                    As you know, your home becomes a house – a product for sale. Staging your property gives you a more competitive edge in today’s market by transforming it into a marketable product. A staged property helps you sell your investment for top dollar and is the first line of defense over lowering the price. Do not settle for less at the closing table simply because you did not understand the value of staging or did not want to take the time or spend the money to do it properly.

                    In this world of busy buyers, a property has to be staged to appeal to the their imagination. They want to be able to look at your home and know that they can live there. They want to know that their furniture will fit. They want to know that everything is in “move in” condition. That is why staging is so important. It allows buyers to imagine themselves living in your home with their stuff, not yours.

                    Presentation is everything and staging is presentation! The result is improved functionality and complementary space. Following the techniques in this book will maximize your equity while reducing the market time for your home.

                    Author Bio
                    Teri B Clark is a professional writer and published author. Her most recent book, 301 Simple Things You Can Do To Sell Your Home NOW and For More Money Than You Thought, explains these tips in more detail and offers many, many others. To learn more about Teri’s latest book, visit http://staging-your-home.blogspot.com

                    Article Source: http://www.ArticleGeek.com – Free Website Content

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