Nutley MLS Listing Means a Network Working for You

If you are selling a home in Nutley  this year, even in the improving market you certainly know there is a great deal more to it than sticking a sign in your front yard. It will be a competition between like-minded homeowners — some with very competitive properties to offer. This is where the help of a trained professional and the network that is the Multiple Listing Service (MLS) can make all the difference.
You’ve probably worked with it before: the MLS is a central online database hub where licensed real estate agents representing available homes list and promote them. It’s a central marketplace in the same way that the New York Stock Exchange is (only without a NASDAQ to
compete for customers). The National Association of Realtors® found that the great majority of all properties sold last year were listed through an MLS. From a seller’s perspective, there are ample reasons why this is so.
Listing a property through the MLS means that you are doing better than assigning just your agent to do your marketing for you. Instead, you are enlisting all Nutley agents to sell your property to their clients.
When you think about it, that means a lot of agent fees saved! By hiring just one agent, you gain access to the network of hundreds (potentially, thousands) of qualified professionals working for a portion of the same fee you already agreed to. Apart from this expanded workforce, you gain an almost unimaginably wider reach to consumers. Many prospects view our town’s MLS listings directly through their agent, but many in other areas see them via the many websites to which our Nutley MLS syndicates its listings. Exposing your listing to millions of potential buyers means accessing a much larger purchasing pool.
To have your property appear in the local MLS, you need only enlist an agent or pay a licensed service to do it for you. If you are considering listing your home, contact me to discuss how the MLS plus my other marketing tools can make your home sale one of this summer’s success stories!

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      Why Some FSBOs in Nutley Fizzle!

      In the business publishing world, one of the most reliable bestseller categories is Marketing and Sales: How to Sell This, or Tips for Selling That. Selling may be a complicated business, but one approach always sets you ahead of the pack: putting yourself in the shoes of the customer.

      Selling a Nutley home is a case in point. When it comes to searching for a new home, today’s prospects find two types of homes for sale — ones offered by a Nutley real estate agent, and those For Sale by Owner (FSBO). When you look at the rate of sales between the two, it has long been the case that most often the FSBOs do poorly compared with those sold by agents.

      So why, exactly, do so many FSBOs fail to live up to expectations?

      Putting yourself in the shoes of the customer sheds light on at least one good reason. Real estate professionals make their living by closing sales, and that means knowing how to handle the technical details: the paperwork. Customers (the home buyers) can usually tell right away if a property is being marketed by someone who is a real estate amateur. With an investment as large as a home at stake, no one welcomes a gamble that any part of the documentation may later prove flawed in some detail. There is also the fact that Realtors® sometimes steer their own home-buying clients away from area For Sale by Owner properties — especially after seeing too many instances of sellers not educated enough about required disclosures, inclusions, etc.

      The For Sale by Owner route also sometimes hits a pricing snag. Owners often set a price on their home that they feel they deserve — rather than a realistic price supported by current market research. An average of 12% FSBOs get the pricing right…barely more than 1 in 10.

      If you are currently trying a Nutley For Sale by Owner gambit that’s not getting results, I am always happy to offer a complimentary consultation. It’s a second opinion that will open up new options (and maybe save you a lot!)

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        5 Tips to Keep Your Home Secure When You Are Away


        1) Do Not Announce On Your Facebook or Blog That You Are Not Going To Be Home

        I know that family fun photos are great and we all do it, posting photos of where we are at that moment and time we are away be it may be best to take your photos and upload them when you get back home. Burglars could be people that are stalking your profile on Facebook and waiting for you to go away so they can easily break in your home.


        2) Keep Your Tools & Lawn Maintenance Equipment Locked Away in A Shed

        A shovel are a rake could be a great tool to break a window or force a door jam also, a ladder is easy access for a thief to attain 2nd floor access windows very easily, so lock everything away.


        3) Keep a light on or keep outdoor sensor lights on when you are away

        Thieves do not like to work in the light so motion sensor lights are the best as well as putting a light in a timer in the home


        4) Invite a neighbor to park their car in your driveway when your away

        Cars in driveways make thieves think that someone is in the home, if you have a second car leave it at home and park it in the driveway not the garage, or ask a neighbor to park in your driveway when you are away.


        5) Have the post office hold all your mail & stop newspaper delivery

        A sure sign of someone being away is an overstuffed mail box and newspapers sitting on the front step, stop delivery for a week or for however long your away.


        I hope you found these tips useful and for more tips go to

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          Conceptions & Misconceptions About Credit Scoring

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          Whether Nutley residents are looking for a home equity line of credit, a refi, or a new mortgage, when it comes to getting a loan, everyone knows that it’s the credit score that ultimately determines the outcome. Yet when it comes to a working knowledge of what major factors affect your score, a new survey shows that many of us are less certain than we should be.

          The Consumer Federation of America is a nonprofit outfit that from time to time releases reports designed to improve that situation. Their latest is a sort of report card on how much average adults understand about credit scoring —  the key factor in getting a loan of any kind.

          On the plus side of the report card, CFA says that people who have obtained one or more of their own credit scores within the past year from one of the 3 credit bureaus are significantly better-informed than those who have not. No surprise there. Those people tend to know that there are three large credit bureaus (although how anyone who watches TV doesn’t already know that is a mystery to me).

          On the minus side, more men than women misunderstand how age and marital status affect their credit scores (those factors have no effect). Men, on the other hand, “are more skeptical than women  about the value of credit repair agencies.” CFA doesn’t go into why that is, but I’d like to think that it’s because they understand that a more straightforward way to repair your credit is to pay all bills on time.

          Sandwiched in among the charts and graphs are various bits of good advice for any local resident getting a loan. A few bear repeating:

            1. Avoid maxing out credit cards; try not to even get close
            2. Pay down debt instead of just moving it from account to account
            3. Keep track of your credit from time to time, even if you’re not planning on getting a loan right away

          If you are planning to become a Nutley buyer or seller in the near future, I’m here to help you make the most it. Call me anytime.

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          The Best Real Estate Agent in Nutley Helps First Time Buyers Find a Home

          The Best Real Estate Agent in Nutley Helps First Time Buyers Find a Home,

          Nutley House

          Each day, any number of tenants see the perfect Nutley house for sale, yet fail to go ahead and investigate further. Making the move from tenant to homeowner is, after all, one of life’s major decisions — so no matter how perfect such a find might be, making the leap can seem daunting.

          According to the Rental Protection Agency, by last week there were more than 107,000,000 renters in the US — a number that increases by 2,600 a day. In other words, if you are a little unsure about snapping up even the most perfect Nutley house for sale, you are hardly alone. Still, there is that nagging suspicion that homeownership brings substantial financial advantages to some people…

          Fortunately, there are concrete indicators that when a Nutley house for sale looks like a good fit for your family, it will be a good fit for your financial future, too. As a rule, if you qualify for a mortgage, you stand to benefit from homeownership, too.

          One of the main reasons people don’t take advantage of an otherwise ideal house for sale has to do with their credit history. Qualifying takes a credit rating that pencils out to merit a mortgage with beneficial terms.

          If you have savings that are substantial enough to serve as a down payment (generally somewhere between the FHA’s 3.5% to as much as 20%), you have an important leg up.

          Importantly, in the big picture, you need to gauge your overall financial stability. No one can see 100% into the future, but even if a Nutley house for sale is a great value and ideal for you, unless in your income has been steady for at least two years, you probably should wait (and most lenders would agree).

          With good credit, savings for a down payment, and a steady income, you are likely to belong to the group which sees substantial long term benefits from homeownership. If you find a Nutley house for sale that seems well suited to your needs, here’s an undaunting first step: call me today to help get you pre-qualified!


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              Three Questions to Ask New Neighbors When Relocating

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              Homes For Sale in Nutley

              With more than 43 million people relocating throughout the U.S. every year, you don’t have to wait until you are surrounded by stacks of cartons to realize how important it is to make your next move the right one. If you’re buying a house in Nutley in the foreseeable future, it’s a particularly valuable idea to take the time to chat with some of your potential new neighbors. And while you’re at it, why not bring up a few relevant questions:

              Which schools are best? 

              School quality affects more than just property values. Especially if you have your own kids, buying a house in town is least disruptive when their new school is the best one available. You’ll make the soundest choice by comparing more than one parent’s opinion.

              Is there a neighborhood watch?

              You will have already aimed for the safest area possible. Now, getting involved with an active neighborhood watch can further ensure your family’s safety. When buying a house, the presence of a neighborhood watch is a good indicator of some solid community spirit…and if there isn’t one, make sure the reason is that everyone already feels secure in the area.

              What events are available in town?

              Buying a house means buying a home base for all your family’s activities. By asking your neighbors which Nutley events and activities they enjoy the most, you’ll get a glimpse of the scope and depth of the cultural life that’s going to surround you. As a side benefit, just inquiring shows you as someone who is sociable — and that you’ll be a good new neighbor to have!

              The simple act of reaching out in this way lets you familiarize yourself with a new neighborhood faster, and ultimately leads to a better-informed long term real estate decision. Especially if the area is new to you and your family, buying a house in Nutley is actually a one-time opportunity to make a host of new friends. I have tons of information available for future residents. If you’re even considering buying a house in Nutley, don’t hesitate to call me today!

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                Nutley Real Estate Market Balancing Act: Rates vs. Rises Mortgage Rates Could Offset Nutley Housing Price Rises

                When the Wall Street Journal or Forbes run mortgage rate stories as their lead items, those of us who keep an eye on the Nutley  real estate market pay close attention. I frequently share what they say here. But when even the non-financial outlets like USA TODAY and the cable TV news channels give top billing to real estate market news, it’s a real attention-grabber.

                That’s what happened last week. USA TODAY’s online headline focused on the 15-year fixed mortgage rate, “at a record low 2.61%.” The cable news channels talked about record low rates, too (although if you hit the ‘pause’ button long enough to read the TV graphics, you saw that the national average for 30-year loans was still a shade away from the actual record low).

                Never mind that; it’s still surprising that mortgage rates continue to linger at such tempting lows.

                The reason is hardly a secret: the Federal Reserve is holding rates down to energize the real estate market — a key element of the overall economy. Yet, with existing home sales notching up in the first quarter at the briskest pace in four years, you would have thought that mortgage rates would have been loosened up at least somewhat. And with new home sales doing their best since 2008…

                Of course, it doesn’t matter what anyone expects: the results of dipping mortgage rates is just plain good news for everyone in the Nutley real estate market: buyers and sellers alike. Those low mortgage rates act to offset the rising U.S. house price index. The result for buyers is a more valuable home without the expected increase in the monthly payment. What more of an inducement to enter the real estate market could there be?

                In short, if you’re considering whether it’s time to buy (or to sell your current home and trade up without busting the household budget), last week’s national and local market signs are even clearer than they have been recently. There are definitely opportunities out there! Why not give me a call for an up-to-the-moment Nutley real estate market evaluation?

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                  Options for Buying a Home After a Foreclosure Open Up

                  “Time flies when you’re having a good time” we hear. But time can also pass quickly for those who’ve had to go through difficult times. Case in point is a million and a half borrowers who have recently experienced the pain of a foreclosure. That’s the estimated number of those who, by this time next year, will have waited long enough to again become eligible for an FHA loan.

                  Anyone interested in buying a Nutley home after a foreclosure has come through a tough period. The standard waiting period for an FHA-guaranteed loan is 3-4 years following a foreclosure or short sale (though individual circumstances vary). Now that the weeks and months have ticked by, this sizable crop of newly eligible prospective ‘boomerang buyers’ may soon find themselves contemplating the option of buying a home after a foreclosure.

                  That estimate of the size of the newly eligible was provided by Moody’s Analytics. Since they are key players in determining creditworthiness, it’s a source I trust. A chart of Moody’s count from the second quarter in 2011 (when their number was a mere 285,000) to next year’s second quarter 1,500,000 provides a convincingly uphill slope.

                  Still, being eligible to apply does not mean automatically qualifying for an FHA (or any other) loan. Success in buying a Nutley home after a foreclosure continues to depend on the same standards that always apply. After the waiting game is over, having cured credit damage will become the prime requirement.
                  To increase their chances of successfully buying a home after a foreclosure, Nutley prospects will have paid existing credit card and loan debts with the kind of unfailing regularity that reassures loan officers and credit analysts alike. If that hasn’t been the case, the time to begin is ASAP.

                  Website Zillow predicts the next most influential group of buyers will be those who are looking to buy a home after a foreclosure or short sale. Nutley residents who are among them — and who are ready to make this their turnaround season — should give me a call. We can get started with the pre-approval process!

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