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    Saturday, August 11, 2018   /   by Jack W. Zaborowski

    5 Mortifying Reasons Mortgage Applications End Up in the 'Reject' Pile By Daniel Bortz | Aug 6, 2018

    Picture this nightmare: You apply for a mortgage, but your application gets rejected. Suddenly, you’re hit with an overwhelming wave of embarrassment, shock, and horror. It’s like having your credit card denied at the Shoprite. So. Much. Shame.
    Sadly, this is a reality for some home buyers. According to a recent Federal Reserve study, one out of every eight home loan applications (12%) ends in a rejection.
    There are a number of reasons mortgage applications get denied‚ and the saddest part is that many could have been avoided quite easily, had only the applicants known certain things were no-nos. So, before you're the next home buyer who gets burned by sheer ignorance, scan this list, and make sure you aren't making any of these five grave mistakes, which could land your mortgage application in the "no" pile.
    1. You didn't use credit cards enough
    Some people think credit card debt is the kiss of death ... but guess what? It's also a way to establish ...

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      mortgages; mortgage application

    Friday, October 27, 2017   /   by Jack W. Zaborowski

    How Market Value Is Determined,,,The CMA

    How Market Value is Determined                                            Your Current Market Analysis (CMA)
    There are many ways the market value of your home is determined. 

    Most Important......The TRUE market value of your home is what the BUYER is willing to pay for the property! 

    Based on today's market
    Based on today's competition
    Based on today's financing
    Based on today's economic conditions
    Based on the buyer's perception of the condition of the property
    Based on the location 
    Based on what similar homes have sold for in the immediate neighborhood, if available
    Based on what similar homes have sold for in the city
    Based on normal marketing time

    How properties SELL in today's market:

    Improving upon the condition when feasible and able to
    Improving upon the way the home shows

    putting personal items away ...

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    Thursday, July 21, 2016   /   by Jack W. Zaborowski

    9 Feng Shui Tips to Enhance Wealth and Harmony In Your Home


    Did you know the Entry door is the most important door in your home? One Feng Shui tip to increase positive vibes, and invite good "chi" into your home is to fix squeaky hinges, and most importantly the entry door hinges, as this door represents how "chi", wealth, and opportunity enters your life. Another tip, is to enter from the Front Door entry rather than a side door, or rear door (I know my family, we tend to always use the back door, woops!) Entering the home through entrances other than the front door, could limit good energy opportunities from coming into your home. Remember, the entry door represents how "chi" enters the home and life.

    Water is a very important element in Feng Shui. It represents wealth. Adding water elements, such as fountains, ponds, fishbowls, and aquariums, can help enhance the water element and wealth in our homes, especially near the entry way to the home. Just make sure the water is flowi ...

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    Thursday, June 23, 2016   /   by Jack W. Zaborowski

    Finance your Home Improvement Project to Increase Your Equity

    There are TONS of foreclosures and shortsales in this market, but usually, they are sold "as-is." Yes, you usually get a great deal, but you often get a great deal of work along with it. Or maybe you want to increase the value of your home with some simple upgrades and improvements. Maybe, you're an investor, and want to do a "fix and flip," or a buy and hold income property. There are lots of ways to increase the value of your home by putting a little work into it, and there are lots of ways to finance it. Here is a great article from Thesimpledollar.com that describes the "Best Home Improvement Loans of 2016." http://www.thesimpledollar.com/best-home-improvement-loans/

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    Friday, June 17, 2016   /   by Jack W. Zaborowski

    We Have Recently Added a Buyer's Agent to Our Team!

    We have recently added a Buyer's Agent to our Team! Jessica Abribat has recently joined our team as a Buyer's Agent, to help better service our clients' need. A Buyer's Agent Works Only For the Buyer. A Buyer's Agent has fiduciary duties to the Buyer which include: reasonable care, undivided loyalty, confidentiality, and full disclosure. A Buyer's Agent, unlike the Listing Agent (who has fiduciary duties to the seller) can bargain for a Buyer, on selling price. The Buyer's Agent also facilitates home inspections, negotiates contingencies or issues that may come up, and assists the Buyer through the closing process. 

    A Buyer's Agent can also work as a disclosed dual agent, if the opportunity arises. For example, when working with buyers, a Buyer's Agent may find a house within their desired criteria that is one of their listings, or a listing within their company or team. In this case, the buyer's agent, in order to show or sell you the property, would have t ...

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