Join Our Mailing List
For Email Marketing you can trust

Mortgage Rates

Mortgage Rates

Current Mortgage Rates

Get Widgets


Follow us


Video Message

Place An Order Today


Attorney Settlement Assistance Program

Closing Services for Attorneys, Lenders and Realtors.
Check out ASAP

Holiday Movies For Thanksgiving @ Home

Here is a suggested list of movies for you and your family that have stood the test of time:

It's a Wonderful Life with Jimmy Stewart
The Night They Saved Christmas with Jaclyn Smith
A Charlie Brown Christmas
Rudolph The Red-Nosed Reindeer
The Polar Express
White Christmas with Bing Crosby and Bob Hope
Mr. Smith Goes to Washington - Jimmy Stewart
Wizard of Oz with Judy Garland
E.T. The Extra-Terrestrial
The Adventures of Robin Hood with Errol Flynn
Singing in the Rain with Gene Kelly

Happy Thanksgiving to you and your families this 2014.

Ralph Aponte, President

A Cheat Sheet for Increasing Your Referral Network in December

You Need a Plan

Calling more people is not a plan.
Creating a referral base requires planning, strategy and ultimately, engagement.

Expanding your referral network is like going on a road trip. You need fuel, you need a map, you need a destination and you need the vehicle that is going to get you to where you want to go.

1. Get some great resources for helping you

Bringing More Jobs to the Garden State

Within 48 hours of the decision by Mayor deBlasio and New York City not to provide tax breaks to JPMorgan Chase for their proposed $6.5 billion Office Tower, NJ's hungry Economic Development team jumped into the ring.

New Jersey's state officials and development team are looking to seize this deBlasio "dropped ball" and convert it into a "run scored" by giving the nation's largest bank the tax credits it is looking for.

October Home Sales Climb 2.6% from 2013

October 2014 home sales came in higher than 2013 by climbing by 2.6 percent higher than the level of sales for the prior year.

Sales for October fell marginally in October 2014 from September 2014 by 0.8 percent.

The Median Sales Price of all homes sold within 53 metropolitan areas surveyed in October 2014 was $193,000, which was 7.4% higher than the median price last October.

Home prices in October followed the 2014 pattern of steady growth, but at a slower rate than the double-digit increases seen in 2013.

Your Cheat Sheet On Selling a Home Quickly Pt 2

From the Outside In

Make sure your first impression is one that leaves the prospective buyer with a WOW.

· Paint the front door and door trim
· Consider replacing the hardware on the front door if it is worn
· Paint and clean any exterior light fixtures
· Paint the mailbox or even consider replacing it
· Replace the screens on both back and front doors
· Place plants near the back door to give it more of a ‘welcome’ accent
· Mulch, mow and edge the lawn

Your Cheat Sheet On Selling a Home Quickly

From the Inside Out

Make sure the buyer’s first impression says, “Welcome home. I’ve been waiting for you.”

Your Checklist
• Wash, shampoo and clean all surfaces, including clearing the cobwebs off the ceiling
• Paint interior window trim and wash the windows
• Clean and dust blinds and curtains
• Clean or replace any drapes or curtains
• Remove hooks and nails from all walls and patch the holes.
• Paint any rooms that have not been painted in the last two years. When doing so, use neutral colors, and semi-gloss water base on the trim

Pew Study Shows Most Americans Feel Personal Data Is Out of Control

The digital world we live is makes some things easier, but in other ways, makes most Americans feel out of control.

The recent Pew Study showed:
+ Found 91% of adults either agreed or strongly agreed that consumers have lost control over their personal information
+ 88% of adults agreed or strongly agreed that it would be “very difficult to remove inaccurate information about them online
+ 80% of adults said Americans should be concerned about the government’s monitoring of phone calls and internet communications

RealtyTrac Releases Foreclosure Report

RealtyTrac’s October Foreclosure Market Report showed foreclosure filings — default notices, scheduled auctions and bank repossessions — to be 123,109 properties in October, 2014. This represents an increase of 15 percent from the previous month but still down 8 percent from a year ago.

U.S. foreclosure activity peaked in March 2010.

The RealtyTrac Report showed one in every 1,069 U.S. housing units with a foreclosure filing during the month.

7 Weeks to Sold - Part 1

There are 7 selling weeks left in 2014. This doesn’t have to present a problem, but rather an incentive to both the buyer and to the seller.

The key to a November/December transaction is experience. That is where your real estate agent can really shine in cooperation with a savvy loan officer.

Here are some thoughts for the November/December buyer/seller to keep in mind:

Don’t buy-in to the perception that homes don’t sell after November 1: WRONG.

Of course, make sure all of your buyers are pre-qualified.

Negotiation and Transaction by Text

Today, because of the broad functionality of smart phones, a question was raised as to the enforceability of an offer to a seller by text.

An attorney in a YouTube video fielded this question regarding the idea of transaction by text.

In this case the seller's broker received an offer by text which was accepted by the seller but in the meantime seller's agent also received a higher offer by text from another buyer.

The question arose as to whether the first text to and from the two agents “Was the text an enforceable contract?”