Kelly's Blog

Residential and Commercial Mortgages NJ NY

Kelly Spinosa (Crossroads Realty) — Thu, 30 Oct 2008 21:17:10 -0500

For Residential and Commercial Mortgage Advice...

Tricia M. Shevack

Mortgage Consultant

718-979-7700

tricia@simortgagegroup.com

1678 Hylan Boulevard

Staten Island, NY 10305

Breast Cancer Awareness Month

Kelly Spinosa (Crossroads Realty) — Tue, 30 Sep 2008 17:26:20 -0500

October is BREAST CANCER AWARENESS MONTH!!!!!!!!!!!!!!!!!

Remember Early Detection is Best.

PREPARING FOR A HOME INSPECTION

Kelly Spinosa (Crossroads Realty) — Tue, 12 Aug 2008 09:42:11 -0500

Preparing Your Home for the Home Inspection

When you put your home on the market, you don't want any unpleasant surprises that could cost you the sale of your home. By having an understanding of these problem areas as you walk through your home, you will be preparing yourself against future disappointment.

1. Defective Plumbing

Defective plumbing can manifest itself in two different ways: leaking, and clogging. A visual inspection can detect leaking, and an inspector will gauge water pressure by turning on all faucets in the highest bathroom and then flushing the toilet. If you hear the sound of running water, it indicates that the pipes are undersized. If the water appears dirty when first turned on at the faucet, this is a good indication that the pipes are rusting, which can result in severe water quality problems.

2. Damp or Wet Basement

An inspector will check your walls for a powdery white mineral deposit a few inches off the floor, and will look to see if you feel secure enough to store things right on your basement floor. A mildew odor is almost impossible to eliminate, and an inspector will certainly be conscious of it.

It could cost you $200-$1,000 to seal a crack in or around your basement foundation depending on severity and location. Adding a sump pump and pit could run you around $750 - $1,000, and complete waterproofing (of an average 3 bedroom home) could amount to $5,000-$15,000. You will have to weigh these figures into the calculation of what price you want to net on your home.

3. Inadequate Wiring & Electrical

Your home should have a minimum of 100 amps service, and this should be clearly marked. Wire should be copper or aluminum. Home inspectors will look at octopus plugs as indicative of inadequate circuits and a potential fire hazard.

4. Poor Heating & Cooling Systems

Insufficient insulation, and an inadequate or a poorly functioning heating system, are the most common causes of poor heating. While an adequately clean furnace, without rust on the heat exchanger, usually has life left in it, an inspector will be asking and checking to see if your furnace is over its typical life span of 15-25 yrs. For a forced air gas system, a heat exchanger will come under particular scrutiny since one that is cracked can emit deadly carbon monoxide into the home. These heat exchangers must be replaced if damaged -they cannot be repaired.

5. Roofing Problems

Water leakage through the roof can occur for a variety of reasons such as physical deterioration of the asphalt shingles (e.g. curling or splitting), or mechanical damage from a wind storm. When gutters leak and downspouts allow water to run down and through the exterior walls, this external problem becomes a major internal one.

6. Damp Attic Spaces

Aside from basement dampness, problems with ventilation, insulation and vapor barriers can cause water, moisture, mould and mildew to form in the attic. This can lead to premature wear of the roof, structure and building materials. The cost to fix this damage could easily run over $2,500.

7. Rotting Wood

This can occur in many places (door or window frames, trim, siding, decks and fences). The building inspector will sometimes probe the wood to see if this is present - especially when wood has been freshly painted.

8. Masonry Work

Re-bricking can be costly, but, left unattended, these repairs can cause problems with water and moisture penetration into the home which in turn could lead to a chimney being clogged by fallen bricks or even a chimney which falls onto the roof. It can be costly to rebuild a chimney or to have it repainted.

9. Unsafe or Over-fused Electrical Circuit

A fire hazard is created when more amperage is drawn on the circuit than was intended. 15 amp circuits are the most common in a typical home, with larger service for large appliances such as stoves and dryers. It can cost several hundred dollars to replace your fuse panel with a circuit panel.

10. Adequate Safety Features

More than a purchased security system, an inspector will look for the basic safety features that will protect your home such as proper locks on windows and patio doors, dead bolts on the doors, smoke and even carbon monoxide detectors in every bedroom and on every level. Even though pricing will vary, these components will add to your costs. Before purchasing or installing, you should check with your local experts.

11. Structural/Foundation Problems

An inspector will certainly investigate the underlying footing and foundation of your home as structural integrity is fundamental to your home.

www.KellySpinosa.com

Kelly Spinosa (Crossroads Realty) — Sun, 22 Jun 2008 08:37:29 -0500

Be sure to check out my website for featured properties in Monmouth and Ocean County New Jersey. As well as current news and updates about Real Estate, Mortages, and Market Trends.

Contact me with any questions that you may have. Whether buying or selling now or sometime in the future, I am here to help you!!!

Kelly Spinosa

Crossroads Realty

2677 Route 70 West

Manasquan, New Jersey 08736

848-333-6718

Pre Closing Walk Through

Kelly Spinosa (Crossroads Realty) — Fri, 20 Jun 2008 12:44:00 -0500

Pre Closing Walk Through

This is a very important step before you go to the closing table, Here are some suggestions to help:

Inspect any damage done to the house when the previous residents were in the process of moving out... Marks on Floors, Knicks on Door Frames, Damage Hidden By Furniture, Damage to Walls.

Sometimes when the current owners are moving out they are less careful when moving furniture and damaging walls and floors, simply because they are moving out. However the home should be in the same condition as when you put an offer to purchase on it, so make sure to look for any excessive damage.

Make sure that the Seller has not left any unwanted items in the home that were not included in the sale, such as trash or furniture.
Also make sure that the Seller has left items that were supposed to be included in the sale, Example...Window Treatments, Lighting, and Appliances. Be sure that these items were the same as before and have not been substituted. It is a good idea to bring your contract so you can use it as a reference.
Check on all Repairs, if any, which the Seller has agreed to do from the Home Inspection.
Test Appliances, Heating and Air Conditioning Systems, Flush Toilets, Turn on Light Fixtures, Exhaust Fans. Assuming that a home Inspection was performed these things were checked but it is good to make sure that they are still in the same working order.

Take advantage of the Pre Closing Walkthrough, and remember that when you transfer title you are now the owner of the property... So you must ensure that you are getting everything in the same condition as when you entered into contract.

Agent Responsibilites from Contract to Closing

Kelly Spinosa (Crossroads Realty) — Tue, 10 Jun 2008 13:37:30 -0500

Agent Responsibilities

From Contract to Closing

Deliver or confirm delivery of fully executed contract to you and the buyer.
Confirm deposit of initial deposit monies.
Report Sale to appropriate Board of Realtors and Multiple Listing Service.
Follow-up with Selling Realtor on the completion of mortgage application (if applicable). Obtain name and phone number of Lender and Mortgage Loan Officer.

Confirm with Selling Realtor, the dates and times of termite inspection, home inspections and any other inspections that are required.

Assist you in negotiating your responsibilities for repair issues with buyers.
Confirm deposit of remaining deposit money.
Follow-up on status of mortgage loan with Selling Realtor.
Meet appraiser at property if applicable.
Verify that all contingencies of sale have been satisfied.
Confirm completion of repairs (if applicable) and forward copies of work receipts to closing attorney's.

Arrange for Smoke Alarm Inspection, CO and any other inspections.
Forward copies of applicable certifications (i.e., termite, smoke alarm, well, septic, etc.) to closing parties.

Confirm time, date and location of closing and inform you accordingly.
Confirm deposit monies ordered for closing.
Schedule with you, the Selling Realtor and the buyer the date and time for the final walk through.

Notify closing attorney's as to walk-through results.
Remove sign and lockbox.
Verify location of keys, garage door openers and warranty documents.
Attend closing. Bring all applicable files, documents, keys and any other pertinent information.

Kelly M. Spinosa Crossroads Realty New Jersey

Kelly Spinosa (Crossroads Realty) — Tue, 10 Jun 2008 13:08:33 -0500

I am a full-time New Jersey licensed Real Estate Sales Professional and a lifetime resident of the Jersey Shore. I am extremely hardworking and am committed in helping you through every step of the buying and selling process. I pride myself in honesty, mutual respect and professionalism. I fully Understand that every individual is different, and I am dedicated to accommodating to each individuals personal needs. My love for New Jersey is what inspires my determination in finding others their dream home throughout all of New Jersey. With a degree in Psychology from Georgian Court University, I enjoy working with people. My specialty is first time home buyers, in which I am able to relate to their needs, as well as incorporate her knowledge and skills.

Specialty Markets

First-Time Buyers
Luxury Properties
Buyer Representative
Retirement/Second Home
Relocation

Credentials

Ocean School of Real Estate, Brick New Jersey
Graduate of Crossroads Realty, extensive 3 week training program
Member of the National Association of Realtors and the New Jersey Association of Realtors oMember of the Monmouth/Ocean Multiple Listing Services
BA in Psychology from Georgian Court University

New Jersey Smart Start Program Grant Money

Kelly Spinosa (Crossroads Realty) — Wed, 28 May 2008 11:08:26 -0500

Grant Money New Jersey

New Jersey's Smart Start Program

Is a Shortage of Upfront Funds Preventing You From Buying Your First Home

If you are a first time homebuyer purchasing in a Smart Growth area, you may be eligible to recieve a grant in the form of a forgivable second loan to cover the down payment and/ or closing costs.

This means the State of New Jersey could give you up to 4% of your first mortgage.... and if you fulfill the necessary requirements, you will not have to pay it back.

Call me to find out if you are eligible!!!

Kelly Spinosa,

Real Estate Sales Associate

Crossroads Realty

2677 Route 70 West

Manasquan, New Jersey 08736

848-333-6718

Kellyspinosa@verizon.net

Grant Money Monmouth County New Jersey

Kelly Spinosa (Crossroads Realty) — Wed, 28 May 2008 11:03:29 -0500

Grant Money New Jersey

New Jersey's Smart Start Program

Is a Shortage of Upfront Funds Preventing You From Buying Your First Home

If you are a first time homebuyer purchasing in a Smart Growth area, you may be eligible to recieve a grant in the form of a forgivable second loan to cover the down payment and/ or closing costs.

This means the State of New Jersey could give you up to 4% of your first mortgage.... and if you fulfill the necessary requirements, you will not have to pay it back.

Call me to find out if you are eligible!!!

Kelly Spinosa,

Real Estate Sales Associate

Crossroads Realty

2677 Route 70 West

Manasquan, New Jersey 08736

848-333-6718

Kellyspinosa@verizon.net

Grant Money Ocean County New Jersey

Kelly Spinosa (Crossroads Realty) — Wed, 28 May 2008 11:00:48 -0500

Grant Money New Jersey (edit/delete)

New Jersey's Smart Start Program

Is a Shortage of Upfront Funds Preventing You From Buying Your First Home

If you are a first time homebuyer purchasing in a Smart Growth area, you may be eligible to recieve a grant in the form of a forgivable second loan to cover the down payment and/ or closing costs.

This means the State of New Jersey could give you up to 4% of your first mortgage.... and if you fulfill the necessary requirements, you will not have to pay it back.

Call me to find out if you are eligible!!!

Kelly Spinosa,

Real Estate Sales Associate

Crossroads Realty

2677 Route 70 West

Manasquan, New Jersey 08736

848-333-6718

Kellyspinosa@verizon.net

Grant Money New Jersey

Kelly Spinosa (Crossroads Realty) — Wed, 28 May 2008 10:57:33 -0500

New Jersey's Smart Start Program

Is a Shortage of Upfront Funds Preventing You From Buying Your First Home

If you are a first time homebuyer purchasing in a Smart Growth area, you may be eligible to recieve a grant in the form of a forgivable second loan to cover the down payment and/ or closing costs.

This means the State of New Jersey could give you up to 4% of your first mortgage.... and if you fulfill the necessary requirements, you will not have to pay it back.

Call me to find out if you are eligible!!!

Kelly Spinosa,

Real Estate Sales Associate

Crossroads Realty

2677 Route 70 West

Manasquan, New Jersey 08736

848-333-6718

Kellyspinosa@verizon.net

Bridal Show June 18, 2008 at The Barclay in Belmar, New Jersey

Kelly Spinosa (Crossroads Realty) — Tue, 20 May 2008 10:17:17 -0500

Attention all Brides to Be!!!

I will be attending a Bridal Show as a Vendor in Belmar, New Jersey at the lovely newly renovated Barclay on June 18th, 2008 at 6:30 p.m.

I am going to be handing out information on First Time Home Buyers, FHA Loans, Ways to Start Preparing to Purchase Your First Home, All About the Scary Down Payment, Town and School Information All Throughout New Jersey, and I will also be Displaying a lot of Great Starter Homes in the Area to Give all the Brides Some Ideas as to What There is Out There for First Time Buyers.

THERE WILL ALSO BE GIVEAWAYS FOR A LOCAL RESTAURANT... INCLUDING A DISCOUNT OFF A BOOKING FOR YOUR WEDDING REHEARSAL DINNER OR PRIVATE PARTY, DISCOUNT TOWARDS OFF YOUR WEDDING CAKE AT A LOCAL BAKERY AND ALSO A DISCOUNT FOR YOUR DAY AT THE SALON PRIOR TO YOUR WEDDING!!!!!

This is going to be a Huge Show!!!! Sponsored By The KNOT

www.PLANITEXPO.COM

OR CALL 732-506-6800

You can also Contact me at KELLYSPINOSA@verizon.net

Fun at the New Jersey Shore

Kelly Spinosa (Crossroads Realty) — Wed, 16 Apr 2008 14:04:52 -0500

There are so many wonderful things to do at the Jersey Shore. Living in Monmouth/Ocean County New Jersey has so many advantages... We are only an hour south of New York City, 45 minutes north of Atlantic City, and approximatley an hour away from Philadelphia.

SO HERE ARE JUST A FEW OF THE MANY ACTIVITIES THAT CAN BE ENJOYED AT THE NEW JERSEY SHORE. I DONT THINK THAT MANY PEOPLE REALIZE HOW MUCH THE JERSEY SHORE HAS TO OFFER!!!!!

Point Pleasant Beach- Jenkinsons Boardwalk

This is exactly what summer is all about. Point Pleasant is a wonderful town that prides itself in summer fun for many vacationers while still maintaining safety and cleanliness throughout the town. Enjoy the beach for the day, take a walk on the boardwalk, play some games with the kids or act like a kid yourself, dine out at the great restaurants, and of course fun nightlife. It is for sure a must see!!

Jenkinson's Aquarium
300 Ocean Avenue
Point Pleasant Beach, NJ 08742
(732) 892-0600 - General Information
E-mail: aquarium@jenkinsons.com

Located on the Point Pleasant Boardwalk

So Cute...

The PNC BANK ARTS CENTER is a modern Ampitheatre in Holmdel New Jersey. It holds up to 17,500 people in which 7,000 of those are seats within the Theatre and 10,500 are seated on the grass section which is also affordable tickets.

Many different types of artists play here. I cant think of anything better than listening to great live music while relaxing on your blanket with some friends. And the best is that while you can get great seats at regular concert venue prices. The lawn seats start at $20... You Cant Beat That!!! And of course all in New Jersey.

Some Upcomming Summer Concerts

Thursday 5/22/08 Eric Clapton

Friday 6/20/08 James Taylor

Friday 6/27/08 Ringo Starr and His AllStar Band

Sunday 7/20/08 Steve Miller Band with Joe Cocker

Sunday 8/3/08 The Police and Elvis Costello

Thursday 8/7/08 Counting Crows and Maroon 5

Wednesday 8/20/08 Rod Stewart

Monmouth Park Racetrack

Opening Day for Summer 2008 is May 9th

A Historic Landmark down at the Jersey shore, Monmouth Park Racetrack is fun for all ages. This is one of my favorite things to do at the Jersey shore, for many reasons. Its is relexing, fun and affordable.

Admission:
(Children under 12 are FREE)

Location	Price
Grandstand	$3
Clubhouse	$5
Reserved Seats	Additional $2
Reserved Box Seats	Additional $4

Parking:

Location	Price
Picnic Lot (Grass Lot)	FREE
Grandstand General	$1
Grandstand Preferred	$3
Clubhouse Preferred	$4
Valet	$7

Inside Monmouth Park you can find all the good snacks and beverages. And even better you can bring your own food and drinks with you in your cooler when entering the grandstand. The grandstand area has many benches to sit at which are directly on ground level in front of all the action, or you can also enjoy some of the shady picnic areas within the grandstand. I just love this place!!

http://www.monmouthpark.com

For Sale Condo, Brick New Jersey

Kelly Spinosa (Crossroads Realty) — Wed, 09 Apr 2008 11:43:17 -0500

Sold At Above Asking Price!!!!

Brick Condo...Mint Condition Newly Updated In 2006

Call Me Direct!!!! 848-333-6718

Listed at Only $219,000

You will not be disappointed in this newly renovated Townhome located on beautiful Lake in the desirable Twin Lakes section. Completely updated in 2006 featuring Immaculate Wood Laminate Floors, Modern Light Fixtures, Stainless Steel Appliances, New Carpeting on second floor, Large Master Bedroom with Walk-In Closet and entry to Master Bath. Pull Down Attic and plenty of storage space. Nice Outdoor Patio to Barbeque and enjoy the gorgeous view. Best Deal in Twin Lakes...Do Not Miss Out!

Taxes Done in 2007 $2458

Room Type	Lvl	Dimnsns	Room Type	Lvl	Dimnsns	Room Type	Lvl	Dimnsns	#BsmtBth:
Living	1	17x12	Dining	1	10x12	Kitchen	1	10x10	#Lvl1Bths:	0.5
Bedrm:Master	2	11x16	Bedroom	2	9x11	Laundry	1	7x6	#Lvl2Bths:	1
#Lvl3Bths:

Interior:	AtPlDn
Foy:	FLr-Wood	LR:	FLR-Wood	DR:	FLR-Wood
GR/FR:	Kit:	Newer, FLR-Wood	MBR:	FLR-W/w Carp, Walk-in, Fullbath
MBA:	FLR-Ceram, Tub	Flr:	Wood	Bsmt:	Other/SeeRmk
HVAC:	Cent Air, Fha	Fuel:	Nat Gas	WatHt:	Nat Gas
Exterior:	Patio, Oth/See Rmks, OurdrLtng
Gar:	None	Park:	Off Stre	Roof:	Shingled
Lot:	Pool:	Y:	SpclNeeds
Siding:	Clapboard, Cedar	WtSw:	Public Water
Included:	Dishwash, Refriger, Stove, Washer, Dryer, Ceil Fan, Light Fi, Track Li, Stove Ho
Excluded:	PERSONAL BELONGINGS, MICROWAVE, WINDOW TREATMENTS
Allowable:	Dogs, Cats, Rentals

Sea Girt, New Jersey

Kelly Spinosa (Crossroads Realty) — Tue, 08 Apr 2008 15:50:54 -0500

Sea Girt

Sea Girt is a small upscale picturesque beach town, with a population around 2,200 people. The quaint borough town has only a total area of 1 square mile, and is neighbored by other surrounding shore towns; Manasquan, Wall Township, Spring Lake and Spring Lake Heights. Sea Girt also contains one of New Jersey's lighthouses, the Sea Girt Lighthouse located on Ocean Avenue offset from the beach. The borough greatly prides itself on safety and exceptionally low crime rates. The National Guard Camp and State Police Academy are located in the southernmost area of town. Most of the Sea Girt's population is from its year-round residents, although the town also brings about a large amount of seasonal traffic.

Sea Girt has by far, one of the finest beaches at the Jersey Shore. The tidy beaches are filled with visitors, although surprisingly it remains quiet, peaceful and serene. The boardwalk stretches along the beach and is often filled with lots of people simply enjoying the outdoors and its spectacular landscape. Activities enjoyed by residents in Sea Girt include tennis, biking, kayaking, surfing, boating, fishing and so much more. Be sure to stay for the night at one of the lovely Bed and Breakfasts', for some rest and relaxation. Don't forget to stop by one of the local favorites, the historic Parker House, for a bite to eat and some live entertainment. The Sea Girt Elementary School serves public school students in kindergarten through eighth grade. For the 2005-06 school year, Sea Girt Elementary School was one of four schools in New Jersey recognized by the United States Department of Education as a recipient of the national Blue Ribbon Schools Program, the highest level of recognition awarded to an American school.^[8]

For grades 9-12, most Sea Girt students attend Manasquan High School, as part of a sending/receiving relationship with the Manasquan Public Schools. Many graduates choose to attend private school and students have enrolled in Christian Brothers Academy, Choate, Lawrenceville School, Peddie School, Ranney School, Red Bank Catholic High School, and St. Rose High School. (http://en.wikipedia.org/wiki/Sea_Girt%2C_New_Jersey)

(http://www.seagirt-nj.com/)

The Parker House...

Manasquan, New Jersey

Kelly Spinosa (Crossroads Realty) — Thu, 03 Apr 2008 17:16:15 -0500

The town of Manasquan, New Jersey is a wonderful beach town with lots to do. People in this town always seem to be so active...from biking, walking, tennis, shopping at the adorable shops and boutique's on Main Street, looking for a good find at one of the antique shops, dining out at one of the many casual restaurants, catching a flick at the historic Algonquin Theatre, or just lounging at the beach for the day. In a nutshell this town is all about enjoying life!

Manasquan Beach, So Beautiful!

Some Town Favorites for Vacationing, Dining, Nightlife and Entertainment

Local Bed and Breakfast,

The beautiful Nathaniel Morris Inn

117 Marcellus Ave.

I had guests stay here for my wedding and they absolutely loved it! The rooms are adorable and it has a wonderful historic feel to it.

Some of the Great Restaurants in Manasquan...

Squan Tavern

21 Broad Street

This Is by far one of the local favorites

Maria's Italian Restaurant... You can Always Catch A Good Meal Here

165 Main Street

Harpoon Willy's

2655 River Road

Nightlife Bars

O'Neills

Leggetts

The Squan Village Historical Society

This historical society has been able to preserve Manasquan's unique history. You can go and look at old pictures of the town and even find an picture of your home when it was first built along with the timeless pictures of the town. I love the town of Manasquan, for the reason that they pride theirselves in preserving the historic homes and keeping that wonderful classic feel.

http://www.squanhistorical.org

Tips on Being A Successful Real Estate Agent

Kelly Spinosa (Crossroads Realty) — Mon, 24 Mar 2008 21:40:46 -0500

As a new agent, I am continuously looking for tips and advice that will help me to be successful. I now see why so many agents fail at becoming successful...It is extremely difficult during your first year. I came across some tips on how to stay focused and not get discouraged throughout frustrating periods of you career. As I am working on these tips myself, I would love to hear the advice of others as well...

Develop A Marketing Plan

When you go into real estate sales, you are going into business for yourself. But many salespeople have no clear goals or time-line for achieving their goals. Consistently, real estate professionals who have a written business plan are more successful than people who don't. It is important to get a plan and stick with it.

Use Resources Available to You

Even if you're new to the industry, you don't have to recreate the wheel. Take advantage of all the resources that are around you - from your brokerage, your colleagues, and professional organizations. Find top performers in your market or other markets and ask them to mentor you. Stay informed with the latest real estate news! Others will come to you expecting the best advice and you better be able to give it. Become a Real Estate Expert.

Maximize Your Productivity

Expand your listings and market yourself everywhere you can online. This will increase your productivity by expanding your marketing area to millions of online viewers. In addition, if you look at top-producing real estate professionals who are selling 600-plus units a year, you will notice that they have two things in common: assistants and systems. You may erroneously think that you can't afford a personal assistant. But think again. If you can significantly increase your income by increasing your efficiency and the number of transactions you can close in a year, you can't afford not to get a personal assistant.

Earn Designations

Many practitioners feel that they aren't making enough money to allocate funds for education. This is backwards thinking. You take the class to acquire the skills to increase your sales and earn more. The skills you learn and the referral relationships you develop with other students you meet will dramatically affect your bottom line and your potential for success.

Customize Your Marketing Techniques

It may be easy to keep printing out letters and using the same listing presentation all the time. But do not forget to direct all of your letters and such toward your client. This sounds like a no brainer, however it is important to not forget that your client is not just another prospect, but instead they have their own individual home, needs and expectations.

Learn from Your Mistakes, Then Move On

Try not to dwell on your mistakes, because there will be many of them. Instead take a minute to absorb what happened, recognize your mistake, learn from it and them move on!! This may be the best advice that I have heard so far. It sounds easy but often it is hard to just let it go, but in order to be successful it is necessary to move on and not dwell on your mistakes

(http://realestate.about.com/gi/dynamic/offsite.htm)

Six Top Reasons Your Home May Not Have Sold

Kelly Spinosa (Crossroads Realty) — Thu, 20 Mar 2008 11:47:37 -0500

Mortgage interest rates are near a record low and people are buying homes every day. So, why is it that some homes sell right away while others sit on the market for months and months?

1. Overpricing. The number-one reason a house or condominium does not sell is because it is over-priced. If you listed your home with the real estate agent who recommended the highest list price, they probably "bought" the listing. Now, they may be reluctant to admit that your home is over-priced.

Do you wonder why you're not getting any offers? Today's savvy home buyers will either not look at over-priced properties, or when they do, they make offers that are much lower than the market value. Home buyers are very smart and they often know more about home values than real estate agents. If your home has been on the market for more than 30 days, it's time to review a new market analysis to check the list price against other active listings and recent sales. Then, adjust your price accordingly.

2. Condition of the home. The second major reason homes do not sell is their physical condition. Few home buyers want to purchase fixer-uppers. Most want a home to be in near-perfect, "model home" condition. Does your home need a fresh coat of paint or new carpeting? Is your yard and landscaping appealing?

3. Bad location. No matter how appealing a home might be, if it's in a bad location it will not sell, or it will sell for substantially less than comparable homes in good locations. Negative location factors include bad schools, busy roads, high crime areas, poorly maintained neighboring homes, lack of public transportation, poor shopping, power lines and poor parks.

4. The listing agent. Few sellers realize that their listing agent could be the reason their home does not sell. Some agents are known among their colleagues as "difficult agents." The result is that other agents do not want to show the listings of those agents unless there is nothing else to show prospective buyers. Sellers may never know that their listing agent is not liked by other agents and is hurting the home sale. Experienced, cooperative, friendly, enthusiastic and

accessible listing agents are a major asset to their clients.

5. Poor marketing plan. Some real estate agents get the listing agreement signed, put it into the MLS and sit back to wait for other agents to bring a buyer. That's not enough to sell a home. The best agents have a written marketing plan and they follow it to be sure the property sells.

6. Difficult to show. A common saying in real estate is "If you can't show it, you can't sell it." The more a home is shown, the faster it sells. The message is clear; make your home easy to show by installing a lock box. If a lock box is not feasible, ask your real estate agent to set up a procedure that will make it easy to show your home.

Motivational Quotes

Kelly Spinosa (Crossroads Realty) — Wed, 19 Mar 2008 17:59:06 -0500

Famous Motivational Quotes

"Look at a day when you are supremely satisfied at the end. It's not a day when you lounge around doing nothing, it's when you've had everything to do and you've done it!" --Margaret Thatcher

"Twenty years from now you will be more disappointed by the things that you didn't do than by the ones you did do. So throw off the bowlines. Sail away from the safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover." -- Mark Twain

"Many people fail in life, not for lack of ability or brains or even courage but simply because they have never organized their energies around a goal." -- Elbert Hubbard

"A man who dares to waste one hour of life has not discovered the value of life." -- Charles Darwin

"The greatest mistake you can make in life is to be continually fearing you will make one." -- Elbert Hubbard

"If you're not failing every now and again, it's a sign you're not doing anything very innovative"-- Woody Allen

"Keep away from people who try to belittle your ambitions. Small people always do that, but the really great make you feel that you, too, can become great"-- Mark Twain

"Great works are performed, not by strength, but by perseverance"--Samuel Johnson

"A person is a success if they get up in the morning and gets to bed at night and in between does what he wants to do"-- Bob Dylan

"Success is the ability to go from failure to failure without losing your enthusiasm"-- Sir Winston Churchill

"Eighty percent of success is showing up"--Woody Allen

(http://www.famous-motivational-quotes.com)

The Art of Persuasion

Kelly Spinosa (Crossroads Realty) — Thu, 06 Mar 2008 22:22:12 -0600

Understanding social psycholgy can be a great asses to any real estate agent. Having a bachelor's degree in Psychology I relate every aspect of life to Psychology. I truly feel that this characteristic will greatly benefit my real estate career. Who would of thought that I would have become a real estate agent, but when you think about it having a knowledge of this can enhance your career.

One topic that could relate to Real Estate could be the "Art of Persuasion"

Persuasion is a form of social influence in which people are affected by your attitude towards them.

Social Influence- People will do things that they see other people are doing. For example, if there is a neighborhood and 10 homes are listed with XYZ Real Estate Agency, it is a proven fact that no matter how terrible the agency all others in the neighborhood will also list with them. This prove how important it is to get your agency name out there within the community.

Authority Figures- People will tend to obey authority figures, which reverts ourselves to childhood. Without knowing some people are more persuaded by others. For instance a young couple buying a home may listen to the older agent's advice because we are expected to listen those older than us. \

Similarity- People are easily persuaded by other people that they like. This may seem obvious but this proves that a Real Estate agent must at times be a chameleon. It is important to find a similarity in each one of your clients, they will relate to you more and you will be more likely to persuade them in making the best choice.

Crossroads Realty

Kelly Spinosa (Crossroads Realty) — Thu, 06 Mar 2008 17:28:51 -0600

To tell you a bit about my agency, Crossroads Realty. We are a highly reputable company that has been servicing the community in Real Estate transactions in Monmouth and Ocean Counties for over 40 years. We have built a strong reputation based on integrity, success and real estate expertise. Crossroads Realty closes more transactions than any other agency in Ocean County. We offer an extensive advertising plan and a full range of services to our clients, including a Home Mortgage Company, Title and Home Owners Insurance, a Commercial Property Division, Relocation Services for out of town clients, an Adult Community Division and a Distinctive Luxury Property Division.

www.CrossroadsRealtyNJ.com

Tips on Increasing the Value of Your Home

Kelly Spinosa (Crossroads Realty) — Wed, 05 Mar 2008 21:41:12 -0600

Preparing to Sell Your Property???
Tips on Increasing the Value of Your Home
1. Clean and De-clutter - Remove clutter by storing items in basement, attic or friend's home. Rent a storage space or sell excess items, if needed. Keep every room very clean during open homes. This allows potential buyers to have the ability to picture themselves living in your home and envision their own belongings there rather than your own. It also will help free up space and make areas seem larger.
2. Let Light In - Open the windows and let the light in. Replace any burnt-out bulbs and use higher wattage bulbs, if possible. Have defective electrical components repaired or replaced. Make sure skylights are clear and keep drapes open during the day.
3. Landscaping- Hire a professional to add landscaping to your home. You want your home to stand out for its clean and maintained appearance.
4. Plumbing and electrical -Consider repairing or replacing any defective plumbing or electrical items in your home. Make sure you have the right person for the job by getting several estimates.
5. Staging - Buy some fresh flowers, live plants and other decorations to liven up the home. Make your home look as though it is out of a magazine. You want someone to come into your home and see a picture perfect home.
6. Update kitchen and bath - This could be the most important udate you could do to your home in order to get the largest return. Update kitchen and baths by resurfacing cabinets or painting with neutral color. Replace toilet seats, dated fixtures and drawer/cabinet handles. Freshly caulk and redo grout in countertops, sinks, tubs and showers. However, be sure not to go over budget. You do not have to have top of the line coutnertops and cabinets. It is better to just focus on having a modern vision while staying within a budget.
7. Paint interior - Repair any damaged interior walls by patching all chips, holes and cracks; then touch up or repaint interior walls with neutral color. This will add a clean appearance for very little cost.
8. Carpeting - If carpets are dirty, shampooing and/or spot removal should suffice. If there are rips, fading, heavy wear, smells or deep stains, replace with neutral color.
9. Flooring - Consider refinishing your hardwood floors. Most buyers do prefer hardwood floors, so highlight this it will only increase the value of your home.
10. Paint exterior - Repaint or resurface the outside walls of house, as needed. Patch and repair any damaged areas.

Kelly's Blog

Residential and Commercial Mortgages NJ NY

Breast Cancer Awareness Month

PREPARING FOR A HOME INSPECTION

www.KellySpinosa.com

Be sure to check out my website for featured properties in Monmouth and Ocean County New Jersey. As well as current news and updates about Real Estate, Mortages, and Market Trends.

Contact me with any questions that you may have. Whether buying or selling now or sometime in the future, I am here to help you!!!

Kelly Spinosa

Crossroads Realty

2677 Route 70 West

Manasquan, New Jersey 08736

848-333-6718

Pre Closing Walk Through

Pre Closing Walk Through

This is a very important step before you go to the closing table, Here are some suggestions to help:

Inspect any damage done to the house when the previous residents were in the process of moving out... Marks on Floors, Knicks on Door Frames, Damage Hidden By Furniture, Damage to Walls.

Sometimes when the current owners are moving out they are less careful when moving furniture and damaging walls and floors, simply because they are moving out. However the home should be in the same condition as when you put an offer to purchase on it, so make sure to look for any excessive damage.

Make sure that the Seller has not left any unwanted items in the home that were not included in the sale, such as trash or furniture.

Check on all Repairs, if any, which the Seller has agreed to do from the Home Inspection.

Test Appliances, Heating and Air Conditioning Systems, Flush Toilets, Turn on Light Fixtures, Exhaust Fans. Assuming that a home Inspection was performed these things were checked but it is good to make sure that they are still in the same working order.

Take advantage of the Pre Closing Walkthrough, and remember that when you transfer title you are now the owner of the property... So you must ensure that you are getting everything in the same condition as when you entered into contract.

Agent Responsibilites from Contract to Closing

Agent Responsibilities

From Contract to Closing

Deliver or confirm delivery of fully executed contract to you and the buyer.

Confirm deposit of initial deposit monies.

Report Sale to appropriate Board of Realtors and Multiple Listing Service.

Follow-up with Selling Realtor on the completion of mortgage application (if applicable). Obtain name and phone number of Lender and Mortgage Loan Officer.

Confirm with Selling Realtor, the dates and times of termite inspection, home inspections and any other inspections that are required.

Assist you in negotiating your responsibilities for repair issues with buyers.

Confirm deposit of remaining deposit money.

Follow-up on status of mortgage loan with Selling Realtor.

Meet appraiser at property if applicable.

Verify that all contingencies of sale have been satisfied.

Confirm completion of repairs (if applicable) and forward copies of work receipts to closing attorney's.

Arrange for Smoke Alarm Inspection, CO and any other inspections.

Forward copies of applicable certifications (i.e., termite, smoke alarm, well, septic, etc.) to closing parties.

Confirm time, date and location of closing and inform you accordingly.

Confirm deposit monies ordered for closing.

Schedule with you, the Selling Realtor and the buyer the date and time for the final walk through.

Notify closing attorney's as to walk-through results.

Remove sign and lockbox.

Verify location of keys, garage door openers and warranty documents.

Attend closing. Bring all applicable files, documents, keys and any other pertinent information.

Kelly M. Spinosa Crossroads Realty New Jersey

New Jersey Smart Start Program Grant Money

Grant Money New Jersey

New Jersey's Smart Start Program

Is a Shortage of Upfront Funds Preventing You From Buying Your First Home

If you are a first time homebuyer purchasing in a Smart Growth area, you may be eligible to recieve a grant in the form of a forgivable second loan to cover the down payment and/ or closing costs.

This means the State of New Jersey could give you up to 4% of your first mortgage.... and if you fulfill the necessary requirements, you will not have to pay it back.

Call me to find out if you are eligible!!!

Kelly Spinosa,

Real Estate Sales Associate

Crossroads Realty

2677 Route 70 West

Manasquan, New Jersey 08736

848-333-6718

Kellyspinosa@verizon.net

Grant Money Monmouth County New Jersey

Grant Money New Jersey

New Jersey's Smart Start Program

Is a Shortage of Upfront Funds Preventing You From Buying Your First Home

If you are a first time homebuyer purchasing in a Smart Growth area, you may be eligible to recieve a grant in the form of a forgivable second loan to cover the down payment and/ or closing costs.

This means the State of New Jersey could give you up to 4% of your first mortgage.... and if you fulfill the necessary requirements, you will not have to pay it back.

Call me to find out if you are eligible!!!

Kelly Spinosa,

Real Estate Sales Associate

Crossroads Realty

2677 Route 70 West

Manasquan, New Jersey 08736

848-333-6718

Kellyspinosa@verizon.net

Grant Money Ocean County New Jersey

Grant Money New Jersey (edit/delete)

New Jersey's Smart Start Program

Is a Shortage of Upfront Funds Preventing You From Buying Your First Home

If you are a first time homebuyer purchasing in a Smart Growth area, you may be eligible to recieve a grant in the form of a forgivable second loan to cover the down payment and/ or closing costs.

This means the State of New Jersey could give you up to 4% of your first mortgage.... and if you fulfill the necessary requirements, you will not have to pay it back.

Call me to find out if you are eligible!!!