South Jersey Real Estate Tips

2779 N Constitution Rd, Camden, NJ

Wed, 28 Apr 2010 20:28:47 -0700

Kim Thomas | Realty Executives | 856-308-5989

2779 N Constitution Rd, Camden, NJ

Beautiful Town home in Fairview!!

3BR/1BA Townhouse

offered at $82,999

Year Built	1980
Sq Footage	1,160
Bedrooms	3
Bathrooms	1 full, 0 partial
Floors	Unspecified
Parking	2
Lot Size	2,178 sqft
HOA/Maint	$0 per month

DESCRIPTION

Just Listed! Come take a look at this 3 bedroom rehabbed home in desirable Fairview before the Tax credits expire!!! Open floor plan, newer stainless steel appliances; updated kitchen and bath with ceramic tile. Full appliance package including Washer, dryer and stand-alone freezer. Newer heater and centrail air. Move-in condition and immediate ocupancy. Fenced frontyard, rear porch and will also consider a new fence for backyard. Showings begin 2/15 after fresh paint is completed. Make your appointment today!

see additional photos below

PROPERTY FEATURES

- Yard

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5	Photo 6

Contact info:

Kim Thomas

Realty Executives

0449744

856-308-5989

For sale by agent/broker

Equal Opportunity Housing

Posted: Apr 28, 2010, 3:16pm PDT

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

1819 44th St, Pennsauken, NJ

Wed, 28 Apr 2010 20:26:06 -0700

Kim Thomas | Realty Executives | 856-308-5989

1819 44th St, Pennsauken, NJ

Immaculate Home In Pennsauken

3BR/1+1BA Single Family House

offered at $114,999

Year Built	1950
Sq Footage	Unspecified
Bedrooms	3
Bathrooms	1 full, 1 partial
Floors	2
Parking	Unspecified
Lot Size	1,742 sqft
HOA/Maint	$0 per month

DESCRIPTION

Perfect 10! This is what MOVE-IN READY is all about! The homeowner is very meticulous and it shows. Walk in through a lovely sunroom/enclosed porch and you will immediately see the value of this home. Gleaming, well-maintained hardwood floors, beautiful original woodwork moldings and an open Floor Plan greet you. This home is fresh and clean and will make a great start or a great finish if you're buying that 1st home or downsizing! The dining room features beautiful built-ins for extra storage. There's a comfortable basement with a laundry room, game room and a separate bonus room that can be used as an additional den or guest bedroom. Parquet H/W floors greet you at the top of the stairs, a large hall linen closet, large master and freshly painted rooms. Finally there's an over-sized garage with electric, a security system, room for the car and workbench and all your tools. Ask about the 8000 Tax Credit and the Smart Start program. Owner will consider a 1% buy-down of your mortgage.

see additional photos below

PROPERTY FEATURES

- Central A/C	- Basement	- Washer
- Dryer	- Yard

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5

Contact info:

Kim Thomas

Realty Executives

0449744

856-308-5989

For sale by agent/broker

Equal Opportunity Housing

Posted: Apr 28, 2010, 3:35pm PDT

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

2309 Hillcrest Ave, Pennsauken, NJ

Wed, 28 Apr 2010 20:21:57 -0700

Kim Thomas | Realty Executives | 856-308-5989

2309 Hillcrest Ave, Pennsauken, NJ

Need more room & great outdoor entertaining spaces?

3BR/2BA Single Family House

offered at $165,000

Year Built	1970
Sq Footage	Unspecified
Bedrooms	3
Bathrooms	2 full, 0 partial
Floors	Unspecified
Parking	2 Car garage
Lot Size	11,761 sqft
HOA/Maint	$0 per month

DESCRIPTION

Freshly painted, Large home on huge lot! Come tour this home in desirable HILLCREST section. Enter into large enclosed porch/office then move into the private, spacious living areas feat. GLEAMING HARDWOOD FLOORS! Your new family room is on the right and the formal living & dining rooms are on the left. OPEN FLOORPLAN & BONUS ROOMS allow you to interpret the rooms to fit your lifestyle. Thru the freshly painted kitchen is a FABULOUS 3-seasons room that lends itself to entertaining OR a quiet retreat. Enjoy SUMMER on the BIGGEST DECK I've ever seen! Or Play with the little ones in your new HUGE 1/4 acre YARD! All this and a Master Suite with its own bath, fresh paint & new carpet. A TWO-CAR GARAGE waits for you outside plus a Convenient location! Close to all PA Bridges! See your new Move-in ready home today! Seller completing Pennsauken C.O. Come see & Let's Negotiate!

see additional photos below

PROPERTY FEATURES

- Central A/C

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5

Contact info:

Kim Thomas

Realty Executives

0449744

856-308-5989

For sale by agent/broker

Equal Opportunity Housing

Posted: Apr 28, 2010, 3:48pm PDT

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

5429 Terrace Ave, Pennsauken, NJ

Wed, 28 Apr 2010 20:16:47 -0700

Kim Thomas | Realty Executives | 856-308-5989

5429 Terrace Ave, Pennsauken, NJ

Come see this SPACIOUS Bloofield MULTI-LEVEL with room to roam & plenty of potential! PHENOMENAL LOCATION.

4BR/3BA Single Family House

offered at $196,000

Year Built	1958
Sq Footage	1,812
Bedrooms	4
Bathrooms	3 full, 0 partial
Floors	Unspecified
Parking	2
Lot Size	7,405 sqft
HOA/Maint	$0 per month

DESCRIPTION

Just Listed! Come see this SPACIOUS Bloofield MULTI-LEVEL with room to roam & plenty of potential! PHENOMENAL LOCATION. Borders Cherry Hill & is 5 mins from Phila bridges! Features H/W FLOORS throughout(except kitchen & fam room); Newer 5 YR. ROOF w/a 25-YR WARRANTY & REPLACEMENT WINDOWS so no worries there! Large living room & dining room (freshly painted) & HUGE family room. Nice-sized master suite with its own bath!!!There's also a bedroom on the lower level(not the basement level!)with a bath across the hall -so you've got an IN-LAW SUITE or TEEN SUITE if you need it! OVERSIZED 1 car GARAGE w/elec.opener so store your car and your stuff! LARGE DECK, rear concrete patio/porch - (needs some TLC but asking price is lower than the norm for the area). Providing 1 YR Home Warranty & will pay for Pennsauken C.O. All else AS-IS. Handicap accessible and few steps throughout so easy to navigate! SELLER SAYS SELL IT, so Come, See & Let's Make a Deal. Close to Camden Cath'lic HS, Courier-Post & Bloomfield Fire Dept

see additional photos below

PROPERTY FEATURES

- Central A/C	- Basement	- Washer
- Dryer	- Laundry area - inside

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3	Photo 4
Photo 5

Contact info:

Kim Thomas

Realty Executives

0449744

856-308-5989

For sale by agent/broker

Equal Opportunity Housing

Posted: Apr 28, 2010, 3:58pm PDT

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

5541 Jackson Ave, Pennsauken, NJ

Wed, 28 Apr 2010 20:13:05 -0700

Kim Thomas | Realty Executives | 856-308-5989

5541 Jackson Ave, Pennsauken, NJ

Just Listed! Sellers Updated home & then relocated! They added NEW central air; heat, and hot water heater -all 1-2 yrs.

4BR/2+1BA Single Family House

offered at $195,000

Year Built	1936
Sq Footage	1,766
Bedrooms	4
Bathrooms	2 full, 1 partial
Floors	3
Parking	Unspecified
Lot Size	11,325 sqft
HOA/Maint	$0 per month

DESCRIPTION

4 bedrms, all on upper floors; main bedroom with own bath! Another large hall bath on the 2nd floor & 1st floor powder room. HUGE kitchen with sliders to deck! Large living room, large sep. dining room & finished basement family room (needs work may have mold)! Going out back you'll see a large deck and HUGE IN-GROUND POOL with top-quality pool cover. Home needs TLC and price is reflective of that. This SHORT SALE is listed 50k less than seller paid. The garage is large enough to live in! Two-car garage with workshop and an overhead full-height LOFT for gameroom or storage; use however your needs dictate! In great part of town near municipal bldg. Easy access to Cherry Hill & suburbs, & CC Philadelphia. 5 mins to most Philly bridges! Don't miss out on this distressed sale bargain. Equity going in! Major Systems: Heater, AC, H/W heater, Roof,Windows should be still in great shape.

see additional photos below

ADDITIONAL PHOTOS

Photo 1	Photo 2
Photo 3

Contact info:

Kim Thomas

Realty Executives

0449744

856-308-5989

For sale by agent/broker

Equal Opportunity Housing

Posted: Apr 28, 2010, 4:20pm PDT

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

How to Choose a Pennsauken, NJ Realtor?

Fri, 16 Apr 2010 12:41:00 -0700

I received a question last week on a consumer real estate information website, and it hit home that some people are still at a loss as to where to turn to find a good Pennsauken, NJ Realtor. Sometimes, they are not actually asking the right question.

For example, recently a home seller wanted to know who has sold the most homes in Pennsauken. They were looking to have a good sales experience.

Here's my answer to that query, for which I received a "thumbs up" best answer of all the answers given by Realtors who responded. Maybe it will help you in deciding how to choose a Pennsauken Realtor, or a Realtor to sell your home in your town!

Hi Annie,
I certainly understand your trepidation with regard to choosing the right agent. I would suggest however, that the "who has sold the most" approach may not be the best approach. Numbers can be skewed and massaged many different ways to look like something that they're not. Interview at least three agents. Make sure that they present a marketing plan that fits your needs and incorporates all the strategies that are important to you. Determine during the interview if they have a communication style that matches yours, and make sure they have a plan for keeping you informed during the process. Annie, I started my career at the RE/MAX office in Pennsauken and thus have sold countless homes in Pennsauken, and if you search Pennsauken Real Estate agents on google, you'll find me...but I may not be a good fit for YOU. So anyone that tells you they're the right agent just because they've sold a lot of homes or because their agency has sold a lot of homes, I think, is missing the point. It's about the intangibles as much as the end result: integrity, service, rapport, communication, AND results.

It has been my pleasure to respond to your inquiry.

Best wishes in your search for the right agent for you.

Kind Regards,
Kimberly Thomas http://www.NJHomesNearPhilly.com

Web Reference: http://www.njhomesnearphilly.com

If YOU need a Pennsauken or Camden County Realtor, please give me a call! I'm here to help.

See you out there in the real estate landscape!

Kim

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Listing Real Estate In Pennsauken, NJ

Fri, 16 Apr 2010 12:24:52 -0700

Here's a good question from a local real estate participant in Pennsauken, NJ 08109 zip code, but it applies to anyone listing or buying real estate in NJ...

"Concerning the ethical rules of a listing agent... is it legitimate for them to tell a prospective buyer that the seller declined a prior offer?," the homebuyer asked. She went on to say, "Specifically, would it be proper for them to tell that prospective buyer that the seller was offered X but declined so that if they want the property they need to offer higher? This, before anything is even in writing?

Here's my answer for which I received a "Best Answer" thumbs up! Hope you find the information helpful!

BEST ANSWER

Hi Annie,

I'm going to speak about NJ because you are in NJ. In NJ it is NOT ethical for the listing agent to reveal anything to the buyer or buyer's agent without the express permission of the seller. This is an ethics violation. Please read the Consumer Information Statement that your listing agent should have provided you.
So if the seller says to the listing agent. "I know my house is listed at 200k, but I'll take 190k and not a penny less" it is not ethical for the listing agent to divulge that without first asking the seller. If you're a seller, you have very valid reasons for guarding your motivations to sell. Why? The buyer's agent, if they're good, will try to ascertain the reason for selling, share that with the buyer and this may result in a lower offer to the seller. This is one reason I counsel my sellers to leave the home, if possible, during showings -- I caution them that if they must stay, they should not get into any casual conversation with the buyer's agent wherein they might divulge something that will weaken their negotiating position.

Even if my seller tells me, "You can tell them I won't take any offer lower than "x"; I will still counsel my seller that "You may not want me to say that. Why? Because then all they'll offer is "x" when maybe you could've gotten "x+5,000". Take it from me, someone who used to work in the cutthroat world of Manhatten's major-label music industry, It's best not to say anything and just let the negotiations play out and see where they lead. Remember, in negotiations, he who blinks first, or breaks the silence, usually loses -- so why would you want to start off giving the other party ANY information???

I hope that this answers your question!

Best Wishes to you, Annie!
Kim

GOT QUESTIONS ABOUT PENNSAUKEN, NJ REAL ESTATE IN 08109 OR 08110? GIVE ME A CALL! I'M HERE TO HELP!

Kimberly Thomas, Broker-Associate
Realty Executives Brown & Pope
856-308-5989 http://www.kimcanhelp.com

Web Reference: http://www.NJHomesNearPhilly.com

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

LAWS ABOUT THE USE OF CELL PHONES, TEXTING and BROKER LIABILITY.

Thu, 11 Mar 2010 09:18:09 -0800

I thought this blog post by Lenn Harley provided a different perspective on the potential dangers and liabilities of cell phone use while driving. Business owners may be at risk when their employees/independent contractors are talking on the cell phone while driving! Take heed and put a company policy in place. This begs the hackneyed expresssion, dunh, dunh, daaaahhhh: Better safe than sorry!

While you're here - take a minute to take the NO Phone Zone Pledge that my friends at M&C Insurance incuded in their recent newsletter!:

Via Lenn Harley, Homefinders.com, MD & VA Homes and Real Estate:

LAWS ABOUT THE USE OF CELL PHONES, TEXTING and BROKER LIABILITY.

BE RISK AVERSE. Folks who know me know that I am very risk averse. That said, we can't live in a cocoon and we can't eliminate all risk to ourselves or our businesses. We can, however, take affirmative steps to limit liability.

This post inspired by June Lewis who wrote a thoughtful article today on this timely subject.

THE MATTER OF "DISTRACTED RESTRICTIONS" WHEN DRIVING. This subject came to my attention several years ago. Granted, it was prior to the introduction of texting. However, I believe that the risk to real estate brokers when an agent is texting is the same as an agent using a cell phone while on real estate business.

Cooley Godward, a Virginia-based law firm, was slapped with a $30 million wrongful death suit where an employee of theirs was conducting business on her cell phone when she struck and killed a fifteen-year-old boy with her car.

A good article about this matter can be found at Employers Guide to Cell Phone.

When I read about the Gooley Goodward case in Virginia, I contacted my attorney and, after consultation, we decided that, in order to limit broker liability, which would be similar to the law firm liability in the Cooley case, Homefinders.com would implement a BROKER POLICY to the effect that Independent Contractors who were agents of the brokerage would acknowledge receipt of a NOTICE that it was broker policy that agents would not use cell phones while driving.

Agents signed the acknowledgment letter and it was kept in their employee file.

I could not control agents' use of their cell phone while driving. However, implementation of the broker policy served several purposes.

It made agents more aware of the dangers of talking on the cell phone while driving.

It gave some protection to my real estate brokerage and myself as the broker.

WE ARE ALL AN "ACCIDENT ABOUT TO HAPPEN". To this day, I do not talk on my cell while driving. Calls go to my 800# and I check messages regularly. If I make an outgoing call on my cell while in my vehicle, I first pull over to a safe place. That said, I understand well the pressure for agents to be connected while on the road. Agents on my network are usually anxious to answer a call from me because they know it's important. I'm usually calling with a buyer referral. However, I still would not encourage them to answer a call while driving. With a "HANDS FREE" device, voice activated agents may have a margin of safety. However, law enforcement folks claim that simple talking is distracting. I don't have an answer for that, or anything else for that matter. I would just like to raise the awareness of the subject for my ActiveRain friends. When an agent doesn't answer, I assume that they are driving and wait a reasonable time before calling another agent to make the referral.

"Hey, let's be careful out there." Sergeant Phil Esterhaus, Hill Street Blues.

Courtesy, Lenn Harley, Broker, Homefinders.com, 800-711-7988.

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Has Your South Jersey New Home Builder Gone Bankrupt?

Fri, 26 Feb 2010 22:12:45 -0800

I watch for questions on a consumer-focused website and answer those that I find compelling. This question asked today breaks my heart, and unfortunately many folks are finding themselves in the same dire straits as the Mullica Hill home buyers who asked it.

Here's the transcript of their question and my answer. If you have additional feedback, or have experience with this scenario, I'd love to get your input as well.

"We are having a new home built and recently found out that the builder has filed for bankruptcy. We did make a deposit but they have not started building yet. I am very skeptical and want to cancel the contract and get my deposit back. My husband is more optimistic and is williling to work with the situation. Any advice?"

Dear Ca,
I have not had an opportunity to read all of the other responses but here's my two cents:

RUN!!! If you can get the deposit back, get it and immediately cancel the contract. But I doubt they'll return it.

Frankly, if they've already filed for bankruptcy they are not allowed and not required to give you the deposit back as they have to account for all funds and cannot disperse to some creditors but not others; they're not required because bankruptcy gives them protection from their creditors - YOU - until a court-appointed trustee works out a plan. You'd have to file a proof of claim and get in line.

My guess is that they sense your husband's willingness to continue and may be preying on that -sorry I'm a realist and a bit jaded from what I've seen people go through recently with banks and builders in the last couple of years.

My suggestions:
1. File a complaint with the NJ State Attorney General's office to get the help of consumer protection agents. Chadd Lackey, Esq. is a friend, and an attorney there. You can tell him Kim Thomas told you to call and he will help you or point you in the right direction;

2.. Get your own attorney, like YESTERDAY!

3. Start a paper trail. It is very important that you send a demand letter, in writing and by certified mail, to the builder with any demand you may have -- to get your contract canceled, to get your deposit back, etc.

4. Click on the link below in web references to an attorney's answers to others who found themselves in the same situation as you now face.

Standard disclaimer: I am not an attorney and nothing I've said in this response should be interpreted as legal advice. it is general information and you should contact an attorney of your choice as soon as possible.

Thanks for the opportunity to assist you!

Kim

Kimberly Thomas, Broker
Realty Executives, Brown & Pope
1101 Laurel Oak Rd. Ste. 110
Voorhees, NJ 08043 http://www.KimThomasHomes.com
Read my blog at: http://www.ActiveRain.com/voorheesbroker

Web Reference: http://www.wheresbuilder.com/forum/thp-general-discussi...

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Should You Get a 15-Year Mortgage on Your Collingswood Real Estate?

Mon, 22 Feb 2010 21:49:29 -0800

There are a lot of financing options to help you buy Collingswood real estate, if you can meet the credit guidelines.

Most lenders prefer to use 30-year mortgage loans. With a longer loan term, the lender can collect more money in interest over the life of the loan. For those who are credit-worthy, a 15-year mortgage term may be offered. So, what is the difference between the two? Here are a few guidelines:

What About a 30-Year Mortgage?

Thirty-year mortgages are becoming the normal term for Collingswood real estate loans. The payments are usually more affordable and lenders are quick to recommend them. Lenders are more likely to offer you a higher loan amount with a 30-year loan, but the trade off is usually a higher interest rate.

What Are The Benefits Of A 15-Year Mortgage?

Signing up for a 15-year mortgage can save you a lot of money in interest payments. True, your monthly payments will be higher than with a 30-year loan, but the impact on your long-term finances may be worth it.

After just 16 years, you can start investing the money that you're no longer spending on your mortgage into other real estate properties or investment opportunities. You can build your investment portfolio with just the money you would've spent on your monthly mortgage payment.

What about Prepayments?

Even if you do decide to take out a 30-year loan, you can still have some of the same benefits of the 15-year loan. By making prepayments, you can take years off a 30-year loan and still have the freedom of making smaller monthly payments, if you need to. Before finalizing your decision, ask your lender if there are any penalties for making prepayments.

A 15-year mortgage is usually the better financial decision, because you can save thousands of dollars over the life of the loan. The interest on a loan may be halved by choosing a 15-year loan.

No matter how you choose to finance your Collingswood real estate, I can help you find the home that meets your needs and budget.

Call me today at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Visit me on the web: www.KimThomasHomes.com

Follow me: www.twitter.com/kimthomashomes

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

5 Things to Know About Homeowner's Insurance

Wed, 17 Feb 2010 13:39:48 -0800

Tips & Hints From the National Association of Realtors:

1. Know about exclusions to coverage. For example, most insurance policies do not cover flood or earthquake damage as a standard item. These types of coverage must be bought separately.

2. Know about dollar limitations on claims. Even if you are covered for a risk, there may be a limit on how much the insurer will pay. For example, many policies limit the amount paid for stolen jewelry unless items are insured separately.

3. Know the replacement cost. If your home is destroyed you'll receive money to replace it only to the maximum of your coverage, so be sure your insurance is sufficient. This means that if your home is insured for $150,000 and it costs $180,000 to replace it, you'll only receive $150,000.

4. Know the actual cash value. If you chose not to replace your home when it's destroyed, you'll receive replacement cost, less depreciation. This is called actual cash value.

5. Know the liability. Generally your homeowner's insurance covers you for accidents that happen to other people on your property, including medical care, court costs, and awards by the court. However, there is usually an upper limit to the amount of coverage provided. Be sure that it's sufficient if you have significant assets.

www.KimThomasHomes.com 856-308-5989

For more information on homeowner' s insurance, check out my good friends at M&C Insurance Agency, Inc. They're licensed in NJ,PA & DE and are eager to help! www.MandCinsurance.com 856-486-0077

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Job-loss Mortgage Insurance: A Second Chance at Pennsauken Homes for Sale?

Sun, 24 Jan 2010 23:31:31 -0800

Even those with a steady job and sufficient income are cautious about purchasing one of the Pennsauken homes for sale. They realize that signing mortgages set them up with payments for a significant amount of their lifetimes. Others worry, especially now, about losing their jobs in an unstable economy. The "what if" game begins, and potential homebuyers know that, if they lose their job, there's a very real possibility they might lose their home.

Job-loss mortgage insurance gives homebuyers a "fallback plan" should they ever lose that stable income. It's a definite relief to many who want to buy Pennsauken homes for sale, but can job-loss mortgage insurance really help homeowners? Or, is it just another way to swindle the innocent out of hard-earned money?

What is it?

Job-loss mortgage insurance is exactly what it sounds like. Some insurance companies offer an insurance plan to help you pay your monthly mortgage payment should you lose your job. Although it's been around for years, the big insurance companies, such as Bank of America and GE Casualty, have begun picking it up in the past 10 years,.

How does it work?

Job-loss policies pay all or part of your mortgage payment if your job loss is involuntary, and some pay if you become medically unable to work. Policies vary depending on the provider, but most go into action after a month of unemployment. Most also have a wait period which means they won't pay out during the first six months after you've purchased the policy.

Maximum monthly benefits, what the policy covers and whether you have to be receiving unemployment benefits are just a few things to look over while researching providers. As usual with anything insurance, make sure you read the fine print.

Is it worth it?

A lot of financial advisors say not to bother with the job-loss mortgage insurance. Take the money you'd be spending on insurance and build a savings account to hold six months worth of payments. However, many first-time home buyers have depleted their reserve funds just to get the house, and may not have the money to put aside.

My advice to you...

If you're interested in buying one of the Pennsauken homes for sale, but you're worried about your job stability, look into job-loss mortgage insurance. Once you have the facts, policy information and coverage costs, figure it into your finances (payments for coverage vs. building a six-month fallback account) and decide what's best for you.

If you're looking for a beautiful Pennsauken or other south Jersey home at a price you can afford, I can help.

Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Buying One of the Pennsauken Homes for Sale? Don’t Forget Your…

Wed, 06 Jan 2010 11:58:50 -0800

Last year might not have brought on the hottest market for sellers, but it was, and 2010 will continue to be, an excellent market for buyers. If you're taking advantage and buying one of the Pennsauken homes for sale, it means you'll be moving soon. It also means that, if you're like me, you'll probably forget something you really need in the new house - after it's too late.

Don't Forget Your...

There are at least five items commonly forgotten when moving:

1. Personal Phonebook - Make sure you pack up any personal numbers, phonebooks or notepads you might have written needed numbers on. If you have time, transfer them to your computer. Even if you call the numbers a lot, there is still a chance you'll forget them.

2. Neat and Tidy - Too often, people will be giving their old home a final once-over and find a spot that needs to be cleaned. Realizing they have packed the cleaning equipment, they rush out to buy new cleaners. Instead, have your cleaning supplies set aside as one of the last things to go - just in case.

3. Records - No, not the vinyl ones. If the Pennsauken home for sale is in another neighborhood, you'll have to get your medical records, veterinarian records for your pet and your child's permanent school record. Copies usually aren't allowed, so make sure you have the real deal!

4. Your Address - As silly as it may seem, it's easy to forget your new address. Write it down and put it in your wallet or purse for easy reference.

5. Hidden Valuables - Did you remember that roll of bills you hid in the attic, or the necklace in the bathroom? Before leaving, collect all your valuables and put them in a safe deposit box.

If you're looking to buy one of the Pennsauken homes for sale, I can help. Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

The Laws are Changing for South Jersey Real Estate

Thu, 31 Dec 2009 16:44:50 -0800

Not just South Jersey real estate, either. Since the end of 2007, as the real estate market started to decline, new rules, regulations, mandates and more have come down the pipeline.

State Specific Laws

Take Michigan, for instance. Ranking sixth in the nation on the number of foreclosures, Michigan legislature enacted the "Lifeline Law." This law gives an extra 90 days for homeowners to work with banks to come up with solutions other than foreclosure. California did the same, with the California Foreclosure Prevention Act. In New York, judicial hearings are mandatory for both borrowers and lenders before foreclosure can go through.

Nationwide Laws

Other laws have been enacted throughout the United States, such as Congress lowering homeowners' tax deductions.

Before 2009, if you used your South Jersey real estate as a primary residence for at least two years out of the last five, you could keep up to $500,000 (married couples - $250,000 if single) in real estate gains on your tax return. That exemption is now pro-rated to the time you spent in the house, which could be quite substantially less than what your tax exemption would have been last year.

As well, new appraisal rules went into effect May 1,and, although they aren't government rules, they do affect Fannie Mae and Freddie Mac loans. With the Home Valuation Code of Conduct (HVCC) put into place, every lender that goes through Freddie or Fannie has to follow the HVCC to the letter. The HVCC stops mortgage brokers from having home appraisals done themselves. Instead, the home appraisals must be done by a third party appraisal management company in the same area as the home.

Laws that Affect You

Other laws have been put into place that may (or may not) affect the South Jersey real estate you own or are looking to buy. However, with so many coming down the line, make sure that you ask your real estate agent what laws have been put into place that may affect your purchase, sales or ownership.

If you're looking to buy or sell real estate and need a professional who keeps up to date on the real estate laws, I can help. Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

3 Reasons to Have Your Mullica Hill Home Built With Sustainable Design

Wed, 30 Dec 2009 18:23:04 -0800

Some potential homeowners just don't want a pre-lived in Mullica Hill home. They'd rather have their house built to their own specifications. They want a home that fits their needs exactly. If this is you, I understand and would like to help by giving you a glimpse into the future of home design.

The Future of Design

Thinking of the future might bring ideas of fantastic scientific miracles like smart houses that vacuum themselves. While building your Mullica Hill home and having it wired as a smart home may be a good idea, think, also, about sustainable design. Here are just a few reasons why sustainable design is a great idea:

Government mandates and incentives - Under the current administration, sustainable design is a big thing. In fact, many cities are passing mandates and offering incentives that encourage green building. In places such as Austin, Houston, Seattle and Portland, sustainable design is no longer a trend; it's standard practice. Before having your home built, check into the homeowners' incentives for green building.

Cost of sustainable design - While sustainable design may be a little more costly than standard home building, don't just assume that it is. Check with green building contractors as well as standard contractors and compare pricing. Also, keep in mind that the cost of the design is well repaid down the line. As well, remember that it may be easier and cheaper to build a sustainable home, rather than remodel one to be green later.

Resale value - Although you may not ever want to move from your home once it's built, you never know what will happen in the future. A sustainable design can up the resale value of the home by as much as 15%.

Between the government incentives, the cost savings and the resale value, your Mullica Hill home and sustainable design may end up being the best investment you ever made!

If you're looking for a green home or a contractor to build one, I can help. Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Protect Your Potential Foreclosures in South Jersey from Loan Modification Scams

Sat, 12 Dec 2009 10:42:47 -0800

Many facing the possibility of being added to the number of foreclosures in South Jersey are frightened, often frustrated and feel helpless. It's understandable; nobody wants to lose their home. However, those feelings often lead to being victimized by loan modification con artists who promise freedom from foreclosure for a little bit of money and leave victims in their wake.

Here are a few tips to protect yourself from scams that could take you one step closer to becoming one of the foreclosures in South Jersey.:

Never believe a guarantee. No one, company or individual, can guarantee loan modification or that your lender won't foreclose. If the loan modification company starts spouting guarantees, walk away.

Never sign over power of attorney. Sometimes, con artists will tell you that if you sign over your house to them, their good credit can help save your home. This is never a legitimate proposal and no legitimate company will ask you to do this.

Never spend thousands of dollars. Fees higher than $6,000 should be dismissed. Often, scam companies will charge absurdly high upfront fees to help. While some counselors will charge you a fee, those costs are added up after the loan closes, NOT before they even do anything. As well, any company charging over $4,000 needs to have a proven high quality of service and level of success.

Always talk to your lender first. Many loan modification scam artists will tell you to stop communicating with your lender. Communication is key, however, since your lender owns the note and will, ultimately, approve or deny the modification. Talk to your lender to find out how to refinance or restructure your payment.

Always check with the Better Business Bureau before hiring a "rescue" company. You can check with the Attorney General or Real Estate Commission as well.

Always look for free services first. Many foreclosure specialists can help, and will do so free of charge if you can't afford them. As well, the U.S. Department of Housing and Urban Development (HUD) has approved housing counseling that will provide foreclosure prevention services, also free of charge.

When you're already faced with the possibility of being one of the foreclosures in South Jersey you need help - not someone who will push you further across the line. Be careful when looking for loan modification help.

If your loan modification has been denied and you need to do a short sale instead, I can help. Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Waiting for Prices to Plummet on South Jersey Homes for Sale May Be a Mistake

Tue, 08 Dec 2009 13:20:16 -0800

If you're looking at South Jersey Homes for sale, you want to buy a home and are waiting around for better prices, you might want to rethink your strategy.

If you're a market watcher, soaking up the information overload across news media and Internet websites, you're probably overwhelmed with confusion by now. Is the housing market getting better? Is it getting worse? Was there really, when it gets down to it, a housing bubble collapse? And, if so, who popped it?

First, the quick answers. Yes, there was a bubble and it collapsed, and everybody had a hand in popping it: the government, the lenders, the investors and the general public. Now the hard answers: it's getting better - and worse.

The truth is that market predictors are all on the fence. With the ARRA (American Recovery and Reinvestment Act) giving first time homeowners some incentive to buy South Jersey homes for sale and elsewhere, there has been a steady increase of sales. However, once the tax credit deadline hits at the end of this month, the numbers are once again expected to drop.

Again, though, it's better and worse. While the housing market is still dropping in some areas, such as the southeast in Mississippi, Alabama and so forth, there are definitely some strong markets in the country.

For instance, Boulder, Colorado holds 60% of the share of increasing home values. The average value is about $350,000, but there's a limit in place on the amount of homes allowed in the area. In Binghamton, New York, the average value of a home is around $112,000. They also have a housing limit, which means a small supply, so prices probably aren't going to plummet.

Just because this is a buyer's market, doesn't mean you'll get the exact price you're looking for. If you want to buy a home and you're waiting around for the prices of homes to plummet into a "sweet deal," make sure you don't wait yourself into an expensive mistake.

Instead of checking market forecasts, potential homebuyers need to look at things the way we always should have. Do I want to buy a house? Can I afford one of the South Jersey homes for sale the way things are now? By researching, crunching numbers and answering the important questions, you'll find the sweetest deal you could ever have: a wonderful house you can afford.

If you're looking for a South Jersey home for sale, a place to call your own, I can help.

Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Face Those Buying Fears on Homes for Sale in South Jersey

Wed, 02 Dec 2009 19:33:44 -0800

Halloween is over, but if you're looking at the homes for sale in South Jersey, it's probably the first-time buyer fears that have your knees shaking. Hey, buying a house seems like such a final thing, so that's understandable. It could be the biggest change in your life - EVER!

Now that I've thrown some scary thoughts your way, let's take a turn at facing those first-time buyer fears.

Am I crazy? No, you're a first-time buyer. You may alternate between periods of paranoia, confidence, nervousness and calm, but you aren't crazy to want to buy one of the homes for sale in South Jersey

Is this really the right time to buy a house? The best way to answer this question is with a few questions. Do you have good credit? Do you have a decent job? If the answers to these questions are "yes," then there's never a bad time to buy the right house. Especially now, with tons of inventory, record low interest rates and the $8000 tax credit.

What if I don't pick the right neighborhood? What if I buy, move in, hate it, and then can't turn around and sell the house? An understandable fear; one of the most common horror stories is moving into the perfect house, right next to the neighbor from the Black Lagoon. This is why it's imperative to do your research (or, at the very least, tell your real estate agent exactly what kind of neighborhood you want). With the Internet, you can find out everything from the Crime Rate of an area to the quality of the schools.

What if I lose my job? I won't say that's not a possibility. However, keep in mind that you have the same question when you're renting. The difference is that if you can't pay the rent, you can be evicted within days, depending on where you currently live. While some lenders may do the same, most lenders don't want to foreclose and are willing to work with you to keep you in the home and making your payments. In addition, many are willing to wait for at least two months of nonpayment before starting the foreclosure process.

If you've been a renter all your life and are looking at the homes for sale in South Jersey, take a deep breath. Yes, it's scary and yes, the worries can give you worse nightmares than the freakiest horror movie you've ever experienced. However, remember what made you decide to start looking in the first place. If those reasons still exist, go for it!

If you're looking for that perfect, affordable home, I can make the whole process less scary and fear free. Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Spruce Up Time! Thanksgiving Season, and Pennsauken Real Estate Agents

Fri, 27 Nov 2009 22:01:09 -0800

Pennsauken real estate agents get a chance to see more of the city and surrounding areas than most of the people who live here. It's a beautiful place to live, and I'm glad to be a part of it. As Thanksgiving time is upon us, and the leaves change color and fall, I get to see a whole other side of this place - which has given me the inspiration for another blog:

Spruce Up Your Home for Fall!

Most, and probably all, Pennsauken real estate agents will tell you that good curb appeal can make a sale. What they may not realize is that using the seasons can help just as much. Truth be told, it didn't click with me until earlier this week, when I realized Thanksgiving was just around the corner and started thinking about the past.

This time of year always brings a nostalgic touch to the air for me, and many potential homebuyers feel the same way. The holidays have people thinking about hearth and home, family and friends. How can you use the season to sell your house?

Raking - Although many homeowners rake their yard, if your home is up for sale and sitting empty, you may not think about it. Yes, a colorful blanket of leaves on the ground can be beautiful, but to homebuyers it may come across as a lack of care on your part. If you don't care about the home, why should they? If the home is empty, make sure to drop by and see if the leaves are piling up.

Redecorating - Most homeowners won't take the time to decorate a home they're selling, unless they're still living in it. However, a little fall décor here and there can help bring out that nostalgic feeling in homebuyers. The key is to decorate just enough, and not so much that the homebuyers can't see their own tastes.

Lastly, talk to me, a Pennsauken real estate agent, to get other ideas of what you can do to get your home sold. I've sold a house or two and love sharing our knowledge.

Happy Thanksgiving to you and yours!

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Pennsauken Home for Sale? 6 Tips for Selling Now

Wed, 25 Nov 2009 09:23:19 -0800

If your Pennsauken home for sale isn't selling, you're probably wondering if you're missing something. Well, here's a list of things you might not know that could make all the difference:

If the location of your Pennsauken home for sale isn't great, the price and terms are the only thing that will sell it. Make them outstanding!

Attractive, competitive terms may help you get a higher price. For instance, if you're allowing the option of owner financing, and also allow a smaller down payment (say, $20,000 - $30,000), you may be able to sell your house for a higher overall amount.

Because of the current high competition, your home has to be in the best condition at a competitive price. Check out the competition, accept that yours might need work, and get to it.

You can't set a limit for home improvement. If your Pennsauken home needs something done to beat the competition and you can do it, do it! You aren't just spending money; you're investing in the sale of your home. Although you may not get all your money back, you just might get a quick sale at full value.

Staging - you've heard of it; tons of agents are talking about it. If you want to get your house sold, either invest in staging services or do your homework and stage the home yourself. It's all about presentation.

Remember that you are no longer the host/hostess of the house. You are a business person, and your business is getting that house sold. Don't let your emotions get in the way of a solid business deal.

Putting up your Pennsauken home for sale is a daunting prospect. If it's been up for a while, it can be an exercise in frustration. However, keep the above points in mind, listen to the experts and put what you learn to work for you.

If you'd like to get your home sold, I can help. Call me at 856-308-5989 or

email me at kim@kimcanhelp.com for more information. www.NJHomesNearPhilly.com

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

FSBO Tips for Selling Your Mullica Hill Home

Tue, 24 Nov 2009 20:30:05 -0800

Selling a home is complicated and full of legal issues that anyone considering selling "by owner" needs to be aware of. However, two of the most important things you need to know in order to be successful as a FSBO (for sale by owner) home seller have nothing to do with legal issues.

Maximize Exposure

It takes more than just sticking a "for sale" sign in the front yard to get the right people to see your home. It is very unlikely that you will sell your Mullica Hill home to a neighbor, or anyone in the neighborhood just driving by. It can happen, but that group is very limited. For sale signs help, but they don't usually sell the home on their own.

It's important to advertise in as many places and as many ways as possible including on the internet, in homes magazines and in the local MLS (Multiple Listing Service).

Know Your Buyer

The next thing that is complicated for an individual selling their own Mullica Hill home is knowing which buyers are looking in earnest, which are just being nosey, and which have the ability to actually make good on an offer.

Along with exposure this is one of the biggest reasons FSBO sellers often end up turning to a good real estate agent. They have the ability to make sure buyers who come to view your home are ready, willing and most of all able to make a purchase.

If you would like more tips on selling your home "by owner," subscribe to this blog. It's free, fast and easy.

www.south-jersey-real-estate-blog.com

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Helping Families Save Their South Jersey Homes

Sat, 21 Nov 2009 18:41:06 -0800

By now, everyone knows that, just like the Dot Com bubble, the real estate market grew its own bubble to a degree that it finally popped. Foreclosure numbers went up, sales went down and everyone, from the government to lenders to John Q public, started looking around for someone they could point a finger at and blame.

The hard truth is that placing blame doesn't do anyone any good, especially those trying to save their South Jersey homes. The truth is that it's time to do what Americans have been doing since the country was founded - picking ourselves up off the ground, dusting off and working with what we still have. Thanks to new acts such as the "Helping Families Save Their Homes Act of 2009," it's even more possible to do that.

If you've been dealing with the possibility of foreclosure, you may have missed the news, so here are a few uplifting highlights that can make all the difference:

If you rent your South Jersey home and the home is foreclosed upon, you have to receive a 90-day eviction notice. You can't just be preemptively kicked off the property. As well, if you have a lease you have to be allowed to live on the property until the lease is up unless:

•a) the new owner wants to move in and make it his or her residence or

•b) state law says the lease can be terminated on notice.

Although three months doesn't seem like a lot of time, that's three months you wouldn't have had in most states before the Act was passed.

Lenders and homeowners are now receiving incentives for successful loan modifications and refinancing under the Making Homes Affordable Program. According to the White House government website, "Servicers covering more than 75 percent of loans in the country have now begun modifications and refinancing under the Administration's MHA Program."

One of the biggest challenges to homeowners is finding out who owns the mortgages on their homes. This can make it incredibly difficult to discuss refinancing or modification with the mortgage owner. Thanks to the Act, you have to be informed whenever your loan is sold or transferred to another party. Now, you always know who has control of your mortgage and who you need to talk to.

Dealing in the current real estate market can be hard. If you're already struggling financially, it can be even harder. Try to keep abreast of the current laws that can help homeowners and families keep their South Jersey homes!

If you can't qualify for loan modification or refinancing, and are considering a short sale, I can help. I have a certification in Short Sales & Foreclosure Resources. Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

www.KimCanHelp.com www.NJHomesNearPhilly.com

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Explore the Benefits of Hiring a Full-Time South Jersey Real Estate Agent

Fri, 20 Nov 2009 17:33:06 -0800

Buying or selling a home has a major impact on many people's lives. So it's important not to leave the task to just anyone.

Take advantage of all the benefits that come with working with a full-time South Jersey real estate agent. Since selling or buying a home can be a full-time job, it just makes sense to work with an agent that has a full-time commitment.

A full-time real estate agent can offer:

• Lots of experience - If your agent lives and breathes real estate around the clock, then he or she is better equipped to handle the many surprises that come with buying or selling a home.

• Peace of mind - You could be a first-time home buyer or seller. A full-time South Jersey real estate agent has the knowledge to lead you through every step, saving you time, money and stress.

• Availability - Since your agent works full time, she is available to you when you have questions, concerns or need her for any reason.

• In-depth market knowledge - The real estate market is changing faster than ever. In order to be a successful buyer or seller, you need to be kept up to date. A full-time real estate agent stays current with what's happening each and every day.

Whatever your home-buying or home-selling goals, it's smart to have an experienced, full-time South Jersey real estate agent working for you. You'll save yourself headaches, heartache and from making home buying mistakes.

Are you ready to work with a full-time South Jersey real estate agent? Give me a call today at 856-308-5989 or email me at kim@kimcanhelp.com

LINKS: www.KimThomasHomes.com; www.KimCanHelp.com

First-time buyer

http://www.lendingtree.com/smartborrower/first-time-home-buyers/

Real estate agent

http://www.wisegeek.com/what-does-a-real-estate-agent-do.htm

home buying mistakes

http://www.lendingtree.com/real-estate/advice/buying-a-home/common-home-buying-mistakes/

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

Cheating On Your Agent

Thu, 19 Nov 2009 10:34:45 -0800

Buyers: Guess what? You too have some responsibilities in the homebuying process.

The Buyer's Agent who is dedicating their time, knowledge, loyalty and expertise to you and your good outcome, can't afford to work for free. They have families to care for, and need to put gas in and maintain the car that is going to all of the showings that you will want to have. So, reward them with loyalty! That's all they ask.

Read further for more details on how to have a great relationship with your Buyer's Agent. You will reap the rewards in the end when they get you to that well-priced, home that's perfect for you!

And Remember, any listing agent that shows you a home when you've told them that you have a Buyer's agent is acting unethically. Do you want to work with an unethical person? Their loyalty MUST, contractually, be to the seller. That's the "Law of Agency" in NJ. So they cannot legally represent your best interest in that transaction because their first loyalty must go to the seller who employs them! Anything you tell them about your motivation for buying, what you will pay, what you will give up to get the house -THEY MUST SHARE THAT INFORMATION WITH THE SELLER!

So, where does that leave you in this scenario? Vulnerable! That's why you should always have your own agent and never work with the listing agent in buying a home. If they tell you they can get you a better deal if you go with them -they are breaking the law. It is not true.

You will get a worse deal going with them because they must tell the seller everything they learn about you -so how do you think that will impact your ability to negotiate a better deal??? Caveat Emptor (or, in English); let the buyer beware!

If you're looking for a great Buyer's Agent, I can help! Call me at 856-308-5989 or email me at kim@kimcanhelp.com Visit my websites: www.KimThomasHomes.com www.KimCanHelp.com and

www.NJHomesNearPhilly.com

Via Kristina Pratt, REALTOR® - GoshenRealtyGroup.com (St. Louis' Illinois Suburbs - RE/MAX Preferred Partners):

Everything was perfect. I had a first time buyer that was pre-approved and motivated to find their dream home. We spent countless hours together. He relied on my expertise and market knowledge, and I happily showed him house after house. We met for consultations.

Then we wrote two offers together. One finally got accepted, but the whole house inspection turned up sour, so we began the process over again. I thought everything was going great. Until the phone call...

John: "Hi, Kristina? This is John Doe. Did I sign anything with you saying I had to buy a house through you?"

Me : <stunned silence> "Umm, well not specifically. Why?"

John: "Well, I knew you had family obligations today so I was driving around on my own. I drove past one of the houses you e-mailed me, and I really really liked it. So, I called the agent on the sign. She came out right away and showed it to me. And you know, what? She told me I could actually get a better deal if I bought directly from her. We went straight to her office and wrote an offer and guess what? It got accepted by the sellers! Isn't that awesome? I just wanted to tell you thanks for all your hard work. I'll send you a Christmas present."

<click>

I felt like the wife that just found out her husband cheated on her. Did the buyer know any better? Probably not. He wasn't trying to keep me from getting a paycheck. He simply didn't know - because I didn't tell him any different. He thought I would be sincerely excited that he got the house he wanted. Did the agent know better? Probably, or he wouldn't have asked me if he had signed anything.

This was back in 2005, when I first got my license. Since then, I've found that I have to be the one to educate my buyers. Although I've still had a few buyers get cold feet, their financing falls apart, or they just flat out change their minds - I rarely have a buyer call the agent on the sign.

So how do you keep your buyer from straying? It's simple - just educate them about the process. If you don't focus on building a relationship with your buyer and explaining to them that they have responsibilties in the process too, who will? The answer is either no one or another agent. Remember, most buyers (especially first time buyers) don't know the inner workings of real estate. These are the five key points I tell all of my buyers.

1. Don't call the agent on the sign. I will do everything in my power to be available during the times that you need appointments, but I'll need some notice. If I can't show you homes at that time, my partner can.

2. I'm your advocate. I'm looking out for your best interests, and I want to get you the best deal. I'm on your side in this process and we are a team.

3. I don't get paid a salary, or per house I show. I only get paid when you buy a house.

4. I'm making a commitment to you to share my time, expertise and market knowledge. I need you to make a commitment to me that I am your agent. (After a few showings or when it's time to write the first offer, this is when I bring out the buyer's agency agreement.)

5. If we work together, we can have a successful outcome.

The key point is this - Never forget that although we do this every day, not everyone does. It may seem simple to us, but to others it's not. Help your buyers understand how the process works - it's not just for your benefit, but for theirs.

About the Author: Kristina Pratt is a REALTOR® with Goshen Realty Group at RE/MAX Preferred Partners in Edwardsville, Illinois. She and Nancy Milton help their customers buy and sell homes and investment properties in St. Louis' Illinois suburbs of Madison and St. Clair counties with special emphasis on the communities of Edwardsville, Glen Carbon, Maryville, Collinsville and Troy. For more information, visit their web site at http://www.GoshenRealtyGroup.com or e-mail Kristina@GoshenRealtyGroup.com

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com

South Jersey Home Care – 3 Fall Maintenance Projects

Thu, 19 Nov 2009 10:17:57 -0800

The last vestiges of summer have faded away, the leaves are turning into a brilliant array of color and the temperatures are dropping. All this glorious change means the holidays are coming, but it also means it's time, once again, to look over your South Jersey home.

With temperatures dropping and leaves falling, there are plenty of things to add to your "to do" list. Just in case your list is empty, here are a few "to do's" to get you started on your fall South Jersey home care:

Sealing Your Driveway - If you have a blacktop driveway, you probably already know it isn't going to be smooth forever. The asphalt cracks, the color fades and the asphalt sags to create potholes. As winter rolls around and snow begins to fall, you'll probably be putting down salt, which will further break down your driveway. Sealing it now, either by hiring a company to do it or sealing it yourself, can help keep your driveway smooth and beautiful.

Winterizing Your Sprinklers - Sprinkler systems do wonders in keeping your lawn green. However, leaving water in the system over the winter can cause a big, expensive mess, especially if the pipes aren't buried below frost level. If you don't feel comfortable winterizing the sprinkler system yourself, you can hire a professional for under $500.

Cleaning Gutters and Roofs - Everybody knows that fall brings leaves that fill your gutters and cover your roof. If you haven't been on the roof of your house lately, now's the time to do it. You want to make sure all the debris is gone before the snow hits, so the strength of your roof isn't tested further. For that matter, now is a great time to install gutter guards; you'll never have to clean your gutters again!

Preparing your South Jersey home for the winter can be a tedious process, but the money you'll save with proper maintenance will put a smile on your face.

If you're looking for a home to call your own, I can help. Call me at 856-308-5989 or email me at kim@kimcanhelp.com for more information.

Links: www.KimCanHelp.com www.KimThomasHomes.com

Sealing it yourself

http://www.lowes.com/lowes/lkn?action=howTo&p=LawnGarden/SealDvWay.html#term

Winterizing the sprinkler system

http://www.housekeepingchannel.com/a_603-Tips_for_Winterizing_Your_Sprinkler_System

Gutter guards

http://www.askthebuilder.com/Gutter_Guard_Test_Results.shtml

Kimberly Thomas, Broker-Salesperson

856-308-5989; www.KimThomasHomes.com

email: kim@kimcanhelp.com