December 2013 Real Estate Newsletter presented by Jeana Cowie of RE/MAX Real Estate Limited

Real Estate Agent with RE/MAX Real Estate Limited


December 2013 Real Estate Newsletter presented by Jeana Cowie of RE/MAX Real Estate Limited



Call Jeana Cowie, your Bergen County REALTOR© C# 201-982-2200
Jeana Cowie, ABR, CRS, GRI, SRES
December 2013
Over 600+ Homes SOLD. Paramus Real Estate Agent Specialist. Selling Bergen County Real Estate for 20+ years.
Call Jeana Cowie today at cell 201-982-2200

Copyright © 2013 Realty Times
All Rights Reserved.

Benefits Of House-Hunting During The Holiday Season
  When you're writing out the holiday shopping list, maybe it's time to put you on it and a home as the gift. If you've been considering buying a home, here are a few reasons why shopping for one during the holiday season can benefit you.
      Yes, it may involve you really prioritizing your time; the holiday season is a busy time. But if you can make time to house-hunt and you have already been pre-approved so you know how much home you can afford, then this could be a very good experience. And it may lead you to a new home in time for Christmas!
Mortgage Rates
U.S. averages as of November 21, 2013:

30 yr. fixed:   4.22%
15 yr. fixed:   3.27%
1 yr. adj:        2.61%

View current rates

      Like many businesses, the holiday season can cause things to slow way down. That's often the case for real estate. However, that doesn't mean you won't find eager sellers hoping you'll

Wondering What Your Bergen County Home Is Worth in Today's Market?

Call me for a free, no obligation market analysis 201-982-2200. Thinking of buying a Bergen County home? Call or email me today Email:

The Benefits of Credit Repair
     Why should you Consider Credit Repair? Discover the Basic Reasons!
      Do you look at your credit report and think about nothing but credit repair? If yes, then perhaps it's high time to get your credit repair process started. Anyone with poor credit scores will definitely know what a low credit score can cost you. Wonder how severe the consequences are?
      Well, high interest rates can seriously damage your finances, period. Imagine the payments you would have to make if your interest rate increases from 5% to 15%. All in all, your poor credit score can make you pay thousands of dollars additionally per year. This is the primary reason why it is critical to look at your credit report and repair your credit score. After all, it will not only lower your interest rate, but will also help you get loans.
Credit Repair - Is it Really Helpful?
      When it comes to credit scores, a single mistake can cause you serious trouble. A recent research suggests that almost 79 percent of all Americans have some type of inaccuracy, miscalculations, and negative accounts in their credit reports. A majority of these errors can hurt their credit scores badly. In these situations, credit repair is the ultimate option they can get to bring their

How to Buy In A Seller's Market
     Prices are rising and perhaps there are fewer homes for sale where you want to live. What can you do to put the odds in your favor?
      First, get preapproved by a lender. That means sharing your financial information, going online and playing with a mortgage calculator. Give the lender the documentation they need, such as salary stubs, revolving credit obligations, and bank statements.
      You'll know for certain how much you can afford, how much you need to put down to qualify and what your interest rate will be.
      Make your must-have and wish list realistic, beginning with price. Be prepared for compromises - a bigger home vs a longer commute, or a smaller home in a preferred school district.
      Shop for homes with your real estate professional. He knows the market and will give you preferential treatment if you sign a buyer's representation agreement. The agent can tap into a vast network of contacts to get the right home for you - especially homes coming onto the market before others get the chance to view them.
      In a seller's market, homes sell quickly, so the homes you find online or by driving the neighborhood may already be under contract or sold before you even get the chance to see them.
      Homes in the best condition will sell for top dollar. Consider homes in need of cosmetic updates or repairs.
      The average home purchased in 2013

Thinking of selling?

Call Jeana today for a free market analysis cell 201-982-2200

Home Move In-Tips

     Congratulations, you've bought your home and it's move-in time. Wait! Before you move in, read on to get some practical and important tips.
      Change the locks: You've closed escrow and the keys to your new home are yours.
      The first thing you should do is change the locks. It's hard to say who may have access to your home. Anyone from real estate agents to the sellers or maintenance people: all could still have a set of keys to your home. Be safe and change the locks first thing.
      If the home doesn't have deadbolts on the doors, install them. If the door has glass on it, be sure you install a deadbolt that uses a key to unlock from both sides.

Daily News and Advice

Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.

More Articles

November Round Up: Fixed Mortgage Rates Decline
Which Housing Style Is Right For You?
Five Questions To Answer Before You Refinance Your Home
How To Live Like Kim and Kanye - On A Real Person's Budget

Jeana Cowie, ABR, CRS, GRI, SRES, Broker Associate/REALTOR©
201-982-2200 (cell)
RE/MAX Real Estate Limited
201-599-1100 x 348
297 Kinderkamack Rd
Oradell, NJ 07649

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Jeana Cowie, ABR, CRS, GRI, SRES©
Broker Associate, Real Estate Agent 
RE/MAX Real Estate Limited
Oradell, NJ 07649 (in Bergen County, NJ)   

Jeana Cowie is a Top RE/MAX Bergen County REALTOR©                            

Over 800+ homes SOLD!! 23 Years of Full Time Bergen County Real Estate Sales Experience

Specializing in Paramus real estate (over 300+ homes SOLD in Paramus alone) handling all of your Bergen County real estate needs, from Allendale to Wyckoff

Top 1% of all RE/MAX agents in NJ

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A. J. Zaki
REMAX Realty Pros - Boca Raton, FL
Home Finder In Florida

Thank you for sharing, Very good snapshot of the RE market in Bergen County.

Dec 04, 2013 07:06 AM #1
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