Reverse Mortgages

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Home Refinance in Gloucester County, NJ

Home Refinance in Gloucester County, NJ

Turtle RefinanceHave you been thinking about refinancing your home? With all of the negative housing industry news lately, it is easy to forget about lowering your housing bills with a refinance. Rates are currently very low and there is a large percentage of home owners who can benefit from a refinance.

Does your math line-up?

You can refinance to save money every month. You can also refinance to change the loan terms. Typically when home owners change loan terms, it is from a 30 to 15 year loan. The reality is that I've met many home owners who's "math" doesn't line up.  For example, I may ask them when they plan to retire. They answer, "in 10 years", but the facts are that their mortgage will last for the next 30 years, and they can't afford to comfortably make the mortgage payments on their "retired income" (in 10 years).

As the saying goes, "You don't know unless you ask!" Should you refinance now? Maybe. The best plan is to talk to someone with access to mortgage rates and options, that can give you sound advice. Talk to a knowledgeable loan officer today. The worst he/she can say is, "Now is not a good time". Conversely they may help you save money, time, and help you properly plan for retirement.

If you would like to talk to a local mortgage loan officer, feel free to call and I'll do my best to point you in the right direction for your personal needs.

 

Steve Kappre is a mortgage loan officer in New Jersey. Steve is married with 3 children, has lived in South Jersey his whole life and has 10 years experience as a mortgage loan officer. For more info or questions feel free to contact Steve.

  • NJ First Time Home Buyer
  • Purchase, refinance, rehab loans
  • Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more

Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

Why Your Listing Agent Should Be A Blogger

Great info when considering a listing agent to sell your home. There is no reason these days that a seller's home should not show up on Google BY ITSELF (aside from Real estate centered websites). I'm not saying it should stay #1 on Google for weeks. But it should be found outside of the MLS and other real estate websites. When interviewing agents to sell your home, ASK QUESTIONS such as "do you blog, and can YOU SHOW ME SOME EXAMPLES ... ?" It is your home - as a seller be tough on agents during the interviewing process and you won't have to be tough during the entire selling timeframe!!

Via Andrea Kappre, New Jersey Realtor | New Jersey MLS | Homes for Sale in NJ (Century 21 Hughes-Riggs Real Estate Company):

Why Your Listing Agent Should Be A Blogger

Question: What do most people do these days when they want more information?Google it
Answer: They GOOGLE IT!
And your home and its "findability" on the Internet is no different.
 

Over 80% of home buyers start their home search on the internet.  Therefore to list your home for sale with a Realtor who is NOT all over the Internet and, most importantly, blogging, is like plucking dozens of eyeballs out! Ok, that sounds silly. But eyes are what you need. As a seller, VIEWS (virtual or literal) are what you need.

Typical Scenario

What might home buyers type in when they are searching? Well any good Realtor will know that they can use tools created by Google to find the most common search terms, such as: Homes for sale in (Your Town), First time home buyer in (Your County), Homes for Sale on Main Street, (Your Town), Information about Amherst Farms (or any other development) ... and so on.

Therefore it is important that your Realtor, your neighborhood, your town, and your home for sale, can be found on the first page of Google or any other search engine. This is accomplished by having a Realtor that is Internet savvy and is a blogger. Blogging "ranks" high when someone performs an Internet word search like on Google. The most amazingly beautiful, high tech super-duper custom webpage for your home for sale doesn't mean SQUAT if home buyers do not find it when they are searching the Internet.

Let's wrap this up with a little test ...

Search for these various terms and see if "Andrea Kappre" shows up anywhere ...

"Homes for Sale in Amherst Farms, Mickleton"  -  "Realtor in Gloucester County"Why your listing agent should be a blogger

These are just two examples ... a narrower search such as your street or your development will likely place you in the top 2 or 3 results on Google.

Now Imagine YOUR HOME is the first one a buyer sees when searching on Google!!!

To list with a non-blogger - that is listing suicide!

 

 

Andrea Kappre is a Realtor in New Jersey, helping buyers and sellers to successfully accomplish their real estate goals. For your own customized MLS search of homes for sale in Gloucester, Salem or Camden County or other South Jersey areas, Click the Search the MLS link below or call or e-mail Andrea Kappre now.  You can visit Andrea on the web at www.AndreaKappre.com

Contact Andrea Kappre at 856-419-3560 or AndreaKappre@yahoo.com

 

 andreakappre@yahoo.com REALTOR in NJ Twitter REALTOR in NJ RSS Feed REALTOR in NJ MyBlogLog

Search the MLS

Home Sales in Gloucester County

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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

How to Sell Your House

Some simple, sound advice.

Via Andrea Kappre, New Jersey Realtor | New Jersey MLS | Homes for Sale in NJ (Century 21 Hughes-Riggs Real Estate Company):

How to Sell Your House

 

 Whenever you hear people discussing real estate you can bet your last dollar that you will hear the phrase "location, location location" mentioned.  I am a firm believer that the location of a home can hinder or help in a sale, but I know the most important aspect when selling your home is PRICE.  If you really want to know how to sell your home, the answer is short and simple:  Set the correct price from the start. 

how to sell your house How do you calculate the "right price"? 

Below are a few tips to follow:

 

 

  • Don't just get a market analysis, trust the results - The market analysis determines the value of a home based on the amount comparable homes have sold within the last year.  Real estate appraisers will look at these recent sales when they determine the value of the property for mortgage purposes.  One of the most important facts about real estate transactions and mortgages to understand is that the mortgage company will not lend above the value determined by the real estate appraiser.  Therefore, pricing a home above the value determined in a market analysis done by a real estate professional will not help you make a greater profit.

  • Time factor: If you need to sell fast, price it as low as you are comfortable with. Typically the lower the price the faster the sale. If a home is priced too high from the beginning, a seller almost invariably ends up with a lower sales price then if the home had been priced correctly from the beginning. The trick in any market is the price.  Homes priced correctly sell.

 

  • You hired a professional... listen to their advice. You are paying for professional advice, don't ignore it. ASSUMING your agent is experienced and professional, they will give you great advice based on market research and experience in sales and real estate. You wouldn't do research to find a great doctor, then after a diagnosis go with your own ideas would you?

 

  • Choose Wisely!   Do not hire the real estate agent who gives you the highest value as a listing price.  There are some agents who will start out with an unattainable listing price and after a few weeks begin to tell you it is time to reduce your price.  How much time is wasted when you are priced too high?  Hire an agent who will base the value of a home on facts.   

 

 

Andrea Kappre is a Realtor in New Jersey, helping buyers and sellers to successfully accomplish their real estate goals. For your own customized MLS search of homes for sale in Gloucester, Salem or Camden County or other South Jersey areas, Click the Search the MLS link below or call or e-mail Andrea Kappre now.  You can visit Andrea on the web at www.AndreaKappre.com

Contact Andrea Kappre at 856-419-3560 or AndreaKappre@yahoo.com

 

 andreakappre@yahoo.com REALTOR in NJ Twitter REALTOR in NJ RSS Feed REALTOR in NJ MyBlogLog

Search the MLS

Home Sales in Gloucester County

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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

Family Fun at the Gloucester County 4-H Fair and Peach Festival

The 4H Fair is always a great time. If you live in the Gloucester/Salem county area and are looking for something to do over the next few days, definitely give this a shot.

Via Andrea Kappre, New Jersey Realtor | New Jersey MLS | Homes for Sale in NJ (Century 21 Hughes-Riggs Real Estate Company):

Family Fun at the Gloucester County 4-H Fair and Peach Festival

July 22-25, 2010, 4-H Fairgrounds, Route 77 South, Mullica Hill, NJ

Gloucester County NJ 4H FairThe Kappre family has a few family traditions.  One of them is the Gloucester County 4-H Fair.  And yes, the homemade peach ice cream is on the top of everyone's list.  We are not farmers, and we don't own livestock, but we love to go to the fair to see the animals, the shows, the pig races, the crafts, the homemade kid's toys, and of course all the delicious food. 

You can walk among the cows, the pigs, the horses, the sheep and other farm animals.  It is a good learning experience for younger children who are not used to being around these animals.  They are massive and sometimes funny to watch.  Lets not forget the tent of lizards and frogs and other aquarium animals. 

 There are contests, tractor pulls, rides for the kids and many other events.  More detailed information here.

 

Times:  Thursday, Friday, and Saturday:  9AM to 10PM.  Sunday:  10AM to 5PM

Admission is free, but there is a $10.00 parking donation per carload which is good for all four days.

 

 

 

 

Andrea Kappre is a Realtor in Gloucester County NJ, helping buyers and sellers to successfully accomplish their real estate goals. For your own customized MLS search of homes for sale in Gloucester, Salem or Camden County or other South Jersey areas, Click the Search the MLS link below or call or e-mail Andrea Kappre now.  You can visit Andrea on the web at www.AndreaKappre.com

Contact Andrea Kappre at 856-419-3560 or AndreaKappre@yahoo.com

 

 andreakappre@yahoo.com REALTOR in NJ Twitter REALTOR in NJ RSS Feed REALTOR in NJ MyBlogLog

Search the MLS

Home Sales in Gloucester County

E-mail Steve Subscribe via E-mail Twitter MeFaceBook Me RSS Feed LinkedIn Me  

Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

Reverse Mortgage Scams

Reverse Mortgage Scams

(Alternate title: Dealing with My Stupid Criminal Loan Officer Peers)

NJ Reverse MortgagesI wish I could say that this was a "stupid criminal" situation like Jay Leno loves to see.  It is not. If you would like to get really ticked off, read on.  I received a call two days ago from a reverse mortgage client of mine. They closed about a year ago. Mr. Jones (as we will call him) called me to ask me this question:

"I recieved a call today from a loan officer. He said that the mortgage company that we closed our loan with went out of business, and that we need to sign new paperwork. He said he was going to send us a new mortgage package. He told us to just sign everything and send it back. Is this right and should we sign?"

Reverse Mortgage QuestionDoes it make you start to wonder how many seniors are scammed this way? 

Just in case you are wondering, once a loan is closed, you can have 1,000 banks go out of business. YOU DON'T NEED to resign anything.  This scenario above is a complete scam. And I hope it makes you as irrate as it makes me!

One would hope that after all the industry changes in the past year that the scum in this business would be gone. Nope. They just have invented new ways to crush someone to make a fast buck.

The great news is that Mr. Jones still had my number handy and called me first. That move just saved him $1,000's plus massive heartache.  (the LAST thing a senior in his late 70's needs!!) I plan to have Mr. Jones tell the loan officer to send that new loan package out, so that I can then go personally pick it up, and forward the same scenario to any and every banking official I can get a hold of.

Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve.

  • NJ First Time Home Buyer
  • Purchase, refinance, rehab loans
  • Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more

Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

E-mail Steve Subscribe via E-mail Twitter MeFaceBook Me RSS Feed LinkedIn Me  

Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

Reverse Mortgages for Gloucester County, NJ

Reverse Mortgages for Gloucester County, NJ

Here is some helpful information regarding reverse mortgages. This video answers some frequently asked questions such as;

  • Is now a good time to take out a reverse mortgage?

  • Is there a better/best age to utilize a reverse mortgage?

  • What is the interest rate?

  • How does the interest rate determine how much I can borrow?

You can both refinance and purchase a home using a reverse mortgage.

If you are considering a reverse mortgage in Gloucester County or the surrounding area, and would like to meet with a representative for a consultation, and to review your options and benefits of a reverse mortgage, contact Steve Kappre for more information: 856-419-3561 or steve@stevekappre.com.

Below is a video that you may find useful.

 


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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

Refinance Your Home Loan in South Jersey

Refinance Your Home in South Jersey

NJ RefinanceIf the public was to believe everything that the media "reported" on, they would believe that the refinance of a home mortgage would be nearly impossible. While times have certainly changed, there are certainly options to refinance your home, lower your rate, and even take cash out or consolidate your debt.

Mortgage options still exist:

  • Up to 95 percent on many properties
  • Up to and above 100% financing for certain situations
  • Cash-out
  • Debt consolidation
  • Fixed rates and adjustable, including interest only
  • Primary homes, second homes, and investment properties
  • Reverse mortgages, which allow those 62 and older to not only consolidate, but take cash out, and have no monthly mortgage payment. If enough equity exists, a reverse mortgage even allows a home owner to receive tax free monthly installment payments*

Whether you have a conventional, FHA, VA, USDA loan, no loan at all or even a private loan, there are still many options to refinance. Call or e-mail today if you need more information. we would be happy to help!

 

 

* consult your personal tax advisor regarding tax deductability of home interest and/or tax free income scenarios regarding reverse mortgages.

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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

Cleaning for a Reason-Chemo recipients FREE Service

This is a great service I never knew was available. I checked the Gloucester County, NJ area and there are some local businesses that are on board with this great free service. Share this with anyone you can! ~ Steve

Via Jane Cross (Homes By Cross, inc.):

If you know any woman currently undergoing Chemo, please pass
the word to her that there is a cleaning service that provides FREE
housecleaning - 1 time per month for 4 months while she is in treatment.  

All she has to do is sign up and have her doctor fax a note confirming the treatment. Cleaning for a Reason will have a participating maid service in her zip code area arrange for the service.   http://www.cleaningforareason.org

Please pass this information on to bless a woman going through Breast Cancer treatment. This organization serves the entire USA and currently has 547 partners to help these women. It's our job to pass the word and let them know that there are people out there that care. Be a blessing to someone and pass this information along.  

Jane Francis Cross 704-608-0228
Broker/Owner Homes by Cross
Serving Charlotte NC Real Estate and Relocation Needs since 1994.

A full service brokerage covering South Charlotte real estate, Ardrey, Ballantyne, Fort Mill, Huntersville, Indian Land, Lake Norman, Lake Wylie, Marvin, Matthews, Mint Hill , Pineville, Stallings, Uptown Charlotte, Waxhaw, Weddington, Wesley Chapel homes for sale.

 

facebook  add this  digg   friendfeed   rss feed  twitter

 

 

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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

Home Inspections: 4 Tips to Avoid the Buyer and Seller Freak Outs.

Check out these home inspection tips concerning both sides of the settlement table.

Via Christopher and Stephanie Somers - Realtors - Philadelphia Real Estate (Owner - RE/MAX Affiliates):

Home Inspections: 4 Tips to Avoid the Buyer and Seller Freak Outs.

Home Inspections - The process of a Seller waiting for the results of a Home Inspection is incredibly stressful.  Every Realtor knows that no matter how New or Old a property is, things pop up in Home Are you stressed from the home inspection ?Inspections.  I do not think I have ever seen a Home Inspection Report that came back perfectly clean. Folks, perfect is an imaginary word !

Many Buyers do not take into consideration how Home Inspections effect the seller and vice versa. Each party has their own list of things to worry about.  It is a stressful process !! But whether you are a Buyer or a Seller take a step back.  Take a deep breath.  There are a few points you may want to think about. Are you a Buyer doing every possible inspection known to man-kind? Perhaps you are Seller psyching your self up for an invetable Home Inspection from Hell ! There may be a way to diffuse knee-jerk and emotional reactions to these Home Inspections.

Avoid the Freak Out! Get Perspective !!

1) Understand and Sympathize:  The buyer is nervous too ! They have heard horror stories about "Shady Sellers". They have watched "The Money Pit" like 1 million times.  They are extra sensitive and often on the defensive when going into a purchase.  They feel that they can not afford to make a mistake.  Buying and selling a home is the largest financial transaction an average person will ever do in their entire life. It is a big deal.

2) Money Ain't Free:  Remember Sellers... The Buyer is spending extra money on all of the inspections. That money is not going to come back to them no matter what.  That must mean they are looking for something of significant value in return.  People do not spend money just to play games. (Dave & Busters is the exception of course.)  Buyers get independent Home Inspections with the expectation that they will receive solid information. Buyers who do inspections do not want to sabotage the deal ! They want to test the product they are buying.  Mind you the procedure may feel more like root canal to both parties.  It is something that the buyer must do out of due diligence.

3) You've Got The Power:  The Seller can reject the results of the inspection as well as refuse to correct or address anything that comes up on the inspections as the agreement of sale stipulates.  The Buyer can do the same. If you cannot come to a mutual agreement regarding the inspections then the deal can end.

4) What is Done in Secret will be Brought into the Light:  What I mean by that is Disclose! Disclose! Disclose! is as important as Location! Location! Location! when it comes to Real Estate.  Whatever you know about your property, good bad or ugly, disclose it ! Whatever comes out about the property through inspections must be disclosed to future buyers if the deal never settles.  Reveal everything and less harm will be done than if you do not disclose the truth about your property. Honesty will negate post settlement legal action.  It diffuses the stress involved.

We hope these 4 tips are helpful to both buyers and sellers !  If you find the information informative, please subscribe to our blog !  Is only a click away !  If you are in our neck of the woods, please contact us via phone or email or ask about our new office location in Northern Liberties !

The Somers - Chris and Stephanie Somers

If interested in buying or selling properties in Philadelphia, contact Chris and Stephanie Somers at thesomersteam@yahoo.com or 215-400-2612 . You can connect with us on Facebook and Twitter .  For investment properties, check out our new investor site at Philly Investor Hub and ask us about Philadelphia Foreclosures and Short Sales .

The Somers Team - Philadelphia Real Estate - our main site

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Areas of specialty include Northern Liberties, Old City, Center City, Fishtown, Graduate Hospital, Art Museum, Queen Village, Pennsport, Old Kensington, Port Richmond, Bridesburg, Society Hill, Loft District, Spring Garden and more !

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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance

COMMON SENSE SPOKEN FROM A GOVERNMENT REPRESENTATIVE!

Good common sense speak from a government rep - thanks Lenn for sharing and letting us know at least someone in higher government has a clue! :)

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

ELIZABETH WARREN, CHAIR OF THE CONGRESSIONAL OVERSIGHT PANEL.

Professor Warren has been a voice of sanity among the purveyors of a preponderance of prepared, befuddled, concealing, deceiving, whitewashing and self serving statements from Congress and the Executive offices charged with representing the American home owners.  Or, do they really represent us?

This morning I heard a statement from the mouth of a government spokesperson that resonated as so simple, so pithy, so true, it bears repeating.

"The American economy will not recover until the American home owners can recover."

IT WAS A VOICE IN THE WILDERNESS!

Professor Warren clearly understands that the key to the recovery of the economy rests on the American consumer.  No doubt she also understands that no economy can reach the productivity goals and expectations of the prognosticators when about 20% of the American consumer has been literally taken out of the economy in order to pay for a home that is draining the life blood from their budget, by loss of credit due to loss of home, loss of income due to loss of job and so much more injury to the American consumer. 

Wall Streetis not the American economy.

The banks are not the American economy.

The consumer is the American economy.

                                 Family

                                      "Honey, are we going to be able to recover from our financial mess?"

                                        "Perhaps Dear, if the folks in charge ever begin to think about us."

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

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Treasury Mortgage - 550 Bridgeton Pike, Mantua, NJ 08051 - 1810 Springdale Road, Cherry Hill, NJ 08003

Licensed by the NJ Department of Banking and Insurance