Red Bank, NJ Real Estate News

By Susan McLaughlin, Monmouth County Real Estate
(Keller Williams Realty - East Monmouth)
Wednesday, March 31st at 7:30 PM A behind-the-scenes look at the making of New Jersey's largest fireworks displays.  Hosted by Chris and Augie Santore of Garden State Fireworks, KaBoom presents the explosive making of a fireworks show along with an exclusive screening of the 2009 KaBoom! Fireworks on the Navesink display. The screening is followed by intimate commentary from the Santore family.  Admission is FREE!  So bring the kids and come join your friends and neighbors for a fun evening. Don't miss this exclusive chance to help us launch the 2010 KaBoom Fireworks season!   All ticket requests made by March 26th will be mailed.  After that tickets may be picked-up at the Box Office of the Count Basie Theatre.    CLICK HERE TO ORDER YOUR TICKETS TODAY!        
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By Gloria Laughton Allston, Realtor(NJ)/Broker(NY)
(COLDWELL BANKER RESIDENTIAL BROKERAGE)
  Kick off the holiday season on Friday, November 27th with the Red Bank Town Lighting presented Riverview Medical Center. And for the 16th year, Holiday Express, will be performing all of your holiday favorites in concert, presented by Jersey Mike's Subs, Shore Point Distributing Co., Coors Light & Holly Crest Wines. The concert begins at 7:00pm, on Broad Street, at Canal Street. Broad Street from Harding Road to Monmouth Street will be closed to vehicular traffic from 4:00-11:00pm.
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By Fedua "Sarah" Bandy
(Re/Max Signature Properties)
Red Bank NJ from Sarah Bandy on Vimeo.
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By Susan McLaughlin, Monmouth County Real Estate
(Keller Williams Realty - East Monmouth)
Ebner's has been a fixture in Red Bank for over sixty years.  Proprietor Bob Ebner is celebrating his  own 50th Anniversary at the store this year. We are proud to have this symbol of Red Bank quality providing the "foundation" for our living spaces at the "Just Red Bank" model at Corinthian Cove townhouses I always slow down to see which rug they have on display in their front window.  Ebner's showcases Tibetan hand-knotted rugs, contemporary graphics, patterned Axminstera, fine Karastan wools, ombre rugs and stylish animal prints.  I was chatting with Bob last week, recalling my own first experience with his store 15 years ago when I was looking for a rug for my dining room.  I knew Ebner's had a great reputation for quality - I just thought they were going to be out of reach for me....
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By Susan McLaughlin, Monmouth County Real Estate
(Keller Williams Realty - East Monmouth)
 We'll be heading back to Riverside Gardens Park tonight for the opener of Songwriters in the Park with Steve Forbert. But here's a photo I took from Red Bank's other waterfront park, Marine Park.   Photo Copyright 2009 Susan McLaughlin
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By Susan McLaughlin, Monmouth County Real Estate
(Keller Williams Realty - East Monmouth)
Tonight is the first of this year's Summer Concerts in the Park, down at Riverside Gardens Park in Red Bank.  For years, this was an old run down apartment building, long past it's day.  Then we watched as workers demolished the old structure and carved out terraces and ampitheater facing the Navesink River.  This summer's series starts tonight with Tom Timko & the Horn Dogs, sponsored by Comcast.  Bring your chairs, bring the kiddies in their jammies.  The concession stand will be open and on this lovely night, a stunning sunset is guaranteed.  Here's the old apartment building from one of my old postcards ---- the park that's there now follows.   We're headed down with our lawn chairs, camera and some Diet Coke.  It's cool and dry, so we shouldn't even see a mosquito! Look for us on t...
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By Nicholas Napoletano
(Nicholas Napoletano)
Tax Credit for HomebuyersFirst-time homebuyers who purchase homes from the start of the year until the end of November 2009 may be eligible for the lower of an $8,000 or 10% of the value of the home tax credit. Remember a tax credit is very different than a tax deduction - a tax credit is equivalent to money in your hand, as opposed to a tax deduction which only reduces your taxable income. The tax credit starts phasing out for couples with incomes above $150,000 and single filers with incomes above $75,000. Buyers will have to repay the credit if they sell their homes within three years. Tax Credit Versus Tax Deduction It's important to remember that the $8,000 tax credit is just that... a tax credit. The benefit of a tax credit is that it's a dollar-for-dollar tax reduction, rather t...
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By Nicholas Napoletano
(Nicholas Napoletano)
 Do you want more clients? Could you use the extra money? If yes, then let me share with you how you can at least double the number of clients you currently have without you having to do anything you don't already do. There is a secret in the real estate business. Those who know this secret make ten times more than the average. They are the Top producers, the winners of all the awards, the ones with clients continuously calling them. Let me share that secret with you. And once I do that, I will also show you how you can harness the power of secret. And then I will show you how you can have someone do all the work for you - for free! Why do I do this? I want you to succeed. I know what it was like to be the little guy. If I help you, chances are you will help me as well. Let me share a s...
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The 10 Biggest Blunders You Can Make When Buying A Home!  1. Losing Money With Lower Interest Rates.  Some loans have very attractive interest rates (also known as teaser rates) but you may be hit with higher upfront charges.  Points and/or origination fees are the most common ways to lower the rate and charge up front costs.  When searching for a mortgage, ask the lender if they are charging points or origination fees.  Points and origination fees are calculated as a percentage of the loan amount. See example below. $300,000 Mortgage 1 Point = 1% of the loan amount = $3,000 paid at closing 2 Points = 2% of the loan amount = $6,000 paid at closing Beware of Adjustable Rate Mortgages (ARM's) and Balloon Mortgages.  ARM rates will adjust depending on the loan.  The ARM rates may adjust a...
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By Nicholas Napoletano
(Nicholas Napoletano)
     FR Elite a division of Financial Resources is a private mortgage firm that caters to high net worth clients. FR Elite is looking for the cream of the crop. If you feel you have what it takes to be part of our "Elite" team of private mortgage bankers. Come join our direct lending bank of over 100 employees in our new Red Bank location.      We are licensed in over 20 states and have corresponding lending with the top banks in the industry. Last year alone the company wrote over $2.5 million in mortgages. Take advantage of our unique pricing engine and lead generating system. We have top payouts. There are 401k and benefits available. Send resume to nnapoletano@e-mailfr.com or fax 732-907-1264 Attn: Nicholas Napoletano
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 Those credit card offers just keep coming.  Seems there's hardly a day goes by that your mail box is not stuffed with some new bank offering some new credit card.  But there's a danger lurking for you also, one you may already be painfully aware of.  Over use of credit cards is crippling the spending power of millions of Americans.  The following is the truth about what really goes on behind the scenes at your credit card company. Dirty Little Secret #1: Debt Addiction Consumer debt is way out of control, but the dope (I mean "debt") pushers just keep on pushing.  The average consumer has 7 credit cards with an average balance per card of $2500.  (That's $17,500 in debt in case you haven't done the math!)  60 million Americans charge an average of $6,000 on credit cards every year.  S...
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By Nicholas Napoletano
(Nicholas Napoletano)
When you sit down with a lender, please be sure to get answers to these 10 questions before you go any further in the loan process. 1. What is the interest rate on this mortgage?Be sure to ask for the annual percentage rate (APR) of the loan's interest.  The APR is usually higher than the originally quoted rate because of the additional fees involved in procuring a loan. You must beware of APR found in advertisements. Often these are used in bait and switch schemes to get customers in the door. Always ask for an itemized list of rates, points and fees. 2.  What discount and origination points will I be charged?Often lenders may charge prepaid mortgage interest points. Find out the kind of points they will be and their effect on your loan. 3.  Will you give me a good faith estimate of my...
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By Nicholas Napoletano
(Nicholas Napoletano)
Don't put your home on the market until you've read this report! Avoid 11 mistakes that could cost you thousands of dollars. Selling your home can be an exhausting experience. Last minute walk-throughs, inconvenient calls, price adjustment and the possibility of being stuck with two mortgages to pay at one time are real concerns. If you are not completely prepared, you could end up losing hundreds, or even thousands of dollars.The difference between a profitable, smooth transaction and a break-even is a miserable experience and often a fine line. In the majority of cases, it comes down to the subtle know-how of your profession. By utilizing the knowledge of a qualified professional, you'll ensure the quick, profitable sale of your home. This report is designed to arm you with the knowle...
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By Nicholas Napoletano
(Nicholas Napoletano)
Here is a checklist of possible documents you might need to complete your home loan. This will help you get the necessary form and documents that are most often needed when apply for a loan. By making sure that you have these items on hand when you go to apply for a loan you greatly decrease the time it takes to get you the money you need. Completed Loan Application Signed and dated by all loan applicants Income DocumentsFor Hourly or Salaried Employment: Original W-2 for the past year ANDOriginal paycheck stub showing year-to-date income (within last 60 days) For Self-Employment, Sole Proprietor: Complete copy of previous year's federal tax returnCopy of year-to-date Profit and Loss statement For Self-Employment, Corporation: Copy of Form 1120 for previous yearCopy of year-to-date Prof...
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By Nicholas Napoletano
(Nicholas Napoletano)
Targeted Mailings Direct mail is a great way to reach more people, faster. The key to a successful direct mail campaign is the list that you are mailing to. The type of list you need to acquire depends on the type of business you want. You could mail to lists of people who have owned their house for 5 years, people with bad credit, people with great credit, people with kids of college age, people in foreclosure, or just about anything else you could think of. Determine first whom you want to mail to. Look in the yellow pages under mailing lists or list broker and these people will help you find the right list. There are also companies that cater to the real estate and mortgage industries. For example, there are companies that can help you get lists of people with certain interest rates,...
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By Thomas McCormack
(Resources Real Estate)
CLASSIC HORSE & CARRIAGE RIDES Dec. 6 - Dec. 21, 2008 Every Saturday afternoon, Bridge Avenue across from The Galleria & Murphy Style Grill, 26 Broad Street. Ride through the downtown in an old-fashioned carriage and enjoy the sounds and sights of the season. FREE. 1-5pm HOLIDAY HARMONIES Dec. 6 - Dec. 20, 2008 every Saturday afternoonDowntown Red Bank. 12-3pm Traditional carolers, choirs, brass bands, rock, folk, jazz & blues musicians bring holiday tunes to the sidewalks of Red Bank. FREE.
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By Nicholas Napoletano
(Nicholas Napoletano)
Sphere of Influence Everyone that you know has to know what you do. Anytime they hear the words real estate, you want them to think of you. But don't count on them to remember, you have to drill it in their heads.  First, make a list of everyone you know. Friends, family, previous co-workers, previous customers, neighbors, church members, club or committee members, people who you buy things from, etc.  Second, send them each a letter saying that you are now a real estate agent and 10 cards for them to pass out.  Third, call each of them 3-5 days after sending the letter to make sure they read the letter and ask them if they know anyone who needs your help.  If we figure conservatively, every person knows at least 100 people. If each of your 100 people know 100 more people that's 10,000 ...
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By Nicholas Napoletano
(Nicholas Napoletano)
          What is RESPA? This question has been asked to me a lot recently from people in my networking groups to consumers. So I figured there's probably other people who do not know what it is and thought this post would be helpful.          RESPA stands for (Real Estate Settlement Procedures Act), a federal law enacted to protect consumers from abusive or excessive fees in real estate transactions.  Among the requirements of RESPA are rules regarding cooperative marketing and referral kickbacks.           In short, a loan officer cannot offer anything in exchange for business referrals. In times past, it wasn't uncommon for loan officers and mortgage brokers to give gift certificates or larger-valued items to people who referred them business.  Now, anything beyond a simple "Thank Yo...
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By Nicholas Napoletano
(Nicholas Napoletano)
HOW DO YOU STAND OUT FROM THE CROWD!!! It doesn't matter if you are a new agent or a twenty-year pro. If you don't market yourself you will go broke. And if you market yourself in the wrong way you won't get any results and you'll still go broke. A company goes bankrupt when it stops advertising, and so will you. My point is, that in order to be successful as a real estate agent you need to get your name out. People need to know who you are, what you do, and what they will get out of doing business with you.  In this report I assume you have very little money for marketing. Some of the techniques I will tell you about cost no money. Some cost a little, but all are cheap. And all of them have worked in the past, are working for people across the country, and will continue to work for ye...
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By Nicholas Napoletano
(Nicholas Napoletano)
The eight largest mortgage lenders, as measured by total volume in the first nine months of 2008, reported declines in originations from a year earlier. In the third quarter, total mortgage originations fell to $300 billion, down nearly 50% from a year earlier and a 33% drop from this year's second quarter. The declines partly reflect lower demand as the U.S. economy slows down, as well as tighter credit standards by leery lenders. At the same time, traditional mortgage-loan giants are facing a tougher challenge from some lenders that usually don't get mentioned with the industry's heavyweights. With larger lenders now preoccupied with cleaning up the mess left when the housing bubble burst, the fact that other institutions are revving up their mortgage lending could help consumers who ...
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