Roy Giordano's Blog

I’m pleased to announce that I have joined RE/MAX Central. RE/MAX Central is New Jersey’s # RE/MAX Sales office.

I’d like to share with you the recent press release as written in the Asbury Park Press      Jan. 15th 2012

                                                  Roy Giordano Joins RE/MAX

Roy Giordano Has recently joined RE/MAX Central in Marlboro/Manalapan as a Broker Associate. He specializes in residential Real Estate and will serve Monmouth and Middlesex counties, specifically the townships of Marlboro, Manalapan, Old Bridge, and Freehold.

As a seasoned Realtor with over 20 years of experience in the industry, Giordano was Top Producer at Century 21 prior to joining RE/MAX. He also has 15 years of corporate experience as a business consultant, both domestically and internationally. In addition, he has made several appearances on the Today Show, The Good Morning Show, and CNBC expressing his views about the Real Estate market.

Giordano has been awarded the Century 21 Customer Service Award, the Gold Pace Seter Award, and the Masters Ruby Award. Most recently, Giordano was awarded the NJAR Circle of Excellence Award for 2010. As to why he joined RE/MAX, Giordano says the degree of professionalism and the opportuinty to grow his business is what lead him to the company.

To contact Roy Giordano at RE/MAX Central in Marlboro/Manalapan, call his cell # at 732-213-2438 or email him at royrealtor@yahoo.com. Visit his website at www.roygiordano.com

About RE/MAX of New Jersey: RE/MAX of New Jersey was founded in 1985 and has grown from a single office to over 170 offices with nearly 3,000 sales associates across the state. Please visit www.remax-nj.com for more information. End of article.

I’m excited to be starting the New Year at RE/MAX. With all the resources that RE/MAX has to offer, I feel I will be able to better serve my valued customers with an even higher level of service.

If you or someone you know is considering buying or selling a home, please contact me for a complimentary consultation. I’d love the opportunity to earn your business!

Click here to read testimonials from my recent customers.

Roy Giordano + RE/MAX = A winning combination

http://activerain.com/blogsview/2535791/just-listed-in-marlboro-nj-by-roy-giordano-top-marlboro-realtor

Monmouth County New Jersey Real Estate    By  Roy Giordano,   732-213-2438

If you’re in the market to purchase a home in Monmouth County New Jersey, I can provide you with valuable  information to help you make an informed decision about where to buy before you begin  the house hunting process.

There are several things you will want to know before beginning your search; the following are  examples of the information  I can provide you with: community information about a specific town, school reports, tax rates, municipal information,  comparable home sales, transportation/commuting, and the list goes on…..

Monmouth County is centrally located in New Jersey. Many people commute to NYC by train, bus, or car.  A commuters delight.

Monmouth  County NJ Real Estate offers  beautiful  parks, recreation facilities, shopping malls,  concert halls……. and of course the Jersey Shore with all it has to offer. Beautiful beaches, night clubs, and  restaurants of all varieties.  A visit to Pier Village in Long Branch will make you feel like you’re on vacation. Free concerts in the park in  Red Bank. You can enjoy a fine meal or just sip a cappuccino on a sidewalk cafe in Freehold Boro.

Monmouth County NJ Real Estate  has 27 miles of Atlantic Ocean shoreline and 26 miles of Bay coastline. There are lots of marinas to dock your boat and many homes that offer bulkheads.

Monmouth County offers top rated schools and several colleges to choose from. Monmouth County is known for its schools and one of the top reasons why people choose to live here.

For additional information about the communities of Monmouth county and to obtain free school reports, please visit my website. There you will find links that will lead you  to all the information you’ll  need for a specific town.

Whether you’re looking for a first time home purchase, luxury home, adult community, vacation home, or investment property – Monmouth County NJ Real Estate  has it all! If you would like to search for homes on line, you can sign up for my free listing book account. This site offers all the homes in Monmouth County and is directly outsourced the the Monmouth County Multiple Listing Service with up to the minute  results.  You can search for homes in the same fashion the Realtors do. You can also get automatic updates as often as you like; daily, weekly etc. Shop for homes at your own convenience.  The listing book site will provide you with all the active, under contract, and recently closed homes.

When it’s time for you to look for a home in Monmouth County, please contact me. I will provide you with all the necessary information for you  to make an informed decision about purchasing your new home.

Roy Giordano, Broker Associate offering Real Estate Services at a  Higher Level.

Century 21 Mack Morris Iris Lurie, New Jersey’s # 1 Century 21 Sales Office.

                                                               Monmouth County New Jersey Real Estate

Fabulous end unit Town Home! New eat-in kitchen with honey oak cabinets, Corian counter tops, under mount sink, newer appliances, sunken Dining Room & Living Room with wood burning fireplace and sliding doors leading to large patio, great for entertaining! Master Bedroom with 2 walk-in closets. Updated master bath room.  Attached 1 car garage. New hot water heater. New wall to wall carpeting throughout.  Freshly painted. Immaculate and absolute move-in condition. Excellent location! The nicest 3 bedroom Town Home available in the complex. All this in the desirable town of Marlboro with its excellent schools. Hurry, this one won’t last!

For additional information about this home, please call Roy Giordano @ 732-213-2438

Additional photos are posted on line at www.roygiordano.com  under featured homes.

Lately, I have been recommending to most sellers that they pre-inspect their home prior to putting it on the market.   This often comes with resistance because at first, it doesn’t seem like the expense will be recouped on the sale.   I advise that this is a good strategy and could net a seller more in a slow market.   Here are some reasons:

• A  pre-inspection catches what the buyer may find during their own inspection so that the seller can repair and/or price the house accordingly from the outset

• By making necessary repairs in advance, the seller can better manage the repairs on their own terms and there is no time constraint to having the job done; the seller can shop around for estimates

• The pre-inspection report can be offered to potential buyers to provide disclosure and evidence of repairs and/or defects that a seller may choose not to repair

• A  report gives nervous buyers more confidence to submit an offer, especially if the home is older and competes with new construction

• It is less likely that the buyer will “renegotiate” the offer after their own inspection because it is less likely they will find a surprise or a “new” deal breaker; the buyer will likely submit their highest offer at the outset

• A  pre-inspection can uncover a huge potential “deal breaker” like toxic mold, termite damage, code violations, etc.   If a buyer discovers this after submitting an offer they are more likely to back out, rather than adjust the price or ask for repairs

• If the first buyer backs out due to a large defect, the seller stills has to make the repairs for the next buyer while the house remains on the market longer; possibly needing a further price reduction

• Making the repairs after the buyer discovers them does not “add value” after the fact, it only prolongs the sale process

If you would like more information about getting  a pre-inspection report for your home, please contact me.

Roy Giordano

www.roygiordano.com

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My Home

7 Ways to Qualify for a Home Mortgage  

7 Ways to Qualify for a  Home  Mortgage

A few years ago, home buyers were qualifying for mortgages who normally wouldn’t qualify for a mortgage. It was easy to get a mortgage because homes were flying off the market before they were even listed for sale. Lenders saw dollar signs, so they found a way to help buyers get a mortgage with what many called creative financing.  

Things have certainly changed  in today’s housing market. Qualifying for a mortgage is harder than it was a few years ago, but it’s not impossible. I advise many clients on how they can qualify for a mortgage in today’s market. Here are some helpful tips:

1. Inspect all three of your credit reports. Pull your credit reports from Equifax, Experian and Transunion. Make sure that all of the information is accurate. If you find an account that doesn’t belong to you, submit the necessary form to all three credit reporting agencies to dispute the account.

2. Improve your FICO score. Unfortunately, mortgage lenders heavily weight your lending eligibility based on a score that doesn’t accurately measure your financial stability. The FICO score only measures your ability to repay a loan. Improve your score by paying down debt, paying all of your credit accounts on time, and keeping open accounts with a zero balance.

3. Save for a bigger down payment. Buying a house with a 10% or more down payment shows you are serious about becoming a homeowner. If you’re looking for a Federal Housing Administration loan, you’ll need at least a 3% down payment.

4. Increase your household income. That’s a tall order in today’s job market, but mortgage lenders want you bringing in enough money to realistically pay for the loan. Two-income families qualify easier than one-income families. Pick up a second job, become a two-income family, or start a home-based business.

5. Choose a realistic budget. The rule of thumb is a mortgage payment that is 25% of your monthly household income. Choose a price range that fits this criteria. If you make $4,000 a month, then choose a price range that gives you a mortgage payment of $1,250. The term “house poor” comes from people that spend the majority of their income on a mortgage payment.

6. Stick with one employer. Mortgage lenders like stability, especially in today’s market. If you can manage to stay with the same employer for more than two years, that will weigh in your favor.

7. Negotiate a price lower than the appraised value. If you negotiated a purchase price that is lower than the appraised value, you can consider it instant equity in the eyes of the mortgage lender. Follow the advice of your real estate agent on how to make the right offer.

Now is the time to buy, but lenders now have stricter guide lines for obtaining a home mortgage. Don’t let this discourage you. Take this time as an opportunity to fine tune your personal finances. For more information on how to qualify for a mortgage, please  email me royrealtor@yahoo.com.  Also, please forward this email to any of your family or friends who might also be in the market for a mortgage. You can also receive additional information about Mortgages by visiting my website at www.roygiordano.com

Sincerely,

Roy Giordano

For Sale: 23-25 Carmen Place Red Bank, NJ. This two family is a great opportunity for the 1st time home buyer or investor. It offers two 2 bedroom  1 bath units. This   home was totally refurbished in 2003. Why rent when you can own your own home and have a sizable income every month  to help pay your mortgage. For the investors, this property has an excellent positive cash flow. There are separate utilities for water, gas, and electric. Tenants pay all utilities. Don’t miss this opportunity. To get  additional  information about this property – go to www.roygiordano.com   you will find this property under featured listings or call Roy at 732-213-2438.