~~JUST LISTED AND ALREADY REDUCED IN BEAUTIFUL ANNADALE~~

Owner says sell, sell, sell!!!!! Just listed in beautiful Annadale location!!! Must see to appreciate, too many upgrades to list. Home features stainless appliances, newer roof, windows, siding and furnace, newer baths with marble tile, jacuzzi tub, plus hardwoods throughout (under carpet). Lower level features 4th bedroom and oversized family room with newer French doors to large, spacious back and side yard.

For any questions or to view this property,call SI Premiere Properties 718-408-1499

DRASTIC PRICE REDUCTION!!! OWNER SAYS SELL!!!!!

DRASTICALLY REDUCED~~BEAUTIFUL TWO FAMILY DETACHED

Don't miss this opportunity to own a beautiful 2 family 7/3 detached home with garage in convenient Eltingville location.
Home features all newer Anderson windows and french sliders to beautiful maintenance free patio. Hardwoods on 2nd floor,
master bedroom with his and her closets and private bath, as well as, beautiful, large, bright and airy eat in kitchen. Tons of
closets. Private fully fenced backyard with pool and shed, perfect for summer time entertaining. Plenty of room for large family!


If you would like to schedule a private viewing of this home, please feel free to call S.I. PREMIERE PROPERTIES at
718-408-1499

5 Things To Avoid Before Purchasing Real Estate

If you are planning to buy a home within the next few months, there are specific mistakes that you should avoid as they may hinder your mortgage options. Below are 5 things to avoid before purchasing real estate.

Major Purchases

Lenders evaluate the percentage of your debt to your overall income. Increasing balances either on your credit cards or with new loans may significantly change that percentage. In general, the more debt you have, the less you can qualify for on a mortgage. This is even more important after you have found a home and have started the mortgage process. Mortgage companies may re-run your credit report immediately before closing to verify that things have not changed. If you took on new debts, this can lead to problems with getting the mortgage.

Switching Employment

As part of the loan process, lenders look at your previous and current employment to evaluate your ability to pay back the loan. A consistent history in earnings is essential. Changing jobs before or during the loan process can cause issues with qualifying for a loan, particularly if the new job is in a different field or at a lower rate of pay. During the loan process, it will also create delays while the new employment is verified.

Changing Banks

Mortgage processors typically analyze your bank account history over the last several months. Moving your money to a different bank may cause problems. It is advisable to keep funds in the same location until after the closing.

Cash Transactions

Many types of loans require that you use a specific amount of your own funds for the down payment or closing costs. Banks verify this by reviewing bank statements. Any cash transactions are closely scrutinized. You may be asked to provide details on the source of cash deposits.

Closing Accounts

While preparing to buy a home, you may try to pay down credit cards. Before doing this, consider consulting with a mortgage consultant on whether it is needed given your financial situation. If you do pay off bills, do not terminate the accounts as this will reduce your credit score. It is better to keep the accounts up with no balance.

More Guidance on 5 Things To Avoid Before Purchasing Real Estate In

The above 5 things to avoid before purchasing real estate in covers only the most common mistakes common ones. As a local real estate professional, I can provide you with a list of local lenders in . You may reach me, Gregory Diaz and Gina Guerriero, at S.I. Premiere Properties via phone at 718-408-1499 or email at gregdsells@aol.com.

Staten Island NY Homes To Sell In A Declining Market

Pricing directly impacts the amount of time it takes to sell a
property and whether it will sell at all. Pricing is especially critical in a
slow market or when there are an abundance of properties for sale. Below is
advice on positioning Staten Island NY homes to sell in a declining
market.

Understand the Staten Island NY Market

Each real estate
market varies. When you hear facts on the news, those commonly refer to national
figures. Your particular region may be very different. A local real estate agent
can provide a comparative market analysis on your property. This analyzes recent
Staten Island NY sales of similar property and provides a reasonable price range
in which your home may sell. This value may change based on the time of year and
recent sales, so avoid relying on past information.

Be
Practical

When reading the Staten Island NY market analysis repo
rt, remember that it is a range. Where your home falls in that range depends on
the competition and your target timeline. As a home owner, it is common to feel
a sense of attachment to your home and to the work that you have put in.
Unfortunately, not all potential buyers will assign the same value to different
features and amenities. Anticipate that you may not get back the full amount
spent on upgrades. Additionally, home prices may be affected by Staten Island NY
foreclosed homes in the area, which are traditionally sold at deep discounts and
are still considered comparable properties. Market value is defined as the price
that a home buyer is willing to pay for a home during a particular time. It may
not necessarily match your expectations or be close to the original purchase
price of the property.

Positioning Staten Island NY Homes To Sell In A
Declining Market

Positioning a property above the reasonable range will
result in valuable time being lost. If the
Staten Island NY real estate market drops further during that time, the home
will ultimately sell for even less than it would have if positioned accurately
to begin with. Additionally, home buyers tend to have a negative perception of
houses with lengthy market times. This opinion is nearly impossible to overcome
even if a home drops in price later. Pricing too high causes more harm than
good.

Some Final Advice for Staten Island NY Sellers

If the
current market value of your Staten Island NY home is far too different than
your requirements, it may be better to keep a close eye on the market and wait
for values to increase rather than overpricing and letting it grow stale for an
extended period of time. If you have no choice but to sell and need to do so
within an exact period of time, selecting a price appropriate for the market and
competitive with other homes will be critical to achieving your target date.
Time is money and the loss of valuable time can be m
ore costly than you may realize. This information on positioning Staten Island
NY homes to sell in a declining market was offered by Gregory Diaz and Gina
Guerriero at S.I. Premiere Properties

Why You Should Hire A Real Estate Broker

As a home buyer or home owner in Staten Island NY, you have the option of finding a real estate agent to provide support and protect your interests. Simply contacting an agent does not suggest that person is your buyer or seller agent. There is normally an agreement formalizing the agency, the agent's responsibilities, and your responsibilities. Below are important facts on Staten Island NY real estate broker assistance and why you should hire a real estate broker. All references to "agent" refer to buyer or seller agents.

Real Estate Broker Fiduciary

Federal real estate law mandates that agents provide specific duties to their clients after they enter into an agency relationship with that client.

Providing Confidentiality

Agents are responsible for keeping all of their client's information confidential. They may not disclose anything about your business, financial or personal affairs or motivations unless specifically requested by you to do so or ordered by a court of law to do so. This responsibility remains active forever and extends beyond any closings or contracts.

Care

Staten Island NY agents are expected to have a fair amount of knowledge of real estate related topics and on the home buying and selling process, but they are not expected to be experts in all real estate related fields (such as home inspections). For information outside of an agent's knowledge base, agents must take reasonable care in guiding clients to the proper experts.

Lawful Obedience

Agents must obey their clients instructions, as long as the requests do not break any laws or contracts. For example, sometimes clients may ask their agent to write an offer with terms that the agent does not agree with. Agents must abide by those requests despite that disagreement.

Accounting

Agents must accurately know the whereabouts of all monies pertaining to your transaction. This includes any deposits submitted and the release of such deposits.

Loyalty

Real Estate Agents must keep their clients' best interests ahead of all other parties, including themselves. An agent's earnings, particularly in competing offer situations, should not be a consideration and would be disloyal to clients. Confidentiality is also a facet of loyalty.

Diligence

Agents must perform tasks and complete requests in a timely manner. This can sometimes be crucial in multiple offer situations, so having an agent on your side will best protect your interests.

Disclosure

All agents must disclose all known facts about a property,...often referred to as material facts. The responsibility to disclose also covers any facts or details that might influence a client's decision about a home or affect a client's negotiation position.

Staten Island NY Real Estate Broker Assistance - Why You Should Hire A Real Estate Broker

Hiring an agent has many benefits. Beyond the items above, agents have an even more vital role of controlling your interactions with other parties. The home buying and selling process can be very stressful and emotional. Having the advice of a person who has your best interest but is not emotionally involved can facilitate the process and lead to successful outcomes. This sums up Staten Island NY real estate broker assistance and why you should hire a real estate broker. Contact Gregory Diaz and Gina Guerriero at 718-408-1499 or gregdsells@aol.com for additional more information.

Staten Island NY Foreclosed Properties - Details For Home Buyers

Purchasing at Foreclosure Auction A mortgage company typically holds an auction when foreclosing on Staten Island NY homes. Buying directly at an auction is very risky. At this stage, bidders have no opportunity to enter the interior of a home since it can be occupied (until the residents are evicted). A substantial cash deposit is required to bid at auction. Because of this, Staten Island NY homes may not always sell at auction. The mortgage company will alternatively take ownership, making it bank-owned property, a term that buyers may see often in real estate for sale. Purchasing Bank-Owned If a home does not sell at auction, the eviction process gets completed and the property is placed for regular sale. It is uncommon for any repairs to be performed, so foreclosed homes are generallly sold as-is. Furthermore, little information on past work is available. It therefore remains a somewhat risky alternative for Staten Island NY buyers. Bank-owned real estate typically sell for a discounted amount for these reasons. Staten Island NY Foreclosed Properties - Details For Home Buyers Buyers wanting discounted real estate often inquire about bank-owned properties, but it is important to understand the disadvantages of foreclosures. Buying at auction is not an option for typical Staten Island NY first time buyers. Since the previous owners could not make mortgage payments, they most likely could not afford to perform general repairs on the property either. Buyers should therefore expect extensive repairs. Certain Staten Island NY real estate professionals are experienced in foreclosed homes and can be invaluable. This blog on Staten Island NY foreclosed properties - details for home buyers was compiled by Gregory Diaz and Gina Guerriero at S.I. Premiere Properties. Contact Gregory Diaz at 718-408-1499 or gregdsells@aol.com with questions or for additional information