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achieving dreams • buy a house • buying a home • Grace Tirrito • home affordability • homeownership • April 23, 2021

Factors To Consider Before Buying A Second Home

by ERA Justin

With summer in sight, you may be considering purchasing a second home to enjoy family vacations or perhaps just have a change of scenery while working from home. “A second home is a wonderful investment for many people,” says Grace Tirrito, a sales associate at ERA Justin Realty. “But before you make the leap make sure you do your homework. There are many things to consider when buying a second property.”

 

Can You Afford It?

Unless you own your primary home free and clear, it’s extremely important to budget for having two mortgage payments. “As a buyer, you may be expected to put down a higher down-payment, or face a higher mortgage interest or homeowners insurance rate,” Grace explains, “I work with my clients to ensure they understand the closing costs as well so there are no surprises.”

 

Occupancy Rules

To classify the property as your second home, you have to spend a significant portion of the year there. Depending on your loan type, you may be limited to the number of days you can rent it out. Conversely, if you rent the property out for 15 days or more, you’ll have to report the income to the IRS. “It’s important to work with a good lender who can explain the difference between what’s considered a second home versus an investment property,” advises Grace.

 

Location, Location, Location

“When looking for a vacation home, find a place far enough from your primary home so it feels like you’re getting away, but not so far that you can rarely travel there,” advises Grace, adding, “It’s also very important to consider what amenities you want while on vacation. Make sure you do your research on the area.”

 

Maintenance

Consider how utilities will be handled when you’re not in residence. Will you keep them all active and pay for them in full even when you aren’t there? What about lawn care? “I recommend my clients consider the extra work they will need to put in to maintain this home or whether they want to hire a property manager to do it for them. These are additional costs many don’t consider.”

 

Considering a second home? Call ERA Justin Realty at 201.939.7500 to talk to Grace or any of our experienced professionals.

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agent tips • Ilene Harpuder • market update • April 16, 2021

How to Compete in a Hot Housing Market

by ERA Justin

Gearing up to buy a home?  “Since this can be a stressful time, it’s best to be as organized and prepared as possible,” advises Ilene Harpuder, a sales associate with ERA Justin Realty Co.  “The more work you can do upfront, the better.”

 

Get Your Finances In Order

In addition to saving for a downpayment, you should also be aware of your credit score.  “Meet with a trusted financial advisor before you start looking for homes,” Ilene suggests, adding “You’ll not only get an accurate picture of your finances but also understand how much home you can afford.”

 

Refine Your Wish List

Research neighborhoods so you can fine-tune your wants and needs when you work with your Realtor.  Do you want to be close to downtown shopping and restaurants?  Or do you want more of a suburban experience, with a big backyard?  “The more specific you can define your home wishlist, the better your Realtor can serve you,” Ilene  explains.

 

Choose a Lender with Local Relationships

In a competitive market, local relationships are key.  “A local loan officer can help you win a bidding war,” explains Ilene. “They can often move faster than a national lender, and understand the specific market you’re in which can help you get to the closing table faster and with less issues.”  In addition to working with a local lender, ask for a local appraiser.  A good local appraiser understands the nuances between neighborhoods and how home values can differ from one block to the next.

 

Find the Right Realtor

Knowledge is power and fit is important. Your agent should be a resource for valuable market information and someone you are comfortable working with. “When I work with clients I act as their advocate,” Ilene states, adding, “I help them navigate the market and make sure they understand every step of the process.  I also use my market expertise to guide them through making the strongest offer possible.”

 

If you’re interested in hearing more about how to achieve your real estate goals in the current competitive marketplace, call ERA Justin Realty at 201.939.7500 to speak to Ilene or any of our experienced agents.

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curb appeal • Rosemarie Zembryski • sell a house • sell your home • Selling a home • selling your home • April 9, 2021

Get Your Home Ready to Sell

by ERA Justin

Spring is here and the housing market is hotter than ever! “If you’re thinking of taking advantage of the current real estate market trends to get the best price for your home, then now is the best time to get your house ready for sale,” says Rosemarie Zembryski, a sales associate at ERA Justin Realty Co.

 

Increase Your Curb Appeal

After the rough winter we’ve had, lawn care is a must. Clear your yard of sticks, trim bushes, weed gardens and clean up along pathways and around the front porch.  Rosemarie advises, “Take a critical look at the exterior of the home and touch up any paint and/or repair any damage. Clear up the area around the front door — replacing your house numbers is an easy way to spruce up this area.  First impressions are critical!”

 

Clean All Floors

Polish hardwood floors, shine up tile, and consider hiring a professional carpet cleaner if necessary in high traffic areas. “If you have hardwood floors under old carpet, consider pulling it up,” Rosemarie adds.  “Dated and/or worn carpet can be a big detractor.”

 

Update Decor and Fixtures

Believe it or not, small things like outdated lighting fixtures, can reduce your home’s appeal. Talk with your real estate agent about little changes that can add big appeal to your interior without breaking your budget.  “Sometimes simply changing out cabinet knobs and drawer pulls can make a big difference,” says Rosemarie.

 

Be Smart with Renovations

That being said, don’t make the mistake of completing multiple large-scale renovations prior to putting your home on the market. “Keep in mind that with any remodel, you only recoup a fraction of the cost,” explains Rosemarie. “I work with my clients to determine which upgrades are truly necessary.”

 

Depersonalize and Declutter

“I cannot stress enough the importance of decluttering your home,” says Rosemarie, adding “Neat and uncluttered rooms, walls, and countertops, with minimal personal items, gives buyers the best opportunity to imagine the space as their own.”

 

If you’re thinking of putting your home on the market this spring, call ERA Justin Realty Co at 201.939.7500 to speak with Rosemarie or any of our professional, qualified and experienced agents.

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Cristina Munoz • ERA Justin • First Time Homebuyer tips • April 1, 2021

Five Tips for Making the Best Offer

by ERA Justin

Today’s real estate market is a powerhouse combination of  high homebuyer interest and low housing inventory.  That means there are many buyers competing for a limited number of houses for sale.  “It’s more important than ever that buyers know how to make a confident and competitive offer,” says Cristina Munoz, a sales associate with ERA Justin Realty Co.

 

Here’s Cristina’s five tips for success when making an offer.

 

Work with a Trusted Real Estate professional 

Buying a home can be an emotional process.  A trusted agent can help you stay focused on the process and what you really want and need.  “I work with my buyers to understand their must-haves and use my expertise to guide them toward an offer that keeps their financial needs in mind as well,” says Cristina.

 

Understand Your Finances

Having a complete understanding of your budget and how much house you can afford is essential. “The best thing you can do is get pre-approved for a loan early in the homebuying process,” Cristina advises. “It shows sellers you’re serious, qualified, and gives you a competitive edge if you enter a bidding war.”

 

Move Quickly 

According to the National Association of Realtors (NAR), the average property sale today receives over three offers and is on the market for just a few weeks, if not days. When you find the right home, be prepared to submit an offer as quickly as possible.

 

Make a Fair Offer 

Take advantage of your agent’s expertise to make an informed offer based on the market and condition of the home, and the recent home sale prices in the area. “Your lowest offer isn’t always your best offer,” adds Cristina. “I work with my buyers to present their offer in the best possible light.”

 

Be Flexible 

Strengthen your position with an offer that includes flexible move-in dates, a higher price, or minimal contingencies.

 

Looking for a home?  Call us at 201.939.7500 to work with Cristina or any of our other experienced real estate professionals.

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Christian Peguero • pricing you home • Proper Pricing • March 26, 2021

Why Pricing Your Home Right Matters

by ERA Justin

When selling your home, naturally you want the best — and highest — offer. Given today’s market conditions, you might think the best strategy is to list your home well over market value to cash in on the current market. But according to Christian Peguero, a sales associate at ERA Justin Realty Co., that strategy is most likely to backfire.

 

“In today’s real estate market, setting the right price for your house is one of the most valuable things you can do,” Christian explains. “And the RIGHT price isn’t always the highest price.”

 

Maximize Demand

As a seller, you might be thinking about pricing your house on the high end while so many of today’s buyers are searching harder than ever just to find a home to purchase. “But when it comes to pricing your house, the goal is to increase visibility and drive more buyers your way,” says Christian. “Instead of trying to win the negotiation with one buyer, you should price your house so you attract more buyers and maximize demand.”

 

Higher Prices May Actually Deter Buyers

A high listing price does not always mean you’re going get a high offer. It’s actually more likely to deter buyers. “Even with the current low inventory, if your house is priced too high it’s more likely to sit on the market longer or require a price drop,” Christian explains, adding, “That can send the wrong signal to buyers and imply there is something wrong with the house.”

 

Work with a Pro

The best way to ensure your house is priced correctly is to work with a trusted real estate professional. When you price it competitively, you increase the likelihood of having multiple buyers competing for your house, potentially increasing the final sale price. Christian sums it up this way, “If you correctly price your home from the start, you can maximize your exposure and your return.”

 

To work with Christian or any of the experienced sales representatives at ERA Justin Realty Co., give us a call at 201.939.7500.

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catherine vick • Cathy Vick • reasons to sell • sell your home • seller • March 19, 2021

The Time to Sell Your House is NOW

by ERA Justin

Do you think spring is the best time to put your home on the market? “In the past, this may have been true, says Cathy Vick, a sales associate with ERA Justin Realty Co. “But today’s power combination of high buyer traffic and low inventory makes now the optimal time to sell.”

 

High Buyer Demand

Buyer showings on residential properties are up more than 55% year over year according to ShowingTime, which tracks these statistics on a monthly basis. “We are seeing similar trends locally,” Cathy adds, noting, “In winter we generally see a slowdown of activity but that has not been the case this season.”

 

Low Inventory

According to the National Association of Realtors (NAR) the inventory of existing homes for sale is continuing to drop dramatically. And while homebuilders are increasing construction, they cannot keep up with the growing demand. “Simply put, it’s best for sellers to capitalize on this moment sooner rather than later,” Cathy advises. “With interest rates at historic lows, we have more buyers in the market than ever. Those who want to close with the best possible terms shouldn’t wait until spring to put their homes on the market.”

 

Act Now

If you’re thinking of putting your house on the market, don’t wait. Lawrence Yun, NAR’s Chief Economist notes, “The demand for home buying remains super strong. With persistent low mortgage rates and some degree of a continuing jobs recovery, more contract signings are expected in the near future.” Cathy suggests, “Don’t wait for that increase in competition in your neighborhood. The sooner you put your house on the market, the better your chance to get ahead of the pack and get the best possible offer for your home.”

 

Ready to take advantage of this amazing seller’s market? Contact Cathy or any of the qualified sales agents at ERA Justin Realty at 201.939.7500.

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buyers • buying a home • buying is cheaper than renting • Catherine Nimmo • First-time buyer questions • real estate market • reason to own • March 12, 2021

Why You Shouldn’t Wait until Spring to Buy A Home

by ERA Justin

If you’ve been thinking of buying a home, don’t wait! “Housing market conditions continue to be very favorable for buyers,” says Catherine Nimmo, a sales associate with ERA Justin Realty Co. “If you’re ready to make a purchase, there are many factors in your favor right now.”

 

Mortgage Rates Are Low

In 2020, mortgage rates hit all-time lows more than a dozen times, falling below 3% for the first time ever. “Essentially, this means it’s less expensive to borrow money for a home,” explains Catherine. “Buyers should capitalize on this as soon as possible, before rates start to rise again.”

 

Buying Is More Affordable Than Renting

According to Realtor.com, the difference between the cost to purchase a home compared to the cost to rent a home has shifted toward favoring buying a home. “When you buy a home, as opposed to paying rent, you’re contributing to your net worth,” Catherine says. “This is one of the biggest financial benefits of owning a home.”

 

Equity Is Growing

According to CoreLogic, today’s mortgaged homes have an average equity of $177,000. That translates to a huge amount of forced savings for homeowners. Considering the amount of equity in place for the typical homeowner, the chance of the market seeing a rush of foreclosures is not likely. “Compared to when the housing bubble burst many years ago, today’s buyers can be assured that their home investment is a sound decision,” Catherine says.

 

Home Prices Are Appreciating

“From what we’ve seen in the past year, home prices have steadily appreciated and we expect that trend to continue,” notes Catherine. “The combination of home value appreciation and low mortgage rates mean it’s an ideal time to buy and a smart long-term investment.”

 

Bottom Line

If you’re considering buying a home, this may be the best time to do it. To assess your needs and determine what the right move is for you, call Catherine or any of our experienced Real Estate Agents at 201.939.7500.

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#1 • 1000 reviews • ERA Justin • ERA Justin Realty • ERA Real Estate award • Rutherford • February 25, 2021

ERA Justin Ranks #1 in Sales and Customer Satisfaction

by ERA Justin

Jennifer Darby Metzger and Ron Darby, broker/co-owners of ERA Justin Realty Co. are delighted to announce that once again, ERA Justin is the #1 brokerage in Rutherford home sales*.  This marks the 20th time in a row the company achieved this amazing distinction.

 

“We are so proud of our highly professional and knowledgeable agents,” said Ron. “It’s truly a thrill to be ranked number one in Rutherford, now 20 years running.”

 

“Our agents take full advantage of the tools, technology, and robust marketing support we provide to offer their clients the absolute best service and experience,” added Jennifer. “We get consistent rave reviews from our clients confirming what we already know — our agents are best in class.”

 

ERA Justin Realty Co. now has more than 1200 positive customer reviews. Here’s what our latest satisfied clients had to say.

 

“She immediately responded to my urgent need for a new home and worked tirelessly to help me find the best location. She made me feel like her first priority and the entire process of buying my home was completely painless. Thank you ERA Justin Realty! I was impressed!”

 

“[Our agent] made what could have been a challenging house-hunting journey during times of COVID precautions into an understanding and comforting experience every step of the way. My family now resides in our dream home and in a home that exceeded our expectations.”

 

“From day one [my agent] was extremely responsive and helpful. All throughout the negotiations and closing [she] was there quickly handling any issues that may have risen during a pandemic. I would highly recommend [her] when purchasing or selling any property.”

 

“As a first-time home buyer, the purchase process is daunting. [Our agent] had all the answers to the process, which removed our tremendous lack of confidence. She knew when things we were told by others sounded right or wrong and did her research to follow up. And most importantly, I never felt railroaded. She was honest about the things she knew and the things she could only speculate about in a very wild market.”

 

“They were very helpful, involved, extremely professional and answered any questions.  They are very knowledgeable in the North Jersey real estate market and I always felt like I was in good hands. I would recommend them to anyone looking to sell their home.”

 

To work with any of our highly skilled agents for your real estate needs, call 201.939.7500.

 

*Market share statistic is based on data obtained by NJMLS for all homes sold in Rutherford from 1/1/2020 to 12/31/2020.

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2020 • agents • award winners • ERA Justin Achievers • February 19, 2021

ERA Justin 2020 Leaders Award Winners

by ERA Justin

ERA Justin Realty, the top residential real estate brokerage in the Rutherford area, is proud to announce its top producing agents for 2020. The members of this year’s ERA Justin Realty Leaders Awards were recently recognized at a virtual team sales meeting.

 

These agents, along with the rest of the exceptional team at ERA Justin Realty, once again propelled the office to a market leadership position. For the 20th consecutive year in a row, ERA Justin is the top selling real estate brokerage in Rutherford, based on Closed Sales Volume, according to statistics available from the New Jersey Multiple Listing Service (NJMLS). ERA Justin Realty has sold three times more homes in Rutherford than the nearest competitor.

 

ERA Justin’s Leaders Award recognizes those agents that consistently meet and exceed their goals and the company’s goals on a monthly basis. The 2020 Leaders Award winners are (pictured left to right): Fara Espandi, Lee Schilare, Rosemarie Zembryski. Cathy Vick, Julia Dagistanli, Jennifer Sullivan, Catherine Nimmo, and Carol D. Calamari.

 

The company also celebrated a number of outstanding achievements in 2020. According to the NJMLS, an impressive seven out of the ten top agents in Rutherford are from ERA Justin, including the number one agent, Fara Espandi. Rounding out the list are Jennifer Sullivan (#2); Lee Schilare (#4); Michelle Korosy (#5); Julia Daglistanli (#7); Danielle Sette (#9); and Cathy Vick (#10). The company also recognized Team Sette Davidson — Danielle Sette, Jessica Davison and Jennifer Zenquis — as the Top ERA Team in New Jersey, per its parent company ERA Franchise Systems LLC.

 

“We are extremely proud of these agents,” said Ron Darby, broker/co-owner. “Not only do they lead the company in sales and volume numbers, but they also set an example with their dedication to customer service and service to our community. Even during the extraordinary circumstances of the past year, they persevered to raise the bar — as did all of our agents — to continue to deliver extraordinary real estate experiences.”

 

“These are the agents that combine their local knowledge and experience with all that the ERA brand has to offer, including tools, training and technology,” adds Jennifer Darby Metzger. “Their market expertise and experience, combined with the amazing support of our office staff, resulted in their reaching and exceeding their goals.”

 

Want to work with one of our award-winning team members for your real estate needs? Call 201.939.7500. We are conveniently located at 118 Jackson Avenue and 57 Park Avenue, in Rutherford, NJ.

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2020 • agents • award winners • Fara Espandi • lee schilare • Libera Schilare • February 12, 2021

ERA Justin 2020 Top Producers

by ERA Justin

ERA Justin Realty Co is proud to announce that Libera “Lee” Schilare and Fara Espandi were named the company’s top agents in 2020 based on sales volume and units.

 

Lee Schilare received the honor based on the number of units she achieved in 2020 for the company. This marks the second year in a row that Lee has earned this achievement and she was also top agent in sales volume last year. Lee achieved Gold level for the New Jersey Realtors (NJR) Circle of Excellence and ranked among the top ten in volume of all ERA Real Estate associates in the State of NJ. In addition to these accomplishments, Lee holds several real estate designations including ERA Distinctive Properties, 5 Star Professional, and Real Estate Negotiation Expert (RENE).

 

Fara Espandi received the honor based on the sales volume she achieved in 2020. Fara achieved this honor in 2018 as well along with most units sold. Fara is a lifetime member of the NJAR Distinguished Sales Club, a NJ Monthly Five Star Professional, and was recognized as a Bergen County Top 1% real estate agent for the last two years. Fara achieved Gold level for the New Jersey Realtors (NJR) Circle of Excellence as well as earning a position in the top ten in volume of all ERA Real Estate associates in the State of NJ. A knowledgeable and experienced agent, Fara holds several real estate designations including SFR and ERA Distinctive Properties.

 

“Fara and Lee are dedicated real estate professionals who strive to achieve impressive results for their customers. They work diligently to help their clients obtain their real estate goals and dreams and it is this commitment that drove them to become our top producing agents last year,” said Ron Darby, Broker/Owner of ERA Justin Realty Co. “We are so proud to have them as an essential part of the team.”

 

If you’re looking for expert real estate advice, call Lee or Fara at the office at 201.939.7500. ERA Justin Realty Co is conveniently located at 118 Jackson Avenue and 57 Park Avenue in Rutherford, NJ.

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equity increase Three Ways to Use Home Equity If you’re a homeowner, odds are the equity in your home has grown substantially over the past few years. Home prices skyrocketed all around.  “Even though home prices are starting to normalize, the average homeowner with a mortgage has around $300,000 in equity right now,” says Lee Schilare, Sales Associate at ERA Justin Realty, “That’s […]
Antonella Dinnino Congratulations to our 2022 NJ REALTORS Ⓡ Circle of Excellence Winners ERA Justin Realty Co. is proud to congratulate twelve of its agents for being named the New Jersey Association of Realtors (NJAR) 2022 Circle of Excellence Sales Award winners. NJAR recognizes top producing real estate members who have demonstrated excellence in the field of salesmanship.   “We are thrilled to once again celebrate an impressive […]
Carol Calamari ERA Justin Realty Celebrates 2022 Leaders Award Winners Company is the top selling real estate brokerage in Rutherford, 22 Years Running ERA Justin Realty, the top residential real estate brokerage in the Rutherford area, is proud to announce the winners of its Leaders Award for 2022.  They are: Fara Espandi, Julia Dagistanli, Lee Schilare, Carol D. Calamari, Jennifer Sullivan, Cathy Vick, Rosemarie Zembryski, […]
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