A Seller’s Guide to 2022

Discussing three market factors that are making now a great time to list.

Based on the current market conditions, this could be the perfect time to list your property. Here are the three market factors that make this a great time to list:

1. Supply is still lacking. Coupled with ongoing supply chain issues, experts predict that this trend will continue through 2022. 

2. Prices are still rising. After another strong year, we might see the rate of appreciation slightly slow down this year, but homes will still increase in value.

3. Rising interest rates. The average interest rate on a 30-year fixed-rate mortgage is about 3%. However, the Federal Reserve recently announced that it will wind down its bond purchases, which will cause rates to increase. This may cause even more buyers to enter the market now to try and secure a home like yours before higher rates make it less affordable.

Now is the time to act if you’re looking to sell. You can take advantage of the current high prices and low inventory to sell quickly and for top dollar. If you have any questions, don’t hesitate to reach out to us by phone or email. We look forward to hearing from you.

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Why Winter Is a Good Time To Sell

Here are three reasons why winter is an amazing time to sell your home.

Is winter a good time to list your home for sale? I get asked this question quite

a bit this time of year. Luckily for you, the answer is always yes; the winter

months are a wonderful time to sell. We typically sell a lot of homes during the frosty months, and here are a few reasons why:

1. Less inventory. In the winter, our market has much less inventory than during the spring, which is fantastic for sellers because low inventory means less competition. You’ll close closer to your list price and more buyers will be interested in your home. 

2. Serious buyers. Buyers tend to be more serious in the winter. I always say that if they’re going out into the cold, they’re serious about buying. Plenty of people don’t want to move in the winter, but there are multiple reasons why a move may be needed such as a divorce, a marriage, a baby, or they’ve finally saved enough money to buy a house. You’ll have fewer showings with more motivated buyers.

"The winter months are a wonderful time to sell."

3. Relocators. Numerous companies relocate employees in January or at least begin the relocation process. That’s a large wave of people needing to buy during the winter season. 

All these reasons and many more are why you should consider taking

advantage of the real estate market in the winter. As always, if you have any questions about selling or real estate in general, we are here to be of service. Don’t hesitate to call or email us. We would love to help you.

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Q: What Projects Have the Best ROI?

These three simple home updates will get you the best ROI when selling.

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What upgrades will get you the best return on your investment when selling your house? To get the maximum value out of your home projects, focus on smaller tasks; they can actually have a larger impact on the aesthetic appeal of your house without breaking the bank. Here are three of the best ROI updates:

1. Small bathroom remodel. This could be as simple as getting new countertops, repainting to a brighter color, or re-tiling the shower. All these projects will have a massive impact without having to completely demolish the bathroom. These projects alone can bring a 102% return on your investment.

2. Update landscaping. Landscaping is the first thing buyers see when looking at your property, aka curb appeal. You can simply add fresh mulch and plant flowers. You only get one chance to make a wonderful first impression, and vibrant landscaping can certainly boost curb appeal. The average investment for landscaping is a bit pricier: $3,500. However, it almost always has a 100% return on investment.

3. Minor kitchen facelift. Repainting the cabinets and getting new hardware will make an outdated kitchen feel new again. These modest changes can bring around a 97% return on investment.

Landscaping is the first thing buyers see when looking at your home.

We have excellent connections with contractors and designers that can help with any of your home project needs. If you’d like a referral or have other real estate-related questions, please feel free to give us a call at (201) 825-1266 or email us anytime. We’d love to hear from you. Most importantly, at this time, please stay safe and healthy.

4 Questions Pet Owners Should Ask Themselves When Moving

There are four questions that pet owners need to ask when they buy a home.

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Make sure to ask these four questions if you’re searching for a new house for you and your animal companions:

1. What are the local pet laws? It’s not guaranteed that pets will be welcome in your new neighborhood, so make sure that you check your city and state laws for breed restrictions or limits on the number of animals that are allowed in a home.

2. Does the house have pet-friendly floors? Carpet is bound to be destroyed by claws and dirt, so we recommend that you opt for distressed hardwood floors instead. Your pet and wallet will thank you.

3. Can your pet handle the stairs? If your pets are growing older, consider whether they’ll be okay with the stairs in a multi-level property. To help your pets travel up and down with ease, look for a place with a carpet runner on the stairs.

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It’s not guaranteed that pets will be welcome in your new neighborhood, so make sure that you check your city and state laws for breed restrictions or limits on the number of animals that are allowed in a home.

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4. Is the neighborhood safe for pets to roam? Your four-legged friends need plenty of room to walk and play, so when you’re shopping for houses, make sure to peek around the neighborhood for parks and walking trails that are close by. You’ll both be very happy you did.

 If you have any questions about this or other real estate topics, we encourage you to reach out to us. We’d love to speak with you. 

Focus on These 2 Rooms When Preparing Your Home for Sale

When buyers view homes in person, their focus tends to shift toward two main areas of a home. Knowing what they are will help you maximize your sale price.

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When buyers are looking at properties, they tend to focus on two main areas of a house: 1. The kitchen. Everyone gathers in the kitchen. If you’re thinking about upgrading your home to add value before selling, focus on this area. Modern-style kitchens are very popular right now. Buyers like to see lighter shades in the cupboards and countertops. It’s also OK to add in a few traditional elements, but stay away from rounded countertops, because those have really fallen out of fashion.

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If you’re going to spend money on upgrades, spend it in these two places.

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2. The master bathroom. Buyers love to see upgraded master showers, freestanding tubs, and tile flooring. If you have carpet in your bathroom around the toilet or tub area, that must go. It’s a complete no-no. It's a huge turn-off for buyers. Buyers prefer light colors here as well.

If you’re going to spend money on upgrades to attract buyers and add value to your home, these are the two main areas you’ll want to focus on. If you want any further tips or have any other questions that we can answer for you, don’t hesitate to give us a call or send us an email. We look forward to hearing from you soon.

Key Trends to Watch in 2019

We’ll be seeing a change in inventory and a new generation in our market in 2019.

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There are a few trends we’ll be seeing as we make our way through 2019.

For several years, we’ve had a very low amount of home inventory in our market. More homes are coming on the market, but they’re still not enough to keep up with buyer demand. Nationwide, inventory hit the lowest level in recorded history last winter and only recently began to recover. We expect this growth to continue, but not at a large rate—we predict around 7%.

Just a few years ago, most millennials were barely old enough to buy a home. Now they make up the majority of the home buying market, and this will continue to be the case in 2019. Currently, this generation accounts for about 45% of mortgages, compared to baby boomers at 17% and Gen Xers at 37%. And the homes millennials are buying aren’t just starter homes—many are already moving up.

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Inventory hit the lowest level in recorded history last winter and only recently began to recover.

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If you have any questions about the landscape of the 2019 market, need further information, or would like to talk about your home buying or selling needs, reach out to us at 201-825-1266 or send an email. We look forward to hearing from you soon.

4 Tips for Building Your Credit Without a Card

Paying down your credit card isn’t the only way to build good credit. Here are four equally-as-effective alternatives.

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It really is possible to build credit without a credit card–you’ll just have to take a different approach. If you don’t trust yourself with a credit card quite yet, here are some tips:

1. Start repaying your student loans. Assuming you have them, you can start repaying your loans while you’re still in school to begin building your credit score. Waiting until you’ve graduated is also an option. Either way, be sure to pay on time each month to build your score without a card.

2. Use a credit builder loan. This is similar to a secured credit card. Once you’re approved, the funds in the loan are placed in a savings account or a CD until you’ve repaid the loan. At that point, the money in your savings is yours to keep. 

3. Repay a mortgage or car loan. Since both mortgages and car loans report to credit bureaus, either of these will help you build your credit score. The difficult part in getting approved for either of these without an established credit history can be remedied by having a steady income and a good down payment. 

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A credit builder loan is similar to a secured credit card.

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4. Make sure you pay your rent and all your bills on time. Also, beware of advanced fee loans and other loan scams that prey on people with no or bad credit. These loans typically guarantee approval and ask for some type of upfront payment. Be careful.

As always, if you have any questions about your credit or about real estate in general, don’t hesitate to give us a call or send us an email today. We look forward to hearing from you soon.

Silly Things That Could Sabotage Your Home Sale, Pt. 2

Poor furniture arrangement, junk drawers and crammed cabinets, over-filled closets, and cluttered countertops could sabotage your home sale if you’re not careful.  

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Last time, I discussed five seemingly minor things that you should avoid doing at the risk sabotaging your home sale (which you can recap here). Today, I'll continue the discussion with four more silly things to watch out for before you list your home on the market:

6. Poor furniture arrangement. You might be rolling your eyes right now and thinking “What do you mean? You don’t like the way my living room is laid out?” or “How could that make a difference in whether or not my home sells?” Think back to when you saw the home you’re living in for the first time. Were you able to picture your own furniture in there or was the space too cluttered with the previous owners’ furniture? We’re not saying there’s anything wrong with your furniture or how it’s arranged, but you have to look at things through the eyes of a potential buyer and take yourself out of the picture. 

7. Junk drawers and crammed cabinets. Buyers who are genuinely interested in your home will likely open everything and look everywhere. Don’t get nervous, though—they won’t open any bedroom drawers or anything like that. They will, however, open kitchen drawers and cabinets to get an idea of how much storage the home has. This is why decluttering is key. You may be forgiven for having one junk drawer, but the neater and cleaner you can make everything else, the better. You want people to see your space, not your stuff. 

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   You have to look at things through the eyes of a potential buyer

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8. Over-filled closets. The need to showcase your space, not your stuff, goesdouble for closets. Whether it’s a hallway closet or a master suite walk-in closet, your home’s closets will make a major impression on prospective buyers. Again, you need to look at these areas through the eyes of a buyer and box-up any offseason apparel or put away anything you’re not using. Just like with drawers, they’ll want to see how their stuff will fit in your closets, so it really pays off to have them clear and organized. 

9. Cluttered countertops. Eliminating (or at least cutting down on) clutter in your home is key to getting it sale-ready. This is especially important in kitchens and bathrooms. While people may be impressed by your professional-looking juicers, blenders, espresso machines, etc., they’re much more interested in knowing whether they’ll have ample countertop room for their own stuff. 

As always, if you have any questions about this or any other real estate-related topic or you’re thinking of buying or selling a home soon, don’t hesitate to reach out to us. We’d love to help you. 

Protect Yourself Against These 3 Real Estate Scams

 There are three real estate scams I’ve become aware of recently that you need to know how to protect yourself against. 

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It can be a scary world out there. While the majority of people are good and honest, a few bad apples always try to take advantage of others.

Unfortunately, the real estate market is no different. Today I wanted to let you know about some real estate scams I've become aware of recently:

1. The mortgage closing scam. This scam is spreading across the country. It has become so prevalent that the FBI estimates it has led to over $1 billion in stolen or diverted funds in 2017 alone. It starts when hackers gain access to a real estate agent's email account. Then, when it's time to close a deal, the hackers, posing as the real estate agent, send instructions to the homebuyer on where to wire the money.

Of course, it is only after the buyer has sent thousands of dollars to an unknown bank account that the truth comes out—the real estate agent wasn't actually the one reaching out, and the buyer has been scammed.

2. Fake real estate lawyers. This scam is similar to the first one, in that the scammers will impersonate somebody legitimately involved with a deal. In this case, the hackers will impersonate a real estate lawyer who is associated with a particular home sale.

Then, at the time of closing, they will contact the buyer, either by email or over the phone, and tell them the wire destination has been changed. If this scam works, the homebuyer could again be out thousands of dollars.

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Find a real estate agent you trust to represent your best interests.

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3. The bait-and-switch. Unlike the first two scams, this scam targets sellers. It also doesn't require any hacking or impersonation—just a dishonest buyer. Here's how it works: A buyer makes an offer that's well above the listed price, the seller happily agrees, and the contract is signed.

But then, the buyer starts procrastinating, making excuses, and dragging out the process for months or even a year. In the meantime, the seller continues to pay costs for the home, and is getting more and more emotionally worn out. In the end, the unscrupulous buyer flatly says they can only buy the home at a lower price, usually under the listed price. And the seller, desperate by now, frequently agrees.

So, how can you protect yourself against these and other scams?

For one thing, avoid sending account information over email. Confirm everything over a phone call (to a number that you already know to be valid)—or even better, in person. And ultimately, find a real estate agent you trust to represent your best interests. 

If you are ever in need of a trustworthy real estate agent, my doors are always open. If you have any other questions or you are interested in buying or selling a home, don’t hesitate to give me a call or send me an email. I would be happy to help you.

How Can You Find a Great Agent Anywhere in the Country?

Being a part of Keller Williams Realty allows us to help you find a great agent anywhere in the country.

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Are you moving to another part of the country but you’re not sure where to find the best real estate agent in that area? You’re in luck.

Being a part of Keller Williams Realty allows my team to help you in New Jersey and other parts of the country. We’ve formed relationships with many people in a variety of industries. Anywhere in New Jersey, we can put you in contact with the best agent in town.

If you’re considering an out-of-state move, we have top connections with mortgage brokers, financial planners, accountants, and contractors all around the country. Whether it’s New York, California, or anywhere in between, just let us know your needs and we’ll make the conversation happen.

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We’ve formed relationships with many people in a variety of industries.

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We’re also here for any other real estate needs you may have as well. We’re grateful to be your real estate resource, and we’re ready to serve you, your friends, relatives, and neighbors in any community.

If you have any questions at all or you’re thinking of buying or selling a home, don’t hesitate to reach out to us. We’d be happy to help you.

What 4 Things Will Bring More Calm to Your Life?

Managing stress is a skill that takes practice. Here are a few tips to help you out.

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Everybody feels stress. A little bit of it can be a good thing and help you improve your life by helping you push through obstacles. It helps us evolve, too. However, too much stress is not healthy. That’s why managing stress is something we should all practice.

Being calm is a skill and it takes time to learn, just like playing a sport or an instrument. However, just like football and the piano, the key to mastering calmness is practice. Here are four different ways you can practice serenity so that when the pressure mounts you will be ready to deal with it:

1. Focus on your breathing. This is the easiest tip to follow because it’s something you can do any time. Just take a minute or two to focus on your breathing and nothing else. If your mind starts to wander, gently bring it back to the feeling of the air moving in and out of your body.

2. Practice deep breathing. Research shows that few of us actually use our full breathing capacity. Instead, we take short and shallow breaths. Remind yourself a few times a day to take deep, deliberate breaths. You’ll start to notice a change in your demeanor.

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Managing stress is a useful skill for anyone.

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3. Laugh. Laughing has been shown to reduce the stress hormone, cortisol. Whether it’s a tweet, video, or funny friend on speed dial, simply having a laugh can help greatly reduce your stress.

4. Music. Make a playlist full of songs that put you at ease. Listen to some songs that bring back fond memories.

These tips will help ease you into practicing calmness. Whether you’re feeling peaceful or stressed, you can practice these tips and develop them into a weapon to use when you are in a stressful situation.

If you have any questions for us about managing stress or any questions about real estate, give us a call or send us an email. We look forward to hearing from you.

5 Ways to Spoil Your Dog

Feel like pampering your beloved family pet? These are my five favorite ways.

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Just how much would you say you love your dog? Enough to spoil them? If so, it's your lucky day because I want to share with you a list of five easy low-cost ways to spoil your dog.

1. Walk a new route: It's vital to walk your dog regularly even if you have a yard. It's not just a way to pass the time for dogs, it's an important exercise for mental stimulation. Try changing routes every few days to keep your dog excited and alert. It will also help teach them about the neighborhood in case they get lost.
2. Make them a personalized meal: It sounds extravagant, but it's easier than you think and you can find recipes online. Be sure to avoid harmful food like onions, raisins, and chocolate. 
3. Go for a ride: Dogs absolutely love car rides, and unlike people, the destination rarely matters to them. Talk to them as you ride, too.


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Social trips to the vet will make the necessary trips down the road less stressful.

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4. Full-service scratching: It doesn't cost a thing to pamper your dog with one of their favorite things—scratches! Dedicate five or 10 minutes to it, and for that time, your dog will feel like the top dog.
5. A social vet visit: It may sound torturous, but many people don't realize that you can take your dog to the vet for a social visit. They'll not only enjoy the visit with other animals, it will help them associate the vet's office with good times. This will make future visits less stressful.

If we can be your community resource in any way, don't hesitate to reach out to us. We look forward to helping you!

How to Help Your New Jersey Home Stand Out When Selling

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Today we are going to talk about the secret to a successful home sale in New Jersey. Investing in property is a good way to produce a nice return on investment. To ensure your home sells for its market value, there are a few things to consider to make sure the house appeals to buyers. Honest selling is always a recipe for success in any business relationship.

If you’re planning on selling in the near future, you’re in luck. We have five tips for you to make sure your sale is a success. Here they are:

1. Declutter

First impressions last and the way buyers see your house for the first time will determine their overall opinion of it.

2. Clean

The best way to give your home a good look is by cleaning it. Do a deep clean, getting every nook and cranny both inside and outside of your home. Doing this will highlight the most important features of your home.

3. Lighting

Poor lighting will make your house look small, dark, and unappealing. Make sure each room is illuminated, either with interior lights or sunlight from the outside.

4. New paint

A fresh coat of paint will make the home look brand new. Neutral colors work best.

5. Stage your home

As we’ve already mentioned, it’s the little things that make all the difference. By staging your home, you’re making sure every room looks attractive to buyers. We can give you advice on how to set up your existing furniture, or help you get new furniture in there temporarily.

By following these 5 tips, you will give your New Jersey home a much better shot at selling this spring. If you have any questions for us, feel free to give us a call or shoot us an email. We look forward to hearing from you!

What's the Difference Between Home Inspections and Appraisals?

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Today we wanted to speak to you about two real estate processes that often confuse our clients. They are home inspections and appraisals. What are the benefits of each, and how do they differ?

Appraisals are done for the bank. The buyer will pay for this as part of the closing costs. The purpose of the appraisal is to ensure that the bank isn't loaning too much money on the property. It's highly regulated by federal guidelines for mortgage underwriting.

In short, an appraisal determines a property's value, and protects the bank from over-lending. It's unusual to have any problems with this part of the process, unless the home is grossly overpriced.

Home inspections are performed to determine the condition of the property. An inspection gives the buyer a clear picture of the condition of the home. The inspection is typically done within five to seven days after the purchase agreement, and is paid for by the buyer.

The inspector comes in and does a very thorough walkthrough of the property with the buyer, which can take up to three or four hours. Then the inspector submits a 10-25 page report. If there are items of concern that need to be addressed, the buyer and the seller negotiate through their attorneys. Once they come to an agreement, the inspection contingency is completed.

If you have any questions about these two real estate processes, give us a call or send us an email. We would love to ensure that you are a knowledgeable buyer or seller so you make nothing but the best real estate decisions.

How to Close Your Deal

Northern New Jersey real estate agent discusses tips on how complete your real estate deal

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Most people aren't trying to kill their real estate transaction - rather, they unwittingly make a mistake that leads to the termination of the deal. Today, we want to give you a few tips on how to avoid such an unfortunate situation.

If you're selling your home, you need to avoid pushing buyers over the limit. You don't want to ask for too much. You don't want to let the buyer put one over on you, but you have to know a good deal when you see one.

As a buyer, you need to stick to your terms. You want to make the time periods for inspections and closing move along smoothly. You also want to have as few contingencies as possible.

One of the most important things you need to do when negotiating is strip away all emotion about the transaction and deal only with the facts. This will keep you on track to a successful closing.

If you have any questions about this stage of the real estate transaction, or if you need real estate assistance, we are happy to help!

Thanks for your time. Please reach out to us for any questions at any time. Enjoy your day.

Why Is Now the Time to List Your Northern New Jersey Home?

Bergen County real estate expert discusses why now is a great time to sell your home for top dollar.

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Hi, I’m Debby Adler with the Adler home team and today I wanted to speak to you about why now is the time to list your home.

Just about every home that is in great condition and priced well is receiving multiple offers, which is great news for sellers. It's an active market and we are here to help. 

Inventory is down in the last 6 months. As a result, we have fewer homes on the market now than we did in November, which is usually a dead time for home sales, so that says a lot about the volume of buyers in our market. If you or someone you know has considered selling, now is the time to sell quickly and get top dollar for your home.

Also take into consideration: all major interest rate analysts are predicting rates to rise significantly by 2016. The National Association of Realtors, Fannie Mae and Freddie Mac, all predict that rates will be near 5% by the second quarter of 2016! If this busy market wasn't enough to convince you now is the time to move, rising rates should! 

If you want more detailed information about where our market is heading, or when you have any questions about real estate, please feel free to give us a call or email us. 

Thanks for your time. Enjoy your day.

How Can You Make the Most of Your Northern New Jersey Home Renovation?

Bregen County Real Estate Expert discusses the importance of renovating with care. Gives simple tips to avoid costly mistakes.

There are many great Northern New Jersey area homes for sale. Click here to perform full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call me at (201) 825-1266 for a FREE home buying or selling consultation to answer any of your real estate questions.

 

Hello, and welcome back! Today, we want to share some quick tips on remodeling! 

For most homeowners, selling a home is an event that takes place once, maybe twice, in their lifetime. The experience is completely foreign to them, and they may be carrying old ways of thinking into a process that has changed over time. Because of this, we recommend that you proceed with caution before remodeling your home. 

Besides keeping a neutral color palette throughout the house and updating kitchens and bathrooms to a modern state, remember that less is more when preparing your home for the market! Depending on the market, your home may already be at the maximum limit in terms of value. If that's the case, putting money toward renovations and upgrades to the property could end up being a waste of your money! 

If you want to sell your home soon, the last thing you want to do is start a lengthy renovation project. Before you make the decision to make changes to your home, we recommend sitting down with a real estate professional to discuss your options. It's in your interest to know the value of particular renovations before they're under way.

Don't hesitate to give us a call or shoot us an email with your questions and concerns. We would love to hear from you!

Thanks, and have a great day!

9 ways to prepare your home for winter

There are many great Northern New Jersey area homes for sale. Click here to perform a full home search, or if you're thinking of selling your home, click here for a FREE Home Price Evaluation so you know what buyers will pay for your home in today's market. You may also call me at (201) 825-1266 for a FREE home buying or selling consultation to answer any of your real estate questions.

 9 ways to prepare your home for winter

Hi, I’m Debby Adler with the Adler home team. Today we wanted to speak to you about how you can prepare your home for winter. Now that the Polar Vortex has left us freezing, it's important to protect your home from the potential damages of extreme temperatures, snow and ice. Here are some ways to keep your property safe!

1.    Get your furnace inspected, cleaned and tuned up. It will save you hundreds of dollars each winter.
2.    Have your snow blower tuned up.
3.    Prevent ice jams by having gutters cleaned and prepared for winter.
4.    Turn off all exterior faucets. Water should be drained from the line so that you don't have any cracks or bursts during the winter.
5.    Turn on your generator and let it run for a bit.  Be sure to have gas on hand.
6.    Check your sump pump.
7.    Get your chimney inspected. If you plan on enjoying some fires this winter make sure everything is cleaned and inspected to prevent possible accidents.
8.    Weather-strip your doors and set up timers on your lights.
9.    If you are heading out on vacation, turn off the water and the main valve to prevent any cracks or bursts.

Thanks for your time. Please reach out to us for any questions at any time. Enjoy your day.