Tuesday, May 16, 2017

Why YOU Should Trust Your Realtor Over The Zillows Of The World

*CLICK ON THE PHOTO TO READ ABOUT THE LAWSUIT AGAINST ZILLOW*


For all those homeowners and potential buyers out there who swear by Zillow's Zestimate more than the expert advise and services of a LICENSED Realtor who is affiliated with a reputable, trustworthy company, you may want to read the following and rethink this approach.

When online legal services and online medical services came out, some in those fields panicked because they thought they would become obsolete. Funny thing happened though. That computer screen could not properly diagnose or treat you, and it certainly wouldn't go to court to represent you. The same happened when Zillow, Trulia, ForSaleByOwner and others jumped on the real estate scene. Some agents believed their careers were over. I've discovered that my career has become stronger because real buyers and sellers value the personal touch Realtors bring to every deal. They know that a computer screen cannot replace the legitimate human interaction that takes place when buying or selling a home.

Sure, these days most searches for a home begin online. But, did you know that the vast majority of them (over 97%) end up going through a licensed real estate professional? Zillow cannot tell the difference between a home that is so perfect you could eat off the floors and a home that is so "not-perfect" that you cannot eat while sitting in your car and parked in the driveway. Zillow cannot tell the difference between a $35,000 kitchen upgrade and a $35 plastic shelf system. Zillow cannot tell the difference between a dream home and a "MONEY PIT" (reference to the hilarious movie with Tom Hanks & Shelley Long). Zillow will never be able to show you the difference between a home with a great tenant and a brownstone with a nightmare tenant (watch DUPLEX with Ben Stiller and Drew Barrymore).

I always tell people that I would never represent myself in court, self-diagnose myself against any illness, pull my own tooth, work on my own car, do any electrical work at home or prepare my own long tax form because I am not a professional in those fields. Taking on an important task that I don't have a strong working knowledge about is simply foolish, especially when I stand to lose a lot if I make an amateur's mistake. I trust my attorney, my doctor, my dentist, my mechanic, my electrician & my accountant for those tasks. Why would anyone trust one of their biggest lifetime purchases or sales (buying or selling a home) to anyone other than a professional in the field? That just doesn't make any sense. And if you try to do it yourself because Zillow, Trulia, or ForSaleByOwner gave you a boost of "professional confidence", consider the FACT that when ForSaleByOwner.com founder Colby Sambrotto tried to sell his own Manhattan condo using the website and system he created, he had to cave in and eventually hired a Realtor who proved to be worth a lot more than the 6% commission charged for the sale. TIME wrote a story about that: (http://business.time.com/2011/08/17/fsbo-com-founder-sells-condo-using-real-estate-agent/).

Long story shortened, don't shoot yourself in the wallet when selling or buying a home. Hire a professional to do the job. We breathe, sleep and live real estate. It is not what we do part time or whenever we feel like it. This is what we do and those of us that love it are very good at it. You see, when you hire a Realtor, you are hiring a representative with market & industry knowledge that is not learned from the Zillow websites out there. You are hiring a professional who is in the trenches learning what works and what does not work. Give yourself a HUGE advantage. Hire a Realtor.

I am George L. Rosario. I am a Realtor. I am Coldwell Banker Blue!





Google My Name, "George L. Rosario"

-------
George L. Rosario

NYC's Hometown Realtor
Coldwell Banker Kueber
DESK: 347-671-SOLD
CELL: 917-945-4211

Subscribe to our videos at: https://www.youtube.com/playlist?list=PLbM_xKO9QNvyxxxjJrj7stcuu7-5UNreK

Follow Me Online Here:
Website: http://www.GeorgeRosario.com
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glr


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Wednesday, May 10, 2017

8 Solid Reasons Why Owning a Home Is Better Than Renting?




WHY SHOULD YOU STOP RENTING & GET INTO OWNERSHIP?

There are some true advantages to home ownership, especially in a place like New York City where renters are already paying more for rent than some people around the country pay for the mortgage on an upscale home. We are going to skip the old talking point of 'when you own a home you get some or all of the money you put into that home back when you move out, while renting gives you back a security deposit if you didn't cause any damages to the apartment.' I'm sure you've already heard it numerous times.

WHICH GIVES YOU MORE LEVERAGE?
Let me talk to my market investors first. You folks understand that the secret to being successful in the investment world is leveraging an investment with a manageable amount of money. The beauty of real estate ownership is the opportunity it provides a home owner to leverage a large investment with a small amount of money, and in some cases none of your money at all. While the market has become hugely competitive, there are still ways to purchase a home with little to no money down. The best way to figure this out is to speak to one of our preferred lenders. They are the most knowledgeable professionals when it comes to government programs and alternative lending tactics to help qualified borrowers to purchase their first home. 

PAYING OFF A HOME VS. SAVING MONEY IN A BANK.
Now let's talk about the equity on your home and what that means for your earnings and savings. If you put your money in the bank during our great savings programs, even if you put your money into a CD account, you are not growing your money at a rate greater or equal to the current rate of inflation. That means that your money is not earning you any note-worthy growth, while its buying power goes down. Would you agree that $10 does not buy you the same as it did just 10 years ago? Would you agree that the bank didn't pay you enough interest on those $10 to keep up with the decreasing buying power of that $10? Owning a home puts your money to work for you by growing in value quicker than your savings would have. So owning a home, as long as you own it responsibly and can make your mortgage payments comfortably, will increase the buying power of your money.

WHICH GIVES YOU GREATER TAX ADVANTAGES?
Owning a home gives you added tax advantages that will help you keep more of the money you earn. Owning a home allows you to fill out a long form tax form that allows you to claim more deductions that you would not have been able to claim if you were a renter. Your accountant can help you figure out how to completely benefit from home ownership during tax season. Tax professionals can show you how to claim extra dependents, use that additional net pay to make a higher mortgage payment because with your interest rate deductions, tax deductions and long form deductions, you probably will not have increased tax liability but may even pay less taxes. The significant savings from tax benefits can often make owning the same as, or cheaper than, renting. Consult your tax professional to figure out how to do this properly.

YOUR MORTGAGE WILL EVENTUALLY BE A LOT LESS THAN THE AVERAGE RENT.
Now here is a benefit of home ownership that has truly hit the renters in our great city the hardest. Rents have skyrocketed. Home owners have discovered that if they secure a fixed-rate mortgage when they buy their home, the mortgage payments can never go up. Renters in rent controlled buildings don't worry much about the rapid increases in rent, but for the vast majority of New Yorkers, their monthly rent goes up every year. I will give you an example of the drastic changes. If you read when it is written (May 2017), and you live in a 2 bedroom apartment in somewhere like Ridgewood Queens, you could pay anywhere from $1,800 to $2,500 for that apartment. If you read this next year, or a couple of years down the road, you will see an increase. You see, a 2 bedroom apartment in Ridgewood was renting for about $1,500 a month just two years ago. A homeowner on the other hand will know what the bulk of his monthly mortgage payments will be for the duration of the loan (15-30 years). That payment that may be higher than the going rates for rents today will seem like a bargain 5 years down the road. Of course home owners have other costs like mandatory insurance (which renters can choose whether to purchase renter's insurance), property taxes (which is one of the tax deductible items on your long form during tax season), and maintenance fees. The benefits for the homeowner still outweigh those to the renter. 

NO LANDLORD CAN KICK YOU OUT OF YOUR OWN HOME.
Scenario A: It's a Saturday morning and you hear a knock on your apartment's door. You open to see that it's your landlord. It's not the 1st so you know she's not there to collect the rent. She says hello, smiles and then looks like she feels horrible about delivering bad news. Her daughter just graduated college and is moving back home. The landlord needs the apartment for her daughter. You have to move out. Scenario B: You go to pay the rent and the owner says, keep this month's rent and use it for a deposit on a new apartment. You have just been asked to move out quickly and quietly. Scenario C: You get a knock on your door. It's your landlord with a Realtor. Surprise, your landlord is selling this home and the buyer wants the home delivered vacant. The landlord wants you to move and since he never gave you a lease (4 family or less does not have to give a lease), you have very little choice but to comply or face eviction, which leaves a permanent mark on your record. Scenario D: You check your mail and find a letter that says the owner of your home is in foreclosure for failure to pay the mortgage. The bank wants you to move so they can do a short sale on this home. Scenario E: The landlord got wind that your new neighbors up the block are paying much more than you are for similar space. Scenario F: You sacrificed in past years to save up for a down payment, bought a home and are now living in your space. No one other than the bank, and only if you default on your mortgage, can come knocking with some excuse for why they need you to move. I will add one more scenario. You wait until you retire to realize that you can no longer afford to rent in the neighborhood you love because your income has been cut in half. If you bought a home, it would have either been paid off or you could now sell it and move to the neighborhood you love with some money in your pocket.

FORGET THE NEW YEAR'S RESOLUTION TO SAVE MORE.
Owning a home is like a forced savings account. Have you ever made a new year's resolution and promised that you would save "X" amount of money every pay period? How did that go for you? Most people make a plan to save money in a savings account but end up spending that money on the unexpected things in life, like that sale or that discounted vacation that will always cost you more in the end. A mortgage payment is a way of saving money without the choice of splurging on unneeded, spontaneous purchases like one more dress or one more electronic item. A portion of your monthly payments is paying down the loan on the house, which adds equity to that home, and forces the owner to invest in hos own home rather than paying off the mortgage for an owner whom they rent from. Remember, even if only a portion of your mortgage payment is actually being applied to pay down the loan, it is still a more than the zero percent of rent money that is applied to anything the renter can benefit from at the end of the lease term. The monthly rent is paying off the landlord's mortgage, which puts buying power and money into the owner's pocket, not the renter's pocket.

THE HOME YOU OWN IS THE HOME YOU CUSTOMIZE:
Finally, my favorite benefit of owning a home as opposed to renting. A homeowner is free to make changes to a home that the renter cannot. A homeowner can paint his bathroom black, the ceilings purple, the bedrooms orange and living room in green and yellow squares next to the lime green dining room and cherry red kitchen. OK, so I went overboard with the color scheme but it goes to prove that as a homeowner, you can use whatever color scheme you want to use for your home. A renter has to ask permission to change the wall colors from white to off white. Never mind changing the layout of the place. Renters may need permission to hang up a shelf while homeowners can knock down walls and put a hot tub spa in the middle of their living room. Homeowners are not purchasing a home, they are purchasing creative freedom for their living space.

So here is a list of just a few of the benefits of home ownership. From tax and financial advantages, to peace of mind and creative freedom, home ownership definitely has it's advantages. While many will argue that renting gives you the freedom to move at a moment's notice, please understand that moving from one rental unit into another rental unit often means paying a considerably higher rent for the same or smaller space. 

Please leave your comments and questions below. If you would like to see me write about any real estate related subject, ask away.



Google My Name, "George L. Rosario"

-------
George L. Rosario

NYC's Hometown Realtor
Coldwell Banker Kueber
DESK: 347-671-SOLD
CELL: 917-945-4211

Subscribe to our videos at: https://www.youtube.com/playlist?list=PLbM_xKO9QNvyxxxjJrj7stcuu7-5UNreK

Follow Me Online Here:
Website: http://www.GeorgeRosario.com
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Twitter: https://twitter.com/BIG_George_NYC
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glr



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11209 #Bedford-Stuyvesant 11205, 11206, 11216, 11221, 11233 #Bensonhurst 11204, 11214, #BathBeach 11214, #BoerumHill 11201, 11217 #BoroughPark 11219, #BrightonBeach 11235, #BrooklynCollege 11210, #BrooklynHeights 11201 Brooklyn Navy Yard 11205, Brower Park 11213, Brownsville 11212, Brushwick 11221, 11237, Canarsie, 11236, Carroll Gardens 11231, Clinton Hill, 11205, Cobble Hill, 11201, Columbia Heights, 11231, Coney Island, 11224, Crown Heights, 11225, 11213, Cypress Hills, 11208, Ditmas Park, 11218, Downtown Brooklyn, DUMBO, Dyker Heights, 11228, Flatlands, 11234, Fort Greene, 11205, Fort Hamilton, 11209, Gowanus, 11217, Gravesend. 11223, Greenpoint, 11222, Greenwood, 11232, Homecrest, 11223, 11229, Industry City, Bush Terminal, 11232, Jamaica Bay, Kensington, 11218, 11223, 11229, Kings Highway, 11229, Kings Plaza, 11234, Madison, 11229, Manhattan Beach, 11235, Marine Park, 11234, Midwood, 11230, Mill Basin, 11234, Park Slope, 11215, 11217, Parkville, 11204, Prospect Heights, 11238, Prospect Lefferts Gardens, 11225, Prospect Park South, 11226, Red Hook, 11231, Sea Gate, 11224, Sheepshead Bay, 11235, Starrett City, 11239, Stuyvesant Heights, 11233, Sunset Park, 11220, 11232, Vanderveer, 11210, Vinegar Hill, 11201, Weeksville, 11213, Williamsburg, 11206, 11211, 11249, Windsor Terrace, 11215, Prospect Park, 11215, Arverne, 11692, Astoria Heights, 11370, Astoria, 11102, 11103, 11105, Auburndale, 11358, Bay Terrace, 11360, Bayside, 11359, 11360, 11361, Bayswater, 11691, Beechhurst, 11357, Bellaire, 11427, 11428, 11429, Belle Harbor, 11694, Bellerose, 11426, Blissville, 11101, Breezy Point, 11697, Briarwood, 11435, Broad Channel, 11693, Cambria Heights, 11411, College Point, 11356, Corona, 11368, Ditmars, 11005, 11370, Douglaston, 11362, 11363, Dutch Kills, 11101, East Elmhurst, 11369, 11370, 11371, Edgemere, 11690, Elmhurst, 11373, Far Rockaway, 11096, 11690, 11691, 11692, 11693, 11694, 11695, 11697, Floral Park, 11001, 11002, 11003, 11004, 11005, Flushing 11351, 11352, 11253, 11354, 11355, 11356, 11357, 11358, 11359, 11360, 11361, 11362, 11363, 11364, 11365, 11366, 11367, 11368, 11369, 11370, 11371, 11372, 11373, 11374, 11375, 11376, 11377, 11379, 11378, 11380, 11381, 11385, 11386, 11390, Forest Hills Gardens, 11375, Forest Hills, 11375, Fresh Meadows, 11365, 11366, Fresh Pond, 11385, Glen Oaks, 11004, Glendale, 11385, Hammels, 11693, Hillcrest, 11365, 11366, Hollis Hills, 11427, Hollis, 11423, Holliswood, 11423, Howard Beach, 11414, Hunters Point, 11101, Jackson Heights, 11372, 11370, Jamaica, 11405, 11411, 11412, 11413, 11414, 11415, 11416, 11417, 11418, 11419, 11420, 11421, 11422, 11423, 11424, 11425, 11426, 11427, 11428, 11429, 11430, 11431, 11432, 11433, 11434, 11435, 11436, 11437, 11451, 11499, Jamaica Estates, 11423, 11432, Jamaica Hills, 11432, Kew Gardens Hills, 11367, Kew Gardens, 11415, 11418, 11424, Laurelton, 11413, LeFrak City, 11368, Linden Hill, 11354, Lindenwood, 11414, Long Island City, 11101, 11102, 11103, 11104, 11105, 11106, 11109, Little Neck, 11362, 11363, Malba, 11357, Maspeth, 11378, Meadowmere, 11422, Middle Village, 11379, Murray Hill, 11358, Neponsit, 11694, New Hyde Park, 11040, 11042, North Shore Towers, 11005, Oakland Gardens, Ozone Park, Pomonok, Queens Village, Queensboro Hill, Queensbridge, Ravenswood, Rego Park, Richmond Hill, Ridgewood, 11385, 11386, 11418, 11473, 11374, 11106, 11101, 11355, 11427, 11428, 11429, 11365, 11416, 11417, 11364, Rochdale Village, 11434, Rockaway Beach, 11693, Rockaway Park, 11694, Rosedale, 11422, Roxbury, 11697, Saint Albans, 11412, South Jamaica, 11425, 11433, 11436, 11434, South Ozone Park, 11420, 11436, Springfield Gardens, 11413, Sunnyside Gardens, 11104, Sunnyside, Tudor Village, 11417, Whitestone, 11357, Willets Point, 11368, Woodhaven, 11421, Woodside, 11377, Central Harlem, 10026, 10027, 10037, 10039, Chelsea, Clinton, 10001, 10011, 10018, 10019, 10020, 10036, East Harlem, 10029, 10035, Gramercy Park, Murray Hill, 10010, 10016, 10017, 10022, Greenwich Village, Soho, 10012, 10013, 10014, Lower Manhattan, 10004, 10005, 10006, 10007, 10038, 10280, Lower East Side, 10002, 10003, 10009, Upper East Side, 10021, 10028, 10044, 10065, 10075, 10128, Upper West Side, 10023, 10024, 10025, Inwood, Washington Heights, 10031, 10032, 10033, 10034, 10040, Bronx, glr ‪#‎rosarioshalomayevteam‬ ‪‪#instagood #me #tbt #cute #follow #followme #photooftheday #happy #tagforlikes #beautiful #self #girl #picoftheday #like4like #smile #friends #fun #like #fashion #summer #instadaily #igers #instalike #food #swag #amazing #tflers #follow4follow #bestoftheday #likeforlike #instamood #style #wcw #family #141 #f4f #nofilter #lol #life #pretty #repost #hair #my #sun #webstagram #iphoneonly #art #tweegram #cool #followback #instafollow #instasize #bored #instacool #funny #mcm #instago #instasize #vscocam #girls #all_shots #party #music #eyes #nature #beauty #night #fitness #beach #look #nice #sky #christmas #baby #love #fashion #igers #food #bestoftheday 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#Snapchatnames #Snapchatster ##Followforfollow #Instasnapchat #F4f #Selfie #Likesback #Snapme #S4s #Snapchatselfie #Likesforlikes #Snapchatting #Snap #F4f #Snapchatmemaybe #Snapchatgirls #Sfs #Likesreturned #Addme #Snapchatpic #Snapchatscreenshot #Twitter #Tweet #Twitterupdate #Twittergram #Followme #Tweetme #TopLikeTags #Twitterfollow #Tweetgram #Tweetpic #Followforfollow #Tweets #F4f #Tweetftheday #Tweetagram #Likesback #Tweety #Likesforlikes #Tweeted #Socialmedia #Meme #Tweeter #F4f #Tweettweet #Instatweet #Likesreturned #Tweetstagram #Twitterpost #Tweeting #Tweeters #Facebook #Fb #Facebookstatus #Facebookpage #Facebookpost #TopLikeTags #Facebookstatus #Followforfollow #Morelikes #F4f #Facebookme #Likesback #Followme #Facebooking #Boring #Likesforlikes #Addme #F4f #Socialmedia #Likeme #Likesreturned #Facebookfamous #Facebookchat #Bored #Nothingtodo #Talktome #Kikme #Kik #Snapchatme #Snapchatmenow #NewHome #HouseHunting #Properties #Investment #HomeInspection #CreditReport #CreditScore #EmptyNest #Renovated #JustListed #WantToMove #HateMyHouse #BuyMyHouse #HomeSale #HomesForSale



Tuesday, May 2, 2017

A Little Gary Vee, Tom Ferry and Darryl Davis to Speed-Up My Motivation








There's a trend going on where we have an overwhelmingly large number of qualified buyers in the market right now, and inventory levels in New York are so low right now that there's almost nothing to show them. This is called a seller's market because right now sellers can ask for almost any price for their home (within reason since the property has to appraise for mortgage purposes). Believe me, one of the most difficult scenarios to deal with is having a buyer that qualifies to purchase a 2 family home in Queens NY and not have a single home to show him. This frustration leads to many agents entering a very negative mindset.

Negativity in this industry is nothing new in our industry. We deal with it when we are in a buyer's market as well. This is the type of switch in the market where we have more inventory than there are buyers, and sellers complain that their properties aren't selling quickly or for the price they expect. Buyers have the power in this scenario because they have plenty of homes to choose from. They have the luxury of being a lot pickier when deciding on a home and can often take a couple of weeks to think about their decision. Imagine having sellers call you constantly because you are not bringing them the right offer on their house.

What does that do? It frustrates Realtors and puts them in such a negative mindset that makes this industry very difficult to deal with. Frustration & negativity are contributing factors to the huge number of Realtors who fail in this business. According to NAR 87% of agents fail within the first 5 years in the business. I find it even scarier that 75% of Realtors fail within their first year in the business. These are scary numbers because it tells us Realtors that the odds of making it are stacked against us. Only 13% of Realtors can claim victory after 5 years in the business. Coming into this business without a predefined why, or with a weak mindset that will allow one to become negative will definitely push one towards the side of the quitters rather than the winners.

So how do we stay motivated and positive when the odds are so overwhelmingly stacked against us? Well, you partner up with amazing motivators who can keep you on track. I always suggest that you choose people that motivate you. I mean, there are public speakers, trainers, authors, motivators that some people swear by, but whom I cannot connect with for more than 2 minutes without wanting to jump out of 100 story window. Then there are people I find absolutely motivational and inspirational but who others can't connect with. So look for people who you can connect with.

Here are just THREE people who truly motivate me:

1. Gary Vaynerchuk: I watch, listen and take in some Gay Vee videos, read his books, listen to podcasts, etc. because the dude is on point. We are entrepreneurs as Realtors. We are in control of our own business. If we produce, we get paid. If we don't, we fail. No one gives us a free ticket when we perform poorly. As an entrepreneur, why not listen to someone that absolutely has a strong hold on how to be a successful entrepreneur. Read his books, which you can pick up at your local book store, order them for your Kindle, or order them directly from https://www.garyvaynerchuk.com/books/.

2. Tom Ferry: This is the man that will help you think outside the box and build a business that will be truly fulfilling. I absolutely believe that Tom wants nothing more than to see every Realtor succeed. He is by far the best real estate trainer in the world and will help any Realtor find ways to take their career from the starting line the highest levels of success. What's great about Tom is that he is so energetic when presenting us with information that is crucial to our success. Every time I need some career motivation and direction, I stop by http://www.tomferry.com.

3. Darryl Davis: If you want to get into a positive mindset, where you will be in tune with the feelings of people around you and the feelings inside of you, then you need to follow Darryl Davis. Darryl just has a way with presenting real advice from a best friend or big brother tone that is easy to listen to, accept and apply to your life. You can connect with Darryl Davis at http://darrylspeaks.com/.

Of course there's a HUGE list of great people to listen to when you need to come back to a positive mindset. There this amazing website you can go on to find them. The website is by far the best place to find the motivation that you need. Are you ready for the website? Here it is: G-O-O-G-L-E . COM! That's right! You may have heard of it. Go on there, type in "motivation" and watch what happens.

Well my friends, if you are a Realtor who is falling by the negativity waste side, or if you are an individual who has dealt with an agent that is too negative to speak to, read this, share it, look for people who can help motivate you and pull you back on track, remember your why, the reason why you went into this business, and make it happen.
Google My Name, "George L. Rosario"
------- 
George L. Rosario
NYC's Hometown Realtor
Coldwell Banker Kueber
DESK: 347-671-SOLD
CELL: 917-945-4211


Follow Me Online Here: 

Coldwell Banker: http://www.CBBigApple.com 






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11209 #Bedford-Stuyvesant 11205, 11206, 11216, 11221, 11233 #Bensonhurst 11204, 11214, #BathBeach 11214, #BoerumHill 11201, 11217 #BoroughPark 11219, #BrightonBeach 11235, #BrooklynCollege 11210, #BrooklynHeights 11201 Brooklyn Navy Yard 11205, Brower Park 11213, Brownsville 11212, Brushwick 11221, 11237, Canarsie, 11236, Carroll Gardens 11231, Clinton Hill, 11205, Cobble Hill, 11201, Columbia Heights, 11231, Coney Island, 11224, Crown Heights, 11225, 11213, Cypress Hills, 11208, Ditmas Park, 11218, Downtown Brooklyn, DUMBO, Dyker Heights, 11228, Flatlands, 11234, Fort Greene, 11205, Fort Hamilton, 11209, Gowanus, 11217, Gravesend. 11223, Greenpoint, 11222, Greenwood, 11232, Homecrest, 11223, 11229, Industry City, Bush Terminal, 11232, Jamaica Bay, Kensington, 11218, 11223, 11229, Kings Highway, 11229, Kings Plaza, 11234, Madison, 11229, Manhattan Beach, 11235, Marine Park, 11234, Midwood, 11230, Mill Basin, 11234, Park Slope, 11215, 11217, Parkville, 11204, Prospect Heights, 11238, Prospect Lefferts Gardens, 11225, Prospect Park South, 11226, Red Hook, 11231, Sea Gate, 11224, Sheepshead Bay, 11235, Starrett City, 11239, Stuyvesant Heights, 11233, Sunset Park, 11220, 11232, Vanderveer, 11210, Vinegar Hill, 11201, Weeksville, 11213, Williamsburg, 11206, 11211, 11249, Windsor Terrace, 11215, Prospect Park, 11215, Arverne, 11692, Astoria Heights, 11370, Astoria, 11102, 11103, 11105, Auburndale, 11358, Bay Terrace, 11360, Bayside, 11359, 11360, 11361, Bayswater, 11691, Beechhurst, 11357, Bellaire, 11427, 11428, 11429, Belle Harbor, 11694, Bellerose, 11426, Blissville, 11101, Breezy Point, 11697, Briarwood, 11435, Broad Channel, 11693, Cambria Heights, 11411, College Point, 11356, Corona, 11368, Ditmars, 11005, 11370, Douglaston, 11362, 11363, Dutch Kills, 11101, East Elmhurst, 11369, 11370, 11371, Edgemere, 11690, Elmhurst, 11373, Far Rockaway, 11096, 11690, 11691, 11692, 11693, 11694, 11695, 11697, Floral Park, 11001, 11002, 11003, 11004, 11005, Flushing 11351, 11352, 11253, 11354, 11355, 11356, 11357, 11358, 11359, 11360, 11361, 11362, 11363, 11364, 11365, 11366, 11367, 11368, 11369, 11370, 11371, 11372, 11373, 11374, 11375, 11376, 11377, 11379, 11378, 11380, 11381, 11385, 11386, 11390, Forest Hills Gardens, 11375, Forest Hills, 11375, Fresh Meadows, 11365, 11366, Fresh Pond, 11385, Glen Oaks, 11004, Glendale, 11385, Hammels, 11693, Hillcrest, 11365, 11366, Hollis Hills, 11427, Hollis, 11423, Holliswood, 11423, Howard Beach, 11414, Hunters Point, 11101, Jackson Heights, 11372, 11370, Jamaica, 11405, 11411, 11412, 11413, 11414, 11415, 11416, 11417, 11418, 11419, 11420, 11421, 11422, 11423, 11424, 11425, 11426, 11427, 11428, 11429, 11430, 11431, 11432, 11433, 11434, 11435, 11436, 11437, 11451, 11499, Jamaica Estates, 11423, 11432, Jamaica Hills, 11432, Kew Gardens Hills, 11367, Kew Gardens, 11415, 11418, 11424, Laurelton, 11413, LeFrak City, 11368, Linden Hill, 11354, Lindenwood, 11414, Long Island City, 11101, 11102, 11103, 11104, 11105, 11106, 11109, Little Neck, 11362, 11363, Malba, 11357, Maspeth, 11378, Meadowmere, 11422, Middle Village, 11379, Murray Hill, 11358, Neponsit, 11694, New Hyde Park, 11040, 11042, North Shore Towers, 11005, Oakland Gardens, Ozone Park, Pomonok, Queens Village, Queensboro Hill, Queensbridge, Ravenswood, Rego Park, Richmond Hill, Ridgewood, 11385, 11386, 11418, 11473, 11374, 11106, 11101, 11355, 11427, 11428, 11429, 11365, 11416, 11417, 11364, Rochdale Village, 11434, Rockaway Beach, 11693, Rockaway Park, 11694, Rosedale, 11422, Roxbury, 11697, Saint Albans, 11412, South Jamaica, 11425, 11433, 11436, 11434, South Ozone Park, 11420, 11436, Springfield Gardens, 11413, Sunnyside Gardens, 11104, Sunnyside, Tudor Village, 11417, Whitestone, 11357, Willets Point, 11368, Woodhaven, 11421, Woodside, 11377, Central Harlem, 10026, 10027, 10037, 10039, Chelsea, Clinton, 10001, 10011, 10018, 10019, 10020, 10036, East Harlem, 10029, 10035, Gramercy Park, Murray Hill, 10010, 10016, 10017, 10022, Greenwich Village, Soho, 10012, 10013, 10014, Lower Manhattan, 10004, 10005, 10006, 10007, 10038, 10280, Lower East Side, 10002, 10003, 10009, Upper East Side, 10021, 10028, 10044, 10065, 10075, 10128, Upper West Side, 10023, 10024, 10025, Inwood, Washington Heights, 10031, 10032, 10033, 10034, 10040, Bronx, glr ‪#‎rosarioshalomayevteam‬ ‪‪#instagood #me #tbt #cute #follow #followme #photooftheday #happy #tagforlikes #beautiful #self #girl #picoftheday #like4like #smile #friends #fun #like #fashion #summer #instadaily #igers #instalike #food #swag #amazing #tflers #follow4follow #bestoftheday #likeforlike #instamood #style #wcw #family #141 #f4f #nofilter #lol #life #pretty #repost #hair #my #sun #webstagram #iphoneonly #art #tweegram #cool #followback #instafollow #instasize #bored #instacool #funny #mcm #instago #instasize #vscocam #girls #all_shots #party #music #eyes #nature #beauty #night #fitness #beach #look #nice #sky #christmas #baby #love #fashion #igers #food #bestoftheday 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#CreditScore #EmptyNest #Renovated #JustListed #WantToMove #HateMyHouse #BuyMyHouse #HomeSale #HomesForSale 

Monday, May 1, 2017

A Little Spanish for My Spanish Speakers, Un Poco de Español Para Los Que Hablan Español




A little Spanish for my Latino Hispanic friends. Don't worry, I will post the translation below. 

Mis hermanos y hermanas latinos,

Mi nombre es George L. Rosario. Soy un agente de bienes raíces con Coldwell Banker Kueber. Servimos a todos vecindarios de Brooklyn, Queens y Manhattan en la ciudad de Nueva York. Hoy estoy aquí para introducirme y ver si hay algo en lo que pueda ayudarte.

¿Por qué Coldwell Banker es una marca tan impresionante de bienes raíces? Tal vez sea por las herramientas que Coldwell Banker nos ofrece. Estas herramientas realmente nos separan del resto de los agentes de nuestra industria. Si decides reunirme personalmente, puedo tomar el tiempo para explicar cómo cada una de estas herramientas se une para dar a los agentes de Coldwell Banker una ventaja injusta y competitiva sobre otros agentes de nuestra industria.

Tal vez sea por el hecho de que existimos en 49 países y territorios de todo el mundo. Eso significa que cuando usted vende su casa con nosotros, los agentes de Coldwell Banker en todo el mundo tienen acceso a ella. Tenga en cuenta que la ciudad de Nueva York recibió más de 60.000.000 de visitantes en 2016, y algunos de esos visitantes volvieron a casa con la intención de comprar una propiedad que podría poseer en nuestra gran ciudad. Puedo decirte que vendí un apartamento de lujo a un comprador de Brasil porque su agente de Coldwell Banker lo vio en nuestra red de CB.

Me gusta pensar que nuestro éxito tiene mucho más que ver con algo mucho más íntimo. Usted ve, en Coldwell Banker, somos capaces de ayudar a nuestros clientes en su idioma nativo. Ser una marca internacional con el nombre más reconocido en la industria nos hace una fuerza fuerte en las ventas de bienes raíces. También nos permite el lujo de siempre tener un agente al alcance que puede comunicarse con usted (el cliente) en el idioma que usted está más cómodo hablando. Yo mismo soy el representante de español para la ciudad de Nueva York. En mi oficina, todos los agentes hablan inglés con fluidez y nosotros (sólo una de las más de 3.000 oficinas en nuestra red), también tenemos Lev Shalomayev que habla ruso, hebreo y farsi, Daniela Cazan que habla rumano, Denise Yonke que habla italiano, yo Hablan español, portugués, italiano, latín, un poco de francés y un poco de griego, y también hablamos chino, alemán, polaco, coreano, japonés, holandés, etc.

Coldwell Banker habla todos los idiomas que necesitaremos para comunicarnos con nuestro cliente. Si no hablamos el idioma en mi oficina, tenemos a alguien en nuestra red que pueda hablar y traducir para usted.

Si necesita vender su casa, no dude en ponerse en contacto conmigo a continuación. No te preocupes por cómo comunicarás tus necesidades. ¡Lo hemos cubierto! Mi información de contacto se muestra a continuación.

Soy George L. Rosario y soy Coldwell Banker Blue.


NOW IN ENGLISH:

My Latino Brothers and Sisters,

My name is George L. Rosario. I am a Realtor with Coldwell Banker Kueber. We service Brooklyn, Queens and Manhattan in New York City. Today I'm here to introduce myself to you and see if there is anything I can help you with.

Why is Coldwell Banker such an impressive real estate brand? Maybe it's because of the tools that Coldwell Banker offers us. These tools truly separate us from the rest of the agents in our industry. If you decide to meet with me in person, I can take the time to explain how each one of these tools comes together to give Coldwell Banker agents an unfair and competitive advantage over other agents in our industry.

Perhaps it is because of the fact that we exist in 49 countries and territories throughout the world. That means that when you list your home with us, Coldwell Banker agents throughout the world have access to it. Keep in mind that New York City got over 60,000,000 visitors in 2016, and some of those visitors went back home with the intention to purchase a property they could own in our great city. I can tell you that I sold a luxury condo to a buyer from Brazil because her Coldwell Banker agent saw it on our CB network.

I like to think that our success has a lot more to do with something much more intimate. You see, at Coldwell Banker, we are capable of helping our clients in their native language. Being an international brand with the most recognized name in the industry makes us a strong force in real estate sales. It also allows us the luxury of always having an agent standing by that can communicate with you (the client) in the language that you are most comfortable speaking. I myself am the Spanish representative for New York City. In my office, all the agents speak English fluently and we (just one of the over 3,000 offices in our network), also have Lev Shalomayev who speaks Russian, Hebrew and Farsi, Daniela Cazan who speaks Romanian, Denise Yonke who speaks Italian, I speak Spanish, Portuguese, Italian, Latin, a little French and a little Greek, and we also speak Chinese, German, Polish, Korean, Japanese, Dutch, etc.

Coldwell Banker speaks every language we'll ever need to communicate in. If we don't speak the language in my office, we have someone in our network that can speak and translate for you.

If you need to sell your home, feel free to contact me below. Don't worry about how you wil communicate your needs. We have it covered! My contact information is listed below.

I am George L. Rosario and I am Coldwell Banker Blue.


Google My Name, "George L. Rosario"
------- 
George L. Rosario
NYC's Hometown Realtor
Coldwell Banker Kueber
DESK: 347-671-SOLD
CELL: 917-945-4211


Follow Me Online Here: 

Coldwell Banker: http://www.CBBigApple.com 





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11357, Maspeth, 11378, Meadowmere, 11422, Middle Village, 11379, Murray Hill, 11358, Neponsit, 11694, New Hyde Park, 11040, 11042, North Shore Towers, 11005, Oakland Gardens, Ozone Park, Pomonok, Queens Village, Queensboro Hill, Queensbridge, Ravenswood, Rego Park, Richmond Hill, Ridgewood, 11385, 11386, 11418, 11473, 11374, 11106, 11101, 11355, 11427, 11428, 11429, 11365, 11416, 11417, 11364, Rochdale Village, 11434, Rockaway Beach, 11693, Rockaway Park, 11694, Rosedale, 11422, Roxbury, 11697, Saint Albans, 11412, South Jamaica, 11425, 11433, 11436, 11434, South Ozone Park, 11420, 11436, Springfield Gardens, 11413, Sunnyside Gardens, 11104, Sunnyside, Tudor Village, 11417, Whitestone, 11357, Willets Point, 11368, Woodhaven, 11421, Woodside, 11377, Central Harlem, 10026, 10027, 10037, 10039, Chelsea, Clinton, 10001, 10011, 10018, 10019, 10020, 10036, East Harlem, 10029, 10035, Gramercy Park, Murray Hill, 10010, 10016, 10017, 10022, Greenwich Village, Soho, 10012, 10013, 10014, Lower Manhattan, 10004, 10005, 10006, 10007, 10038, 10280, Lower East Side, 10002, 10003, 10009, Upper East Side, 10021, 10028, 10044, 10065, 10075, 10128, Upper West Side, 10023, 10024, 10025, Inwood, Washington Heights, 10031, 10032, 10033, 10034, 10040, Bronx, glr ‪#‎rosarioshalomayevteam‬ ‪‪#instagood #me #tbt #cute #follow #followme #photooftheday #happy #tagforlikes #beautiful #self #girl #picoftheday #like4like #smile #friends #fun #like #fashion #summer #instadaily #igers #instalike #food #swag #amazing #tflers #follow4follow #bestoftheday #likeforlike #instamood #style #wcw #family #141 #f4f #nofilter #lol #life #pretty #repost #hair #my #sun #webstagram #iphoneonly #art #tweegram #cool #followback #instafollow #instasize #bored #instacool #funny #mcm #instago #instasize #vscocam #girls #all_shots #party #music #eyes #nature #beauty #night #fitness #beach #look #nice #sky #christmas #baby #love #fashion #igers #food #bestoftheday #instagood @topliketags #likesforlikes #likesplease 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#WantToMove #HateMyHouse #BuyMyHouse #HomeSale #HomesForSale 

Sunday, April 30, 2017

How To Get a YES When Making An Offer On a Home




Dear Friends,

Today I want to talk to you about the importance of being prepared when purchasing a home in this highly competitive market. I am not going to talk to you from the REALTOR's side of the business but rather from the MORTGAGE PROFESSIONAL & HOMEOWNER relationship side. You see, while we Realtors hold the keys to let you in to preview your dream home, the relationship you have with your mortgage professional is what controls whether that key becomes yours or not.

I write this post because the New York City home purchasing market is extremely competitive right now. Those who go for mortgages are competing with a huge influx of cash buyers that are not using their all-cash offer as a way of driving the sale price down, but who are offering full asking price offers on homes in Brooklyn and Queens, completely shutting down the buyer who still needs to secure a mortgage. So how does the mortgage pursuing buyer compete?

Step one is making sure that you are ready to compete by partnering up with a reputable lender. I've notice a growing trend lately. More and more first time home buyers are making the mistake of going with a mortgage lender solely on price. They are so worried about getting the cheapest rate that they fail to realize that to offer the cheapest rate, a company has to offer the cheapest level of service. (SIDE-NOTE: this also applies to your Realtor. Be very careful when you hire an agent that will discount his commission when selling your home. Chances are he is also discounting the time and money he/she will invest into selling your home to the most qualified buyer). When we present offers to home sellers from different buyers and they all look the same, the stronger buyer is often the one that makes the seller comfortable in the choice of mortgage provider they've associated with. When the seller sees the offers look similar, they often ask "Who is writing the loan?" Sellers are becoming a lot more educated on the process of selling a home and they know that there is a difference between a mortgage from a reputable professional and a mortgage from some online, out-of-state company that does not even sit with the person to go over all the intricacies of the loan process. The closing rate is much higher with the lenders who sit with their clients and work with them on a personal level.

Step two is for the buyer to be prepared to make a stronger offer. Realtors, at least in New York, are not permitted to disclose the actual amounts of what other buyers have offered for a home. This is in place to discourage unethical selling practice that allow all-cash investors to outbid the purchaser who has to rely on the mortgage. It also stops the illegal practice of driving up the prices in the market by lying about the offer amounts that are being offered for a home. Think about it. If you fall in love with a home and offer "X" amount, and an agent says, "well, I have a X + $20,000 offer on that house" even if he doesn't, chances are that you might offer "X + $25,000) to get the house even though it puts you over your comfortable budget. This leads to added chances of default on the loan by many purchasers. This is unethical. So NO, we cannot disclose what the highest offer is. So how do you know if you are making a strong offer? You make the offer and ask the Realtor two very important questions; "Should I be prepared to offer more?" and "are there any all-cash offers." We can comfortably answer these two questions. If you hear there's an all-cash offer, you know that you have to make the strongest offer possible as your first offer. That way if you do not get the home, you know that it wasn't because you made a poor offer. Make the strongest offer and get the home you can comfortably afford.

Step three is a no-brainer but one that some people simply overlook. Please have your pre-approval in hand when you go view homes. That way if you find the home you absolutely want, you can go to your Realtor's office and write up an offer right away. Ask your Realtor when you should expect an answer. Provide your offer with a pre-approval, proof of funds for the down payment you are offering, and if you truly want to slam dunk that offer, ask your mortgage lender if he could print you a copy of your credit report and attach it to the offer. Want to really kick some butt? Sit down and write the home seller a handwritten letter telling them how much you love their home and why you want that home to be yours. Make it personal and make it real. Tell them what you loved about their home. Tell them how you plan to love that home for the next 30 years plus. Tell them how difficult it has been to find a home in this tough market. Pour your heart out into that letter. A good Realtor loves to share these letters with home owners. It makes the home owner's decision much easier to make. It is also great in case the home seller has cold feet later because your Realtor will be able to remind the home sellers of the reasons why they chose you as the buyer for their home.

Step four is to work with a Realtor that knows how to present steps number 1-3 the right way. You could do all of this but if you work with a Realtor that is only thinking of the commission and forgetting the ethics of the license he holds, you may find you still can't compete.

These are just three steps on how to compete in this highly competitive market. If you want more tips on how to become a "YES" rather than a "NO" when making an offer on a home, contact me below. 



Google My Name, "George L. Rosario"

------- 
George L. Rosario
NYC's Hometown Realtor
Coldwell Banker Kueber
DESK: 347-671-SOLD
CELL: 917-945-4211


Follow Me Online Here: 

Coldwell Banker: http://www.CBBigApple.com 





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11221, 11233 #Bensonhurst 11204, 11214, #BathBeach 11214, #BoerumHill 11201, 11217 #BoroughPark 11219, #BrightonBeach 11235, #BrooklynCollege 11210, #BrooklynHeights 11201 Brooklyn Navy Yard 11205, Brower Park 11213, Brownsville 11212, Brushwick 11221, 11237, Canarsie, 11236, Carroll Gardens 11231, Clinton Hill, 11205, Cobble Hill, 11201, Columbia Heights, 11231, Coney Island, 11224, Crown Heights, 11225, 11213, Cypress Hills, 11208, Ditmas Park, 11218, Downtown Brooklyn, DUMBO, Dyker Heights, 11228, Flatlands, 11234, Fort Greene, 11205, Fort Hamilton, 11209, Gowanus, 11217, Gravesend. 11223, Greenpoint, 11222, Greenwood, 11232, Homecrest, 11223, 11229, Industry City, Bush Terminal, 11232, Jamaica Bay, Kensington, 11218, 11223, 11229, Kings Highway, 11229, Kings Plaza, 11234, Madison, 11229, Manhattan Beach, 11235, Marine Park, 11234, Midwood, 11230, Mill Basin, 11234, Park Slope, 11215, 11217, Parkville, 11204, Prospect Heights, 11238, Prospect Lefferts Gardens, 11225, Prospect Park South, 11226, Red Hook, 11231, Sea Gate, 11224, Sheepshead Bay, 11235, Starrett City, 11239, Stuyvesant Heights, 11233, Sunset Park, 11220, 11232, Vanderveer, 11210, Vinegar Hill, 11201, Weeksville, 11213, Williamsburg, 11206, 11211, 11249, Windsor Terrace, 11215, Prospect Park, 11215, Arverne, 11692, Astoria Heights, 11370, Astoria, 11102, 11103, 11105, Auburndale, 11358, Bay Terrace, 11360, Bayside, 11359, 11360, 11361, Bayswater, 11691, Beechhurst, 11357, Bellaire, 11427, 11428, 11429, Belle Harbor, 11694, Bellerose, 11426, Blissville, 11101, Breezy Point, 11697, Briarwood, 11435, Broad Channel, 11693, Cambria Heights, 11411, College Point, 11356, Corona, 11368, Ditmars, 11005, 11370, Douglaston, 11362, 11363, Dutch Kills, 11101, East Elmhurst, 11369, 11370, 11371, Edgemere, 11690, Elmhurst, 11373, Far Rockaway, 11096, 11690, 11691, 11692, 11693, 11694, 11695, 11697, Floral Park, 11001, 11002, 11003, 11004, 11005, Flushing 11351, 11352, 11253, 11354, 11355, 11356, 11357, 11358, 11359, 11360, 11361, 11362, 11363, 11364, 11365, 11366, 11367, 11368, 11369, 11370, 11371, 11372, 11373, 11374, 11375, 11376, 11377, 11379, 11378, 11380, 11381, 11385, 11386, 11390, Forest Hills Gardens, 11375, Forest Hills, 11375, Fresh Meadows, 11365, 11366, Fresh Pond, 11385, Glen Oaks, 11004, Glendale, 11385, Hammels, 11693, Hillcrest, 11365, 11366, Hollis Hills, 11427, Hollis, 11423, Holliswood, 11423, Howard Beach, 11414, Hunters Point, 11101, Jackson Heights, 11372, 11370, Jamaica, 11405, 11411, 11412, 11413, 11414, 11415, 11416, 11417, 11418, 11419, 11420, 11421, 11422, 11423, 11424, 11425, 11426, 11427, 11428, 11429, 11430, 11431, 11432, 11433, 11434, 11435, 11436, 11437, 11451, 11499, Jamaica Estates, 11423, 11432, Jamaica Hills, 11432, Kew Gardens Hills, 11367, Kew Gardens, 11415, 11418, 11424, Laurelton, 11413, LeFrak City, 11368, Linden Hill, 11354, Lindenwood, 11414, Long Island City, 11101, 11102, 11103, 11104, 11105, 11106, 11109, Little Neck, 11362, 11363, Malba, 11357, Maspeth, 11378, Meadowmere, 11422, Middle Village, 11379, Murray Hill, 11358, Neponsit, 11694, New Hyde Park, 11040, 11042, North Shore Towers, 11005, Oakland Gardens, Ozone Park, Pomonok, Queens Village, Queensboro Hill, Queensbridge, Ravenswood, Rego Park, Richmond Hill, Ridgewood, 11385, 11386, 11418, 11473, 11374, 11106, 11101, 11355, 11427, 11428, 11429, 11365, 11416, 11417, 11364, Rochdale Village, 11434, Rockaway Beach, 11693, Rockaway Park, 11694, Rosedale, 11422, Roxbury, 11697, Saint Albans, 11412, South Jamaica, 11425, 11433, 11436, 11434, South Ozone Park, 11420, 11436, Springfield Gardens, 11413, Sunnyside Gardens, 11104, Sunnyside, Tudor Village, 11417, Whitestone, 11357, Willets Point, 11368, Woodhaven, 11421, Woodside, 11377, Central Harlem, 10026, 10027, 10037, 10039, Chelsea, Clinton, 10001, 10011, 10018, 10019, 10020, 10036, East Harlem, 10029, 10035, Gramercy Park, Murray Hill, 10010, 10016, 10017, 10022, Greenwich Village, Soho, 10012, 10013, 10014, Lower Manhattan, 10004, 10005, 10006, 10007, 10038, 10280, Lower East Side, 10002, 10003, 10009, Upper East Side, 10021, 10028, 10044, 10065, 10075, 10128, Upper West Side, 10023, 10024, 10025, Inwood, Washington Heights, 10031, 10032, 10033, 10034, 10040, Bronx, glr ‪#‎rosarioshalomayevteam‬ ‪‪#instagood #me #tbt #cute #follow #followme #photooftheday #happy #tagforlikes #beautiful #self #girl #picoftheday #like4like #smile #friends #fun #like #fashion #summer #instadaily #igers #instalike #food #swag #amazing #tflers #follow4follow #bestoftheday #likeforlike #instamood #style #wcw #family #141 #f4f #nofilter #lol #life #pretty #repost #hair #my #sun #webstagram #iphoneonly #art #tweegram #cool #followback #instafollow #instasize #bored #instacool #funny #mcm #instago #instasize #vscocam #girls #all_shots #party #music #eyes #nature #beauty #night #fitness #beach #look #nice #sky #christmas #baby #love #fashion #igers #food #bestoftheday #instagood @topliketags #likesforlikes #likesplease 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