Housing Market News • September 8, 2021

Understand Your Options To Avoid Foreclosure

by Nicole McCormick

Even though experts agree there’s no chance of a large-scale foreclosure crisis, there are a number of homeowners who may be coming face-to-face with foreclosure as a possibility. And while the overall percentage of homeowners at risk is decreasing with time (see graph below), that’s little comfort to those individuals who are facing challenges today.If you haven’t taken advantage of the forbearance period, it may be time to research and understand your options. It starts with knowing what foreclosure is. Investopedia defines it like this:

“Foreclosure is the legal process by which a lender attempts to recover the amount owed on a defaulted loan by taking ownership of and selling the mortgaged property. Typically, default is triggered when a borrower misses a specific number of monthly payments . . .”

The good news is, there are alternatives available to help you avoid having to go through the foreclosure process, including:

Reinstatement
Loan modification
Deed-in-lieu of foreclosure
Short sale

But before you go down any of those paths, it’s worth seeing if you have enough equity in your home to sell it and protect your investment.

Understand Your Options: Sell Your House

Equity is the difference between what you owe on the home and its market value based on factors like price appreciation.

In today’s real estate market, many homeowners have far more equity in their homes than they realize. Over the last year, buyer demand has been high, but housing supply has been low. That’s led to a substantial increase in home values. When prices rise, so does the amount of equity you have in your house.

According to CoreLogic, on average, homeowners gained $33,400 in equity over the last 12 months, and the average equity on mortgaged homes is now $216,000 (see map below):So, what does that mean for you? Over the past year, chances are your home’s value and therefore your equity has risen dramatically. If you’ve been in your home for a while, the mortgage payments you’ve made over time chipped away at the balance of your loan. If your home’s current value is higher than what you still owe on your loan, you may be able to use that increase to your advantage.

Frank Martell, President and CEO of CoreLogic, elaborates on how equity can help:

“Homeowner equity has more than doubled over the past decade and become a crucial buffer for many weathering the challenges of the pandemic. These gains have become an important financial tool and boosted consumer confidence in the U.S. housing market.”

Don’t Go at It Alone – Lean on Experts for Advice

To find out what your house is worth in today’s market, work with a local real estate professional. We’ll be able to give you an estimate of what your house could sell for based on recent sales of similar homes in your area. Since home prices are still appreciating, you may be able to sell your house to avoid foreclosure.

If you find out that you have to pursue other options, your agent can help with that too. We’ll be able to connect you with other professionals in the industry, like housing counselors who can look into your unique situation and offer advice on next steps if selling isn’t the best alternative.

Bottom Line

If you’re a homeowner facing hardship, let’s connect to explore your options and see if you can sell your house to avoid foreclosure.

Maybe with the leverage you currently have, you can negotiate a deal that will allow you to make the move of your dreams.
What’s your home’s value?

Contact one of Our Agents today!

See out Complete Inventory of Available Properties!

Selling a Home • September 7, 2021

Reasons You Should Consider Selling This Fall

by Nicole McCormick

If you’re trying to decide when to sell your house, there may not be a better time to list than right now. The ultimate sellers’ market we’re in today won’t last forever. If you’re thinking of making a move, here are four reasons to put your house up for sale sooner rather than later.

1. Your House Will Likely Sell Quickly

According to the Realtors Confidence Index released by the National Association of Realtors (NAR), homes continue to sell quickly – on average, they’re selling in just 17 days. As a seller, that’s great news for you.

Average days on market is a strong indicator of buyer demand. And if homes are selling quickly, buyers have to be more decisive and act fast to submit their offer before other buyers swoop in.

2. Buyers Are Willing To Compete for Your House

In addition to selling quickly, homes are receiving multiple offers. That same survey shows sellers are seeing an average of 4.5 offers, and they’re competitive ones. The graph below shows how the average number of offers right now compares to previous years:Buyers today know bidding wars are a likely outcome, and they’re coming prepared with their best offer in hand. Receiving several offers on your house means you can select the one that makes the most sense for your situation and financial well-being.

3. When Supply Is Low, Your House Is in the Spotlight

One of the most significant challenges for motivated buyers is the current inventory of homes for sale. Though it’s improving, it remains at near-record lows. The chart below shows how today’s low inventory stacks up against recent years. The lighter the blue is in the chart, the lower the housing supply.If you’re looking to take advantage of buyer demand and get the most attention for your house, selling now before more listings come to the market might be your best option.

4. If You’re Thinking of Moving Up, Now May Be the Time

If your current home no longer meets your needs, it may be the perfect time to make a move. Today, homeowners are gaining a significant amount of wealth through growing equity. You can leverage that equity, plus current low mortgage rates, to power your move now. But these near-historic low rates won’t last forever.

Experts forecast interest rates will rise. In their forecast, Freddie Mac says:

“While we forecast rates to increase gradually later in the year, we don’t expect to see a rapid increase. At the end of the year, we forecast 30-year rates will be around 3.4%, rising to 3.8% by the fourth quarter of 2022.”

When rates rise, even modestly, it’ll impact your monthly payment and by extension your purchasing power.

Bottom Line

Don’t delay. The combination of housing supply challenges, low mortgage rates, and extremely motivated buyers gives sellers a unique opportunity this season. If you’re thinking about making a move, let’s chat about why it makes sense to list your house now.

Maybe with the leverage you currently have, you can negotiate a deal that will allow you to make the move of your dreams.
What’s your home’s value?

Contact one of Our Agents today!

See out Complete Inventory of Available Properties!

Agency News and Awards • September 2, 2021

Congrats to Barbara Tesa For Reaching the Cap!

by Nicole McCormick

Congratulations From Geoffrey Green, President Of Green Team Realty, To Barbara Tesa for reaching the commission cap for Company Dollar Contribution in 2021!

Geoff’s thought on Barbara hitting cap:

“Barbara’s professionalism and work ethic set her apart from the competition. She is super sharp, very responsive, and always doing her best for her clients. Barbara works tirelessly to ensure every last thing is taken care of for her clients. She will definitely continue to be a top producing Realtor in the Sussex County marketplace for many years to come. Congrats Barbara!”

Barbara Tesa‘s dedication to her clients and hard work has allowed her to reach the cap on her commission with Green Team Realty. This is an outstanding accomplishment and means Barbara Tesa will now receive a 100% commission split on any deal she closes during 2021.

Barbara’s thoughts on hitting the cap:

“I couldn’t be happier to have reached company CAP at Green Team New Jersey Realty. The sales commission structure at Green Team keeps me incentivized and focused on my business throughout the year. And, while it’s energizing to know that my commissions for the rest of Q3 and Q4 2021 will be at 100%, it’s my clients – past and present – who are the focus of my business. I’ve had the pleasure to work with so many wonderful people throughout the years. Seeing them be happy is rewarding to me and, though I’ve helped them reach THEIR goals of finding their dream home or listing, marketing, selling their current home, it is they who have actually helped me reach MY goal. This business is competitive and challenging much of the time; and buying/selling a home is an arduous process for most. So, when clients put their trust in me and are satisfied with my service throughout the process, I’ve reached my goal. It is their satisfaction that motivates me. I am so very thankful for my clients as well as their referrals, which I very much welcome and appreciate; they all make up the heart of my business and I look forward to continuing to serve their real estate needs. To Green Team New Jersey Realty, I am thankful for the team support, encouragement and, of course, the CAP Program!”

Green Team Realty’s commission structure is, no doubt, one of the finest in the industry, but it doesn’t end there. Our lead generation platform, certified sales assistant program, and dynamic training systems are just a few other things worth mentioning.

To learn more about Green Team Realty and why you should join our team click here.

Congratulations, Barbara Tesa!

Agency News and Awards • September 2, 2021

Congrats to Carol Buchanan For Reaching the Cap!

by Nicole McCormick

Congratulations From Geoffrey Green, President Of Green Team Realty, To Carol Buchanan for reaching the commission cap for Company Dollar Contribution in 2021!

Geoff’s thoughts on Carol hitting cap:

“A true professional is probably the best way to describe Carol Buchanan. She is smart, detailed, kind, and always responds promptly. I have to admit she is pretty funny as well. That “total package” of professionalism sets her apart and is the main reason, in my opinion, why she is so successful. Congrats once again Carol for reaching the cap.! “

Carol Buchanan‘s dedication to her clients and hard work has allowed her to reach the cap on her commission with Green Team Realty. This is an outstanding accomplishment and means Carol Buchanan will now receive a 100% commission split on any deal she closes during 2021.

Carol’s thoughts on hitting the cap:

“Reaching my CAP is a very nice accomplishment for me. I’m grateful to all my clients and the support I receive from Green Team NY Realty to help me reach this goal. Thank you all ! ”

To learn more about Green Team Realty and why you should join our team click here.

Congratulations, Carol Buchanan!

Agency News and Awards • September 2, 2021

Congrats to Nancy Sardo For Reaching the Cap!

by Nicole McCormick

Congratulations From Geoffrey Green, President Of Green Team Realty, To Nancy Sardo for reaching the commission cap for Company Dollar Contribution in 2021!

Geoff’s thoughts about Nancy reaching cap:

“I am not sure that there is another Realtor in our marketplace with a bigger heart than Nancy Sardo. She truly goes out of the way for her clients in all that she does. The burning desire that she has to provide the best service to her clients has led her to investigate all sorts of information which ultimately provides critical experience to be one of the best in our marketplace. Nancy is very smart, very experienced, and very concerned about doing the best she can for all her clients. This is why she is a consistent top producer in Orange County, NY. Congrats Nan!”

Nancy Sardo’s dedication to her clients and hard work has allowed her to reach the cap on her commission with Green Team Realty. This is an outstanding accomplishment and means Nancy Sardo will now receive a 100% commission split on any deal she closes during 2021.

Nancy’s thoughts on hitting the cap:

Nancy Sardo of Green Team New York Realty

“Having just recently reached my cap for 2021, I have everyone to thank who works so hard for the Green Team. I can always ensure success working through Geoff and the team’s guidance whenever I need it. The support is second to none. I am so grateful to my family, clients, colleagues and trusted friends for giving me the opportunity to work with you all to help create your homeownership dreams come to fruition and always giving me support and kindness.

The CAP program Geoff created for his team is fair and well thought out”

To learn more about Green Team Realty and why you should join our team click here.

Congratulations, Nancy Sardo!

Housing Market News • September 2, 2021

5 Reasons Today’s Housing Market Is Anything but Normal

by Nicole McCormick

There are many headlines out there that claim we’re reverting to a more normal real estate market. That would indicate the housing market is returning to the pre-pandemic numbers we saw from 2015-2019. But that’s not happening. The market is still extremely vibrant as demand is still strong even while housing supply is slowly returning.

Here’s the definition of normal from the Merriam-Webster Dictionary:

“conforming to a type, standard, or regular pattern: characterized by that which is considered usual, typical, or routine.”

Using this definition, here are five housing industry metrics that prove we’re nowhere near normal.

1. Mortgage Rates

If we look at the 30-year mortgage rate chronicled by Freddie Mac, we can see the average rates by decade:

1970s: 8.86%
1980s: 12.7%
1990s: 8.12%
2000s: 6.29%
2010s: 4.09%

Today, the average mortgage rate stands at 2.87%, which is very close to the historic low.

Currently, mortgage rates are anything but usual, typical, or routine.

2. Home Price Appreciation

According to Black Knight, a housing data and analytics company, the average annual appreciation on residential real estate prices since 1995 has been 4.14%.

According to the latest forecast from the National Association of Realtors (NAR), home price appreciation will hit 14.1% this year, which will be greater than any year since Black Knight began collecting this data.

Currently, home price appreciation is anything but usual, typical, or routine.

3. Months’ Supply of Inventory (Homes for Sale)

According to NAR:

“Months’ supply refers to the number of months it would take for the current inventory of homes on the market to sell given the current sales pace. Historically, six months of supply is associated with moderate price appreciation, and a lower level of months’ supply tends to push prices up more rapidly.”

As of the latest Existing Homes Sales Report from NAR, the current months’ supply of inventory stands at 2.6. That’s less than half of a normal supply.

Currently, the supply of homes for sale is anything but usual, typical, or routine.

4. Days It Takes To Sell a Home

The days-on-market metric gives an indication of how hot a market is and how quickly homes are selling. In 2019, prior to the pandemic, the average days on market stood at 35, according to NAR. Today, that number is cut in half and is now at 17 days.

Currently, the days-on-market metric is anything but usual, typical, or routine.

5. Number of Offers per Listing

According to NAR, the number of offers per listing stood at 2.2 in 2019. Today, that number is double at 4.5.

Currently, the number of offers per listing is anything but usual, typical, or routine.

Bottom Line

When…

Mortgage rates are near historic lows
Price appreciation is at historic highs
Housing inventory is less than half of the normal amount
The time it takes to sell a home is cut in half, and
There are twice as many offers on each house

…it’s hard to say we’re in a normal market.

Maybe with the leverage you currently have, you can negotiate a deal that will allow you to make the move of your dreams.
What’s your home’s value?

Contact one of Our Agents today!

See out Complete Inventory of Available Properties!

Buying a home • September 1, 2021

What You Can Do Right Now To Prepare for Homeownership

by Nicole McCormick

As rent prices continue to soar, many renters want to know what they can do to get ready to buy their first home. According to recent data from ApartmentList.com:

“The first half of 2021 has seen the fastest growth in rent prices since the start of our estimates in 2017. Our national rent index has increased by 11.4 percent since January . . . .”

Those rising rental costs may make it seem impossible to prepare for homeownership if you’re a renter. But the truth is, there are ways you can – and should – prepare to purchase your first home. Here’s some expert advice on what to do if you’re ready to learn more about how to escape rising rents.

Start Saving – Even Small Amounts – Now

Experts agree, setting aside what you can – even smaller amounts of money – into a dedicated savings account is a great starting point when it comes to saving for a down payment. As Cindy Zuniga-Sanchez, Founder of Zero-Based Budget Coaching LLC, says:

“I recommend saving for a home in a ‘sinking fund’ . . . . This is a savings account separate from your emergency fund that you use to save for a short or mid-term expense.”

Zuniga-Sanchez adds saving in smaller increments can help make a large goal – such as saving for a down payment –achievable:

“Breaking up your goals into smaller bite-sized pieces by saving incrementally can make a large daunting number more manageable.”

Assess Your Finances and Work on Your Credit

Another tip experts recommend: take a look at your overall finances and credit score and find ways to reduce your debt. According to the HUD, the average credit score of first-time homebuyers is 716. If you’re not sure what your credit score is, there are numerous online tools that can help you check. If your score is below that average, don’t fret. Remember that an average means there are homeowners with credit scores both above and below that threshold.

If you find out your score is below the average, there are several ways to improve your credit before you apply for a loan. HUD recommends reducing your debt as much as you can, paying your bills on time, and using your credit card responsibly.

Start the Conversation with Your Advisor Today

Finally, it’s important to talk to someone who understands the market and what it takes to become a first-time homebuyer. That’s where we come in. A trusted advisor can help you navigate your specific market and talk you through all the available options. Having the right network of real estate and lending professionals in your corner can help you plan for the homebuying process as well as determine what you can afford and how you can get pre-approved when you’re ready.

Most importantly, we can help you understand how homeownership is achievable. As Lauren Bringle, Accredited Financial Advisor with Self Financial, says:

“Don’t write home ownership off just because you have a low income . . . . With the right tools, resources and assistance, you could still achieve your dream.”

Bottom Line

If you’re planning to be a homeowner one day, the best thing you can do is start preparing now. Even if you don’t think you’ll purchase for a few years, let’s connect today to discuss the process and to set you up for success on your journey to homeownership.

Maybe with the leverage you currently have, you can negotiate a deal that will allow you to make the move of your dreams.
What’s your home’s value?

Contact one of Our Agents today!

See out Complete Inventory of Available Properties!

Housing Market News • August 31, 2021

What Buyers and Sellers Need To Know About the Appraisal Gap

by Nicole McCormick

It’s economy 101 – when supply is low and demand is high, prices naturally rise. That’s what’s happening in today’s housing market. Home prices are appreciating at near-historic rates, and that’s creating some challenges when it comes to home appraisals.

In recent months, it’s become increasingly common for an appraisal to come in below the contract price on the house. Shawn Telford, Chief Appraiser for CoreLogic, explains it like this:

“Recently, we observed buyers paying prices above listing price and higher than the market data available to appraisers can support. This difference is known as ‘the appraisal gap . . . .’”

Why does an appraisal gap happen?

Basically, with the heightened buyer demand, purchasers are often willing to pay over asking to secure the home of their dreams. If you’ve ever toured a house you’ve fallen in love with, you understand. Once you start to picture yourself and your furniture in the rooms, you want to do everything you can to land the property, including putting in a high offer to try to beat out other would-be buyers.

When the appraiser comes in, they look at things a bit more objectively. Their job is to assess the inherent value of the home, so they’re going to study the facts. Dustin Harris, Appraiser Coach, drives this point home:

“It’s important for everyone to understand that the appraiser’s job in the end is to remain that unbiased third party, to truly tell the client what that home is worth in the current market, regardless of what decisions have been made on the price side of things.”

In simple terms, while homebuyers may be willing to pay more, appraisers are there to assess the market value of the home. Their goal is to make sure the lender isn’t loaning more money than the home is worth. It’s objective, rather than emotional.

In a highly competitive market like today’s, having a discrepancy between the two numbers isn’t unusual. Here’s a look at the increasing rate of appraisal gaps, according to data from CoreLogic (see graph below):

What does this mean for you?

Ultimately, knowledge is power. The best thing you can do is understand appraisal gaps may impact your transaction if you’re buying or selling. If you do encounter an appraisal below your contract price, know that in today’s sellers’ market, the most common approach is for the seller to ask the buyer to make up the difference in price. Buyers, be prepared to bring extra money to the table if you really want the home.

Above all else, lean on your real estate agent. Whether you’re a buyer or seller, your trusted advisor is your ally if you come up against an appraisal gap. We’ll help you understand your options and handle any additional negotiations that need to happen.

Bottom Line

In today’s real estate market, it’s important to stay informed on the latest trends. Let’s connect so you have an ally to help you navigate an appraisal gap to get the best possible outcome.

Maybe with the leverage you currently have, you can negotiate a deal that will allow you to make the move of your dreams.
What’s your home’s value?

Contact one of Our Agents today!

See out Complete Inventory of Available Properties!

Agency News and Awards • August 30, 2021

Celebrating Green Team Anniversaries

by Nicole McCormick

As our Green Team family grows, we are starting the tradition of celebrating Green Team Anniversaries! Thus, Sales Associates with the company for 5, 10, or 15 years will be acknowledged in our anniversary blog posts.

Congratulations on Ten Years!

Celebrating ten years with Green Team are Pip Klein and Toni Vogel. For more on Pip’s journey with the Green Team, click here. For Toni’s story, click here.

Congratulations on Five Years!

We’re celebrating Green Team Anniversaries for the following Sales Associates who have reached the five-year mark:.

Keren Gonen

Keren was born in Israel and moved to the USA in her early teens. She has a true passion for living a balanced life and helping others. Keren has been a foster parent for animal rescues and has volunteered for different charities. She serves on the Board of NAMI Sussex County. Further, she is Vice President of Team Up for Hope, Inc. Since joining Green Team New Jersey Realty in 2017, Keren has been a quarterly sales leader many times. She was Yearly Sales Leader for 2017. Therefore, it is not surprising that Keren Gonen is in the top 20 of all agents in Sussex County, With $17.8 Million in sales in 2020, she was Yearly Sales Leader for 2020. Also, she was the 2020 recipient of the special Momentum Builder Award.

Keren lives in Vernon with her two beautiful children. She enjoys taking advantage of all of the wonderful outdoor activities that Sussex County offers year round.

Heidi Hyland

Heidi joined Green Team New Jersey in Vernon with great enthusiasm and energy. As a long time resident of Vernon and Sussex County, she brings her love of real estate to Green Team. As a community leader, Heidi has served as President of the Sussex County Board of Realtors, President of Branchville Rotary and a Paul Harris Fellow. She is also an active member of Sussex County Chamber of Commerce and was a Charter Member of the Friends of Library and served as its President.

Heidi believes in “working with the community to make it better!” Heidi brings this to her real estate career and her clients trust her and know that she will bring her knowledge, expertise and integrity to each transaction.

Charles Nagy

Charles Nagy resides in Crystal Springs with his wife Lynne. He enjoys playing golf and being involved in many of the other activities in the community. Through his pursuit of continuing real estate education he obtained his certification as a Short Sale and Foreclosure Resource.

Charles has been involved with different aspects of the real estate business for the past 40 years, including the creation and sale of real estate tax sheltered investment offerings; real estate management of high rises and garden apartment complexes; the development of raw land for the construction of residential homes and for 18 years, as a builder of residential properties. Consequently, it is no surprise that Charles decided to involve himself in the marketing and sale of real estate to prospective homeowners.

With the wealth of knowledge and experience that Charles brings with him to the team of Agents at Green Team New Jersey Realty, he is able to deal with any issues that may arise in the course of selling homes which enables him to better assist buyers with their decisions. For two years running (2014 and 2015) Charles was one of Sussex County’s Top Sales Producers, earning the “Bronze” award and expects to continue his achievements in the coming years.

Charlie’s motto is “a happy customer is our best form of advertisement”.

In addition…

Congratulations to Chris Kimiecik and Jason Gaer on five years with Green Team.

We are looking forward to celebrating 20 years

In 2025, Green Team Realty will be celebrating its 20th year and we look forward to celebrating all of the real estate professionals and staff that make up the Green Team.

Notable Anniversaries

Al Beers- 8 Years- Green Team New York
Jennifer Dicostanzo- 6 Years- Green Team New York
Dean Diltz- 8 Years- Green Team New York
Barry M Ferrari- 6 Years- Green Team New York
Terry Gavan- 7 Years- Green Team New York
Jacqueline Kraszewski- 8 Years- Green Team New York
Kimberly Lasalandra- 6 Years- Green Team New York and Green Team New Jersey
Mary Lynch- 8 Years- Green Team New York
Angela Murphy- 6 Years- Green Team New York
Alan Norberg- 11 Years- Green Team New York
Cynthia Sanford- 7 Years- Green Team New York
Nancy Sardo- 6 Years- Green Team New York
Tammy Scotto- 7 Years- Green Team New York
Lucyann Tinnirello- 11 Years- Green Team New York
Linda Vandeweert- 6 Years- Green Team New York

We look forward to all of your next milestone anniversaries.

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© 2022 Green Team Residential Realty LLC. All Rights Reserved. Better Homes and Gardens® and the Better Homes and Gardens Real Estate logo are registered service marks owned by Meredith Operations Corporation and licensed to Better Homes and Gardens Real Estate LLC. Better Homes and Gardens Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each franchise is independently owned and operated. Listing information is deemed reliable but is not guaranteed accurate.

Understand Your Options: Sell Your House

Don’t Go at It Alone – Lean on Experts for Advice

Bottom Line

1. Your House Will Likely Sell Quickly

2. Buyers Are Willing To Compete for Your House

3. When Supply Is Low, Your House Is in the Spotlight

4. If You’re Thinking of Moving Up, Now May Be the Time

Bottom Line

Some Highlights

1. Mortgage Rates

Currently, mortgage rates are anything but usual, typical, or routine.

2. Home Price Appreciation

Currently, home price appreciation is anything but usual, typical, or routine.

3. Months’ Supply of Inventory (Homes for Sale)

Currently, the supply of homes for sale is anything but usual, typical, or routine.

4. Days It Takes To Sell a Home

Currently, the days-on-market metric is anything but usual, typical, or routine.

5. Number of Offers per Listing

Currently, the number of offers per listing is anything but usual, typical, or routine.

Bottom Line

Start Saving – Even Small Amounts – Now

Assess Your Finances and Work on Your Credit

Start the Conversation with Your Advisor Today

Bottom Line

Why does an appraisal gap happen?

What does this mean for you?

Bottom Line

Congratulations on Ten Years!

Congratulations on Five Years!

In addition…

We are looking forward to celebrating 20 years

Notable Anniversaries

Our Offices

Goshen, NY Real Estate

Pine Island, NY Real Estate