Agency News and Awards December 20, 2023

Jimmy Cosenza is now a Licensed Real Estate Broker

Congratulations to James “Jimmy” Cosenza on becoming a Licensed Real Estate Broker.

Embarking on the journey to becoming a licensed real estate broker is no small feat—it demands extensive knowledge and unwavering hard work, an accomplishment achieved by a select few. For Jimmy Cosenza, an agent dedicated to becoming one of the best in the business, the path to becoming a broker was not just a professional milestone but a personal commitment to excellence.

Elevating Client Experiences

Jimmy Cosenza has long harbored a genuine interest in real estate. His passion and intricate local market knowledge uniquely position him to provide clients with a competitive edge. Whether assisting first-time homebuyers, helping sellers maximize property value, or guiding investors toward profitable opportunities, Jimmy’s dedication to excellence is unwavering.

Jimmy has previously earned certifications as a Real Estate Negotiator and obtained his Commercial and Investment Real Estate designation. Now, with the added responsibilities and capabilities of a broker’s license, he offers an even more comprehensive and strategic approach to real estate transactions. Clients can expect expert guidance, innovative solutions, and a level of service that reflects Jimmy’s continuous pursuit of excellence.

Looking to the Future

As Jimmy embraces this new chapter, his focus remains on the future. His commitment to self-improvement and genuine passion for real estate ensure that clients will continue to benefit from the highest service standards. Whether stepping into your first home, navigating the market as a seller, or seeking opportunities as an investor, Jimmy Cosenza is ready to help you navigate every aspect of the ever-changing real estate market.

Congratulations, Jimmy! Your unwavering dedication and hard work have led you to this well-deserved achievement as a licensed broker. All of us here at BHGRE Green Team wish you continued success as you embark on this new chapter of your real estate journey.

 

Agency News and Awards December 18, 2023

Tom Folino Has Reached The Cap!

Congratulations From Vikki Garby, President Of Better Homes and Gardens Real Estate Green Team, to Tom Folino for reaching the commission cap for Company Dollar Contribution in 2023!

 

 

“Whether you know Tom Folino as a former teacher, coach or presently as a realtor, you know he is a sincere person and a true professional. His past career as an educator influences Tom’s eagerness to always be learning for the benefit of his clients. Tom is an incredible team player and we are so grateful to have Tom as part of BHGRE Green Team. ”  -Vikki Garby

 

 

 

Tom’s dedication to his clients and hard work has allowed him to reach the cap on his commission with BHGRE Green Team. This is an outstanding accomplishment and means Tom will now receive a 100% commission split on any deal he closes during 2023.

 

I’m very thankful for the trust that my clients have placed in me to be their real estate agent, and I take that responsibility very seriously. My #1 priority is to help my clients achieve their goal of selling, buying, or renting. Without my clients, reaching the cap once again this year wouldn’t have been possible, So a big heartfelt Thank you to all of you who have placed that trust in me!

Reaching the cap is something all agents should be very proud of.  In this business, it’s all about getting the job done for your clients while making the process as enjoyable and stress-free as possible for them. When you “cap out,” it gives you a sense of accomplishment and is a reward for all of the hard work and commitment you have given to the process and, more importantly, to your clients.– Tom Folino

 

Better Homes and Gardens Real Estate Green Team’s commission structure is undoubtedly 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.

Click here to learn more about Better Homes and Gardens Real Estate Green Team and why you should join our team.

Congratulations, Tom Folino!

Agency News and Awards December 12, 2023

Tammy Scotto has Reached the Commission Cap!

Congratulations From Vikki Garby, President Of Better Homes and Gardens Real Estate Green Team, to Tammy Scotto for reaching the commission cap for Company Dollar Contribution in 2023!

 

 

“If you know Tammy Scotto at all, you know she is the epitome of a people person. She loves her clients, she loves her job, and she works extremely hard to ensure her clients’ wishes and best interests are at the forefront of every transaction. Tammy is one of the best realtors I have had the privilege of working with and we are extremely fortunate to have her as part of BHGRE Green Team. ”  -Vikki Garby

 

 

Tammy’s dedication to her clients and hard work has allowed her to reach the cap on her commission with BHGRE Green Team. This is an outstanding accomplishment and means Tammy will now receive a 100% commission split on any deal she closes during 2023.

 

 

“I’m thrilled and grateful to all of my clients in 2023 for being the reason I have hit the cap in our real estate market this year. This achievement reflects the trust and satisfaction of my clients. I am excited to continue serving my community and exceeding expectations for my past, present and future buyers and sellers. I would not have been able to accomplish this without all of you. Wishing everyone a Happy Holiday Season. Looking forward to 2024!” – Tammy Scotto

 

 

Better Homes and Gardens Real Estate Green Team’s commission structure is undoubtedly 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.

Click here to learn more about Better Homes and Gardens Real Estate Green Team and why you should join our team.

Congratulations, Tammy Scotto!

Agency News and Awards December 12, 2023

Introducing Nicole Albert

Meet Nicole Albert, Your Dedicated Real Estate Professional

Allow us to introduce Nicole Albert, a licensed real estate professional with a wealth of industry experience. She brings over two years of expertise as a real estate associate, complemented by an impressive 16+ years as a real estate investor.

A Journey Rooted in Real Estate

Nicole’s journey to becoming a real estate sales associate is both unique and inspirational. Before entering the real estate realm, she forged a successful path as a licensed Property and Casualty insurance agent, specializing in commercial insurance for businesses—a role she continues to excel in. Yet, despite her achievements in insurance, her true calling emerged through years of experience in real estate, including investing, purchasing, and selling properties.

She was inspired to channel her wealth of real estate knowledge and her eye for interior design into helping others fulfill their homeownership dreams. Nicole has a genuine passion for finding families their perfect homes, especially first-time buyers.

The Heart of a Rescuer

Nicole exemplifies a strong dedication to helping others in both her professional and personal life. Beyond the real estate arena, she is a passionate animal lover and actively involved in animal rescue efforts. Nicole volunteers with Ramapo Bergen Animal Refuge in Oakland, NJ, and supports Hounds in Pounds in Allendale, NJ. Showcasing her commitment to making a difference in the lives of animals in need.

Local Roots and a Vision for Success

Nicole has called Vernon her home for the past six years, embracing the serene beauty of Sussex County. Originally from Clifton, she spent almost 15 years in Fort Lee with her husband before deciding to move to this idyllic part of the state.

Why BHGRE Green Team?

What made Nicole decide to become a member of BHGRE Green Team? For Nicole, the choice was clear. She was drawn to the idea of having a strong support team by her side. The Green Team’s local presence and its welcoming and “homey” atmosphere were particularly appealing to her. Nicole was impressed by the passion she observed in the people she met here. Their dedication to real estate resonated with her, and she believed she could learn a great deal from their experience and expertise.

Bringing Dreams to Life, One Home at a Time

Nicole’s unique blend of experience, skills in interior design, and genuine love for helping people make her the ideal partner on your real estate journey. She sees potential in every home and is committed to finding your perfect match. Whether you’re a first-time homebuyer or an experienced investor, Nicole’s dedication and enthusiasm will guide you through the process. Ensuring a seamless and enjoyable experience from start to finish.

Ready to turn your real estate dreams into reality? Contact Nicole Albert today and let her expertise and passion guide you to your dream home!

Housing Market NewsMortgage and Home LoansWeekly Market Report December 9, 2023

Weekly Market Update for Week Ending 12/08/2023

Weekly Market Update from Cross Country Mortgage for the Week Ending 12/8/23

Mixed Labor Market Data

The major economic data released this week revealed mixed results. This caused some volatility during the week, but mortgage rates ended with little change.
In November, the economy added 199,000 jobs, above the consensus forecast of 180,000, but the results for prior months were revised lower by 35,000. The largest gains were seen in health care, government, and leisure/hospitality, while the retail sector unexpectedly posted a significant decline. The other major components of the Employment report exceeded expectations. The unemployment rate declined from 3.9% to 3.7%, below the consensus for a flat reading. Average hourly earnings increased 0.4% from October, slightly above the consensus forecast. Earnings were 4.0% higher than a year ago, the same annual rate of increase as last month and the lowest level since June 2021. Fed officials keep a close eye on wage growth because it generally raises future inflationary pressures.

While the Employment report was a bit stronger than expected overall, the JOLTS (job openings and labor turnover rates) data suggested looser conditions in the labor market. At the end of October, there were 8.7 million job openings, far below the consensus forecast of 9.3 million and the lowest level since March 2021. This equates to just 1.3 openings for each available worker, down from around 2.0 only a few months ago, nearly in line with the levels seen prior to the pandemic. In addition, the “quits” rate was just 2.3%, down from about 3.0% at the end of 2021. Since people generally are more willing to voluntarily leave their jobs when they are optimistic about finding a better one, a lower quits rate is consistent with a looser labor market. Similarly, a lower number of openings suggests that companies face less pressure to raise wages in order to hire enough workers, so this positive news on inflation also was favorable for mortgage rates.

Lower rates have jumpstarted applications for home refinancing, according to the latest data from the Mortgage Bankers Association (MBA). Applications to refinance increased 14% from last week and were 10% higher than one year ago, making the last couple of weeks the best period since 2021. Purchase applications were flat from the prior week and remain down 17% from last year at this time.

Week Ahead

The next Fed meeting will take place on Wednesday. No change in rates is expected, and investors will focus on the latest set of forecasts from officials. This will be followed by the European Central Bank meeting on Thursday. For economic reports, the Consumer Price Index (CPI) will be released on Tuesday. CPI is a widely followed monthly inflation indicator that looks at the price changes for a broad range of goods and services. Retail Sales will come out on Thursday. Since consumer spending accounts for over two-thirds of U.S. economic activity, the retail sales data is a key measure of the health of the economy.
Tue 12/12 CPI
Wed 12/13 Fed Meeting
Thu 12/14 ECB Meeting
Thu 12/14 Retail Sales
Weekly Market Update
Mortgage Rates Flat 0.00%
Dow Rose 100
NASDAQ Rose 100
Information above was provided by Cross Country Mortgage.

The Carbon Team Weekly Market Update

We would like to thank our partner, MBSQuoteline for their insightful information.

All material Copyright © Ress No. 1, LTD (DBA MBSQuoteline) and may not be reproduced without permission.

Housing Market NewsMortgage and Home LoansWeekly Market Report December 1, 2023

Weekly Market Update for Week Ending 12/01/2023

Weekly Market Update from Cross Country Mortgage for Week Ending 12/01/2023

Helping you navigate the market

Focus on Fed Officials

While the major economic data released this week caused little reaction, surprisingly dovish (in favor of looser monetary policy) comments from a Fed official were favorable for mortgage markets. As a result, rates ended the week lower.
Prior to this week, Fed officials carefully avoided providing any precise guidance on the conditions or the timing of a cut in the federal funds rate. They focused instead on whether monetary policy was tight enough to bring down inflation or whether additional rate hikes would be needed. In a speech on Tuesday, however, the Fed’s Christopher Waller unexpectedly deviated from this script. He stated that he is “increasingly confident” that monetary policy already is sufficiently tight to achieve their goals in bringing down inflation. In addition, he said that it would be reasonable to see the Fed begin cutting rates if inflation continues to slow over the next three to five months, but added that it is still “too early” to predict how likely this is to occur. Notably, rather than following his lead, officials (including Chair Powell) speaking later in the week generally shifted the discussion back to whether additional tightening will be needed. After weighing these comments, investors now anticipate that there will be multiple rate cuts next year, with the first likely taking place in May.

The PCE price index is the inflation indicator favored by the Fed. In October, core PCE, which excludes food and energy to reduce short-term volatility, was up 3.5% from a year ago, matching the consensus forecast. This was down from an annual rate of 3.7% last month and the lowest level since May 2021. While still moving in the right direction, it remains far above the Fed’s target of 2.0%.

Another significant economic report released this week from the Institute of Supply Management again reflected the prolonged struggles for the manufacturing sector this year. The ISM national manufacturing index was just 46.7, close to the lowest level since May 2020. Readings above 50 indicate an expansion in the sector and below 50 a contraction. This was the thirteenth straight month of readings below 50 for the manufacturing sector, the longest streak in about 15 years.

In other news, the Federal Housing Finance Agency (FHFA) announced that the baseline conforming loan limit for Fannie Mae and Freddie Mac mortgages in 2024 will increase 5.5% from $726,200 to $766,550. The new limit for most high-cost areas will be $1,149,825 or 150% of $766,550. This will be the eighth consecutive year of increases.

Week Ahead

Investors will continue to watch for Fed officials to elaborate on their plans for future monetary policy. For economic reports, the ISM national services index will come out on Monday. The JOLTS report, measuring job openings and labor turnover rates, will come out on Tuesday. The key Employment report will be released on Friday, and these figures on the number of jobs, the unemployment rate, and wage inflation will be some of the most highly anticipated economic data of the month.
Mon 12/4 ISM Manufacturing
Tue 12/5 JOLTS
Wed 12/6 Trade Deficit
Fri 12/8 Employment
Mortgage Rates Fell 0.15%
Dow Rose 500
NASDAQ Fell 50
Information above was provided by Cross Country Mortgage.

The Carbon Team

We would like to thank our partner, MBSQuoteline for their insightful information.

All material Copyright © Ress No. 1, LTD (DBA MBSQuoteline) and may not be reproduced without permission.

Agency News and Awards November 20, 2023

Kristi Anderson has Reached the Commission Cap!

Congratulations From Vikki Garby, President Of Better Homes and Gardens Real Estate Green Team, to Kristi Anderson for reaching the commission cap for Company Dollar Contribution in 2023!

 

 

“Kristi has been one of our top sales associates since she has been with the Green Team. She is an extremely hard worker and is determined to help every one of her clients achieve their real estate goals. She manages multiple transactions like a true professional and you would never know how much she has on her plate because she always maintains her composure. Congratulations Kristi, on yet another great year. We are grateful to have Kristi as part of the Green Team family.”  -Vikki Garby

 

 

Kristi’s dedication to her clients and hard work has allowed her to reach the cap on her commission with BHGRE Green Team. This is an outstanding accomplishment and means Kristi will now receive a 100% commission split on any deal she closes during 2023.

Kristi Anderson

 

“In the midst of a challenging market, we are proud to announce that we have achieved an extraordinary feat. Against all odds, we have successfully closed a significant number of deals, demonstrating our unwavering dedication and expertise in navigating difficult circumstances. Our commitment to excellence, tireless work ethic, and strategic approach have allowed us to surpass expectations and deliver exceptional results for our clients. We understand the intricacies of the market, and we are here to guide you through every step of the process, ensuring your success in even the toughest conditions. Trust us to turn challenges into opportunities and make your real estate dreams a reality.” – Kristi Anderson

 

 

Better Homes and Gardens Rea Estate  Green Team’s commission structure is undoubtedly 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.

Click here to learn more about Better Homes and Gardens Real Estate Green Team and why you should join our team.

Congratulations, Kristi Anderson!

Agency News and Awards November 8, 2023

Barbara Tesa has Reached the Cap!

Congratulations from Vikki Garby, President Of Better Homes and Gardens Real Estate Green Team, to Barbara Tesa for reaching the commission cap for Company Dollar Contribution in 2023!

 

 

 

“I am very happy for Barbara as she once again reaches the cap.  If you know Barbara, you would agree that she is a true professional.  She takes her work in this industry very seriously.  She is responsive, intelligent, and fun to be around.  That is why she continues to excel as one of BHGRE Green Team’s top producers.  Congrats Barbara, keep up the good work!”

– Vikki Garby

 

 

 

Barbara Tesa‘s dedication to her clients and hard work has allowed her to reach the cap on her commission with BHGRE Green Team. This is an outstanding accomplishment and means Barbara will now receive a 100% commission split on any deal she closes during 2023.

Barbara Tesa’s thoughts on hitting CAP:

 

 

 

 

“Though it’s been a tough year with scant inventory, rising home prices and interest rates, I’m happy to have been able to help my clients buy or sell their homes. I could not have done it without BHGRE® Green Team’s support.  They and my clients are who made reaching CAP possible and, for that, I am grateful.
Happy to have a couple months left in the year to help other clients make a move, too!”  

 

 

 

Better Homes and Gardens Real Estate Green Team’s commission structure is undoubtedly 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.

Click here to learn more about Better Homes and Gardens Real Estate Green Team and why you should join our team.

Congratulations, Barbara Tesa!

Agency News and Awards November 7, 2023

Charles Nagy and Ted Van Laar Have Reached the Cap!

Congratulations From Vikki Garby, President Of Better Homes and Gardens Real Estate Green Team, to Ted Van Laar and Charles Nagy for reaching the commission cap for Company Dollar Contribution in 2023!

 

 

“Ted & Charlie are the dynamic duo of the Green Team. They are truly a force to be reconned with. Their success this year is astounding and proof that their clients love them as much as we do. All we hear about is how the market is turning, yet these two have had one of their best years. Keep up the excellent work, Ted and Charlie. We’re so lucky to have you on our Green Team.”

-Vikki Garby

 

 

 

Ted and Charlie’s dedication to their clients and hard work have allowed them to reach the cap on their commission with BHGRE Green Team. This is an outstanding accomplishment and means they will now receive a 100% commission split on any deal they close during 2023.

 

 

 

“Hard work always gets the job done.  The old expression “when the going gets tough, the tough get going” is the best way we can describe the reason for the success we have had.  This year, the market has been a difficult one, but we were fortunate to overcome the obstacles it presented by sheer force and effort.  There’s no magic, just hard work and tenacity to get the job done. ”

Charles Nagy & Ted Van Laar

 

 

Better Homes and Gardens Real Estate Green Team’s commission structure is undoubtedly 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.

Click here to learn more about Better Homes and Gardens Real Estate Green Team and why you should join our team.

Congratulations, Ted and Charlie!

Agency News and Awards September 26, 2023

Meet Harris Cruz

Meet Harris Cruz, Your Trusted Real Estate Advocate from Better Homes and Gardens Real Estate Green Team!

In the dynamic world of real estate, where professionalism, expertise, and a genuine passion for properties converge, Better Homes and Gardens Real Estate Green Team proudly introduces its latest standout addition, Harris Cruz. With an impressive background in Real Estate Development, Construction Management, and Property Management, Harris is poised to make a significant impact as an agent, infusing his unique blend of skills and experiences into every endeavor.

From Foundations to Future Homes

Before starting his real estate journey, Harris Cruz was deeply involved in Real Estate Development, Construction Management, and Property Management. His enthusiasm for transforming vacant spaces into thriving communities kindled his aspiration to create something extraordinary. During this time, Harris gained an intricate understanding of the industry’s nuances and a deep appreciation for converting blueprints into reality.

A Homeowner’s Insight

Harris’s personal journey as a homeowner significantly influenced his decision to delve into real estate. Owning his own home not only established a profound connection to the process but also instilled genuine empathy for the dreams of potential homebuyers. This unique viewpoint empowers him to approach his role as an agent with a sensitivity that transcends mere transactions.

Rooted in Pine Bush, NY

Proudly anchored in Pine Bush, NY, Harris Cruz isn’t just an agent – he’s a community advocate. His deep ties to the area give him an insightful understanding of local market trends, allowing him to deliver tailored advice and solutions to clients. Harris’s unwavering commitment to his community is palpable, radiating through every facet of his professional pursuits.

A Seamless Match

Aligning himself with Better Homes and Gardens Real Estate Green Team was a natural decision for Harris. The agency’s unwavering dedication to its agents, complemented by a robust support structure and comprehensive training initiatives, deeply resonated with Harris’s values and aspirations. With the Green Team, Harris discovers a nurturing environment where his skills can flourish and where continuous learning and growth are intrinsic to the journey.

Skills That Elevate

Harris Cruz’s skill set is as diverse as it is impressive. His adept negotiating skills make him a formidable client advocate in every transaction. His discerning eye for property assessment ensures clients receive precise investment valuations. And let’s not overlook his design proficiency – an added asset that enables him to provide insightful recommendations for enhancing a property’s visual allure.

Conclusion

As BHGRE Green Team embraces Harris Cruz, a thrilling chapter unfolds in his career and the agency’s narrative. With a background steeped in real estate development and management, a homeowner’s insight that resonates on a personal level, and a skill set that is nothing short of exceptional, Harris Cruz is positioned to redefine the essence of real estate excellence. Whether you’re a buyer seeking the perfect property or a seller looking to optimize your investment’s value, Harris Cruz epitomizes Better Homes and Gardens Real Estate Green Team’s commitment to success and tailored service. Prepare to witness the future of real estate, one property at a time, guided by Harris Cruz’s vision and expertise.