Tere Episale- Wanaque Haskell NJ Real Estate

SOLD June thru September 2009
Address	Town	LT SZ	Acres	Style	RM	BR	TBT	Gar	BSMT	Yr Blt	List Price	Closed Date	Sold Price	DOM
728 Ringwood	Wanaque	37X146*	.12*	Fixer Upper	7	3	2	1	Yes	1890	$159,900	7/31/2009	$159,900	113
4 Henry Place	Haskell	50X100*	.11*	Bungalow	6	2	1	0	Yes	1949	$205,000	6/1/2009	$190,000	269
11 Storms Pl	Haskell	123 X 95	.26	Colonial	5	3	1	2	Yes	1907	$225,000	6/2/2009	$195,000	154
16 Boulevard	Haskell	75X90*	.16*	Ranch	4	2	1	0	No	1950	$239,888	7/20/2009	$235,000	11
42 Rhinesmith	Wanaque	50 x 100	.53*	Ranch	6	2	1	2	Yes	1929	$249,888	8/31/2009	$253,000	7
4 Park Avenue	Wanaque		.11	Ranch	5	2	1	1	Yes	1942	$250,000	7/24/2009	$240,000	61
564 Ringwood	Wanaque	80 x 100	.18	Colonial	7	2	2	1	Yes	1895	$259,900	8/12/2009	$250,000	61
8 Leonard Pl	Haskell	73X95*	.16*	Cape Cod	6	4	1	0	Yes	1950	$259,900	6/5/2009	$258,000	6
127 Jackson St	Haskell	59X100*	.14*	Ranch	5	2	1	1	Yes	1917	$269,000	7/31/2009	$250,000	53
64 Lakeside Av	Haskell	57X125*	.16*	Split Level	6	3	1	1	Yes	1957	$269,900	7/10/2009	$252,500	113
75 Doty Road	Haskell		.21	Ranch	5	3	1	0	Yes	1958	$270,000	8/10/2009	$230,000	39
5119 Warrens	Wanaque	COMMON		55+ condo	6	2	2	1	No	2006	$272,900	7/10/2009	$270,000	28
5302 Warrens	Wanaque	0	0	55* condo	6	2	2	1	No	2006	$275,000	6/3/2009	$260,000	110
6D Brookside	Wanaque	0.005682*	.01*	Townhouse	6	2	2.1	1	Yes	1982	$279,000	6/30/2009	$262,000	123
9123Brookside	Wanaque	common		55+ condo	7	2	2	1	No	2005	$279,000	6/8/2009	$225,000	117
6114 Warrens	Wanaque	Common	*	55+ condo	6	2	2	1	No	2005	$279,900	9/21/2009	$279,900	18
1E Brookside	Wanaque	0.005682*	.01*	Townhouse	6	2	2.1	0	Yes	1986	$289,000	8/3/2009	$289,000	84
13 Willow Way	Wanaque	85X115*	.22*	Cape Cod	7	4	1.1	1	Yes	1958	$289,900	8/17/2009	$270,000	70
8314 Warrens	Wanaque	n/a		55+ condo	6	2	2	1	No	2005	$297,900	6/30/2009	$272,500	96
15 Carter Rd	Haskell	000	*	Townhouse	5	2	2.1	1	No	2000	$299,999	8/3/2009	$270,000	163
4116 Warrens	Wanaque	Common		55+ condo	6	2	2	1	No	2000	$305,000	8/21/2009	$305,000	9
10 George St	Wanaque	50X119*	.14*	Colonial	6	3	1.1	1	Yes	1900	$309,888	6/26/2009	$309,888	44
124 Monroe St	Haskell	67X100*	.15*	Colonial	7	3	1.1	2	Yes	1918	$309,900	6/19/2009	$305,950	9
40 Stephens	Wanaque	96X135*	.3*	Colonial	5	2	2	0	Yes	1892	$314,900	6/26/2009	$315,000	38
166 Carter Rd	Haskell	0000		Townhouse	6	2	2.1	1	No	2000	$319,000	7/31/2009	$300,000	85
15 Lorrie Lane	Wanaque	94X120*	.26*	Bi-Level	8	3	1.2	2	Yes	1974	$325,400	9/17/2009	$315,000	332
400 Ringwood	Wanaque	57X206*	.27*	Colonial	8	4	2	2	Yes	1930	$329,000	8/3/2009	$319,000	14
7415 Warrens	Wanaque		435	Hi-Rise	6	2	2	1	No	2006	$339,900	7/10/2009	$300,000	186
59 Molinari	Wanaque	75X125*	.22*	Colonial,Split	8	4	2.1	2	Yes	1971	$349,888	8/10/2009	$330,000	165
81 Aldrin Drive	Wanaque	75X169*	.29*	Colonial	8	3	2	2	Yes	1970	$349,999	9/14/2009	$333,000	27
24 Borman Dr	Wanaque	75 X 125		Bi-Level	8	3	1.2	1	No	1970	$355,000	7/27/2009	$342,000	347
7 Fox Den Rd	Wanaque	91X140*	.29*	Bi-Level	7	4	2	1	No	1977	$359,888	8/25/2009	$355,000	30
9315 Warrens	Wanaque	000	0	55+ condo	6	2	2	1	No	2006	$369,888	9/15/2009	$350,000	171
74 Molinari Dri	Wanaque	75X125*	.22*	Split Level	8	4	2.1	2	No	1973	$369,999	6/9/2009	$350,000	21
Please e-mail Tepisale@aol.com for all properties currently under contract (27 total as of 9/27/2009)
**Info obtained from the Garden State MLS. Our office may or may not have participated in the sale of these properties**

The extravaganza will begin today at the Wanaque Grammar School. Marie Episale, Livia Venezia Deak and I (Tere Episale) will be hosting a fun filled table to represent Century 21 Crest Real Estate and get reacquainted with our friends and neighbors. Marie, Livia and I consider the towns of Haskell and Wanaque our area of expertise since we all grew up here and love to introduce new buyers to the area.

The event will include games, educational activities, a health fair, live music, contests and prizes. Admission at the event is free and open to all.

Please stop by our table to say hi and to pick up your free pumpkin (while they last)!

SCHEDULE of EVENTS

2:00 PM Opening Prayer & Ceremonies

Mayor Mahler & Council * American Legion * VFW

Star Spangled Banner - Teresa Torres

2:00 PM - 7:00 PM Entertainment/Music - Trent/Ossi/John

2:00 PM - 6:00 PM Wanaque Food Pantry

2:00 PM - DUSK Tables: Wanaque Board of Health * LRHS-ERASE

HPTA * WPTA * Lakeland Chorale * Lancer's Stand

Lakeland Student Cultural Center * WBEA

Gingerbread Academy * League of Women Voters

VFW * Wanaque Recreation Commission * WGHT

Wanaque Police/DARE * Wanaque First Aid Squad

Wanaque Fire Department

2:00 PM - 6:00 PM Wanaque Borough Fair Blood Drive

2:00 PM - DUSK Vendors/ Crafters Tables

2:00 PM - DUSK Food & Drink Booths

2:00 PM - DUSK Games & Rides - Gladiator Joust * Video Game Dome

Kiddie Games * Bounce Slide Combo * Fun Derby

Races * Human Foosball * Puffy the Dragon

Wrecking Ball * Sports Speed Cage * Jacks Petting Zoo

Pony Rides * Hay Rides

3:00 PM - 5:30 PM Meatball The Clown - Face Painting and Magic

5:00 PM - 5:30 PM Singer Teresa Torres

7:00 PM - DUSK DJ Entertainment provided by WGHT

DUSK/FINALE FIREWORKS

6:30 PM - 7:00 PM King Centre

Schedule of Events

Please drop off non-perishable food donations at the

Golden Age/Welcome Tent . The Wanaque Food Pantry is in extreme

need of replenishing non-perishable food items. Thank you! ☺

GAMES & RIDES

HOLIDAY INN EXPRESS................... TENTS & TABLES

Burger King............................................ Human Foosball

Lakeland Bank....................................... Bounce Slide Combo

Quick Chek............................................. Fun Derby Races

Wanaque PTA........................................ Gladiator Joust

Wanaque Education Foundation ......... Kiddie Games

Wanaque Rec Commission ................... Video Game Dome

Town Sponsored

Puffy the Dragon, Wrecking Ball, Sports Speed Cage,

Jacks Petting Zoo, Pony Rides, Hay Rides

BRAEN SUPPLY .............................. FIREWORKS

HOW I (YOUR REAL ESTATE AGENT) CAN HELP YOU QUALIFY FOR A LOW DOWN PAYMENT MORTGAGE

For many renters, the first step in buying a home is becoming educated about the process. If you're like many people considering a home purchase, you've spent nights and weekends poring over your local real estate section. You've talked to friends and relatives about their experiences. Maybe you've even purchased a book or tow to help you become more familiar with real estate terminology and the various types of mortgages commonly used today.

(Please contact me for a complimentary detailed home buyer's package which will include forms, information and service company recommendations to greatly assist you during your home search.)

Coming up with a down payment and finding a loan that meets your needs are the greatest hurdles faced by first-time homebuyers. So, you may even have leafed through stacks of brochures and flyers from lenders offering down payments that are far less than the 20 percent you'd always thought you'd need to save before you could buy. With so many excellent first-time buyer programs to choose from these days, you practically need to be an expert to sort through them all. Remember too, the deadline for the $8,000 credit to first time homeowners is November 30,2009.

That's why if you're a first-time homebuyer seeking a low down payment loan, you'll save time by selecting a professional real estate agent like myself who is experienced in working with people just like you in the area where you plan to buy. I frequently assist first-time buyers and know from experience which lenders in your area offer a low down payment program that will most closely match your needs.

As a professional real estate agent, I can help you determine whether you are likely to qualify for these special programs, since participation in some may be limited to buyers under a certain income level or for the purchase of homes below a certain purchase price. I will also be able to tell you whether there are other requirements you must fulfill in order to be considered. With some programs, for example, you must attend an educational seminar before you can be considered for one of these low down payment loans.

`It's important that I, as your agent become familiar with your current financial situation. Before you meet with me to discuss your financial situation and housing needs, you'll want to collect some basic information to make the process easier. Be prepared to show recent paycheck stubs or pay vouchers to certify sources of income; a complete list of current credit card, auto and other consumer credit payments you make each month; and recent bank and savings statements. These documents will help you and your agent determine how much home you can afford. It's also important that you disclose any prior credit problems or late payments. I may be able to suggest ways to remedy any negative remarks on your credit report that could disqualify you from a low down payment loan program.

In addition, because most lenders will require that you have several months of house payments in the bank as a reserve, I may be able to suggest ways you can increase your savings in the weeks and months leading up to your home purchase. Don't forget that some programs allow you to apply a cash gift from a family member to cover the required down payment and losing costs.

I will explain to you how we can ask the seller if they may be willing to pay your closing costs, which will reduce the amount of cash you need to have on hand up-front.

With interest rates edging up, innovative mortgage financing programs that require a low down payment are even more important than ever to first-time buyers. As a professional real estate agent, I can help you sift through the countless programs that are available and help find the one that's mortgage can eliminate the need for private mortgage insurance, which is added to your right for you.

What the heck is going on? I don't mean what "they" are telling us on every news channel with thier own slant but what is going on ....really? Maybe the crisis is worse than the news indicates. Or, maybe it isn't nearly as bad as they say. Whether the news is right or not, the real question is:

What are you (we) going to do about it? The emphasis is on "ME/YOU!"

Depending on what's "between our ears - our BRAIN," it's is either a horrible time to be in Real Estate, or it's a great time. The bottom line is - whether it is horrible or great is...ULTIMATELY up to us, individually, not the news.

In every crisis, there is OPPORTUNITY waiting to be born. Despite the negative news, the world isn't going to stop spinning. The sun is going to rise in the East tomorrow, and another day "will" unfold and certainly wonderful people everywhere will be buying a home for the first time or maybe "moving up" or moving down" but no matter....home sales will happen!

I am a full time Real Estate (Realtor) REPRESENTATIVE SINCE 1987 and I LOVE WHAT I DO!

Am I going to be controlled by circumstances that I don't like, or am I going to take advantage of the opportunities that I have in front of me, now?

I will not become paralyzed with fear and I know I just have to remain focused!

Fear isn't something that is planted in the ground. It isn't in the water we drink, or in the air we breathe - it is in one's mind only. So, the choice is ours/mine; we can either eliminate fearful thoughts, or we can let fear control us. No matter how bad the ECONOMY may or may not get, people still have "problems that need to be solved." And, lucky for me, they need and want the help and understanding of a professional "more today" than ever before.

Business is not going to stop. The PROACTIVE Realtor with experience, skill and knowledge," healthy work habits and with "impeccable" business ethics will PROSPER, and those "without" will struggle and fail...in any economy.

Listening and understanding our client's goals is more important than ever.

.STOP the "soap" about the economy being bad; its old news already!

• Keep our ATTITUDE - UP. A "positive attitude" is contagious!
• EXERCISE. Get out and walk, run, jog, stretch, swim, bike, practice yoga or anything else that gets our bodies moving!
• FOCUS ON THE SOLUTION, not on the problem. If we focus on the solution, we will find the answer.

How the current economic situation plays out for each of us, and our business, is up to us! The government is not going to solve our problems. In every crisis, there will be people who fall by the wayside, and there will be people who PROSPER. The only thing that matters is:

Which kind of professional person will I be?

THE SMART WAY TO LOOK AT HOME IMPROVEMENTS

What home improvements really pay off when the time comes to sell your house?

That's an important question for any homeowner contemplating moving or remodeling. And the only possible answer is a somewhat complicated one.

That answer starts with the fact that really major improvements - room additions, total replacements of kitchens and baths, etc., -- rarely pay off fully in the near term. It ends with the fact that small and relatively inexpensive changes can pay off in a big way in making your home attractive to buyers if your decision is to move now.

It's a simple fact, consistently confirmed across America over a very long period of time, that even the most appropriate major improvements are unlikely to return their full cost if a house is sold within two or three years.

Does that mean that major home improvements are always a bad idea? Absolutely not. It does mean, though, that if your present house falls seriously short of meeting your family's needs you need to think twice - and think carefully - before deciding to undertake a major renovation. Viewed strictly in investment terms, major improvements rarely make as much sense as selling your present home and buying one that's carefully selected to provide you with what you want.

Even if you have a special and strong attachment to the house you're in and feel certain that you could be happy in it for a long time if only it had more bedrooms and baths, for example, there are a few basic rules that you ought to keep in mind.

Probably the most basic rule of all, in this regard, is the one that says you should never -unless you absolutely don't care at all about eventual resale value - improve a house to the point where its desired sales price would be more than 20 percent higher than the most expensive of the other houses in the immediate neighborhood.

Try to raise the value of your house too high, that is, and surrounding properties will pull it down.

Here are some other rules worth remembering:

Never rearrange the interior of your house in a way that reduces the total number of bedrooms to less than three.

Never add a third bathroom to a two-bath house unless you don't care about ever recouping your investment.

Swimming pools rarely return what you spend to install them. Ditto for sun rooms - and finished basements.

If you decide to do what's usually the smart thing and move rather than improve, it's often the smaller, relatively inexpensive improvements that turn out to be most worth doing.

The cost of replacing a discolored toilet bow, making sure all the windows work or getting rid of dead trees and shrubs in trivial compared with adding a bathroom, but such things can have a big and very positive impact on prospective buyers. A good broker can help you decide which expenditures make sense and which don't, and can save you a lot of money in the process.