Thinking of buying your first home, or need to think about your retirement?
I know you will enjoy all of the information in this course & it tools, ready to invest in yourself...... the information is invaluable. Don't miss this next Real Estate Boom!
Be sure to call me anytime if you have any questions about properties in your area.
Have Fun,
Your Real Estate Investment Specialist
Theresa 631-241-4172
"FOR IMMEDIATE RELEASE" 11/04/2011
From: Exit Realty Achieve
Contact: Theresa Puglia, Associate Broker
Call Direct: 631-241-4172
Theresa Puglia of Exit Realty Achieve Awarded Real Estate'sPrestigious 203k Specialist™ Designation
Exit Realty Achieve is proud to announce that Theresa Puglia has completed the real estate industry's most comprehensive training in the use of the U.S. Government's FHA 203k Home Purchase and Renovation Loan program. With this designation, Theresa becomes a member of REbuildUSA, a nationwide organization of real estate, lending and home improvement professionals, working in partnership with Lowe's, is dedicated to helping more Americans achieve the dream of home ownership, improving our communities and contributing to the health of our economy.
"The FHA 203k Renovation Loan offers tremendous opportunities for many Americans to enjoy great prices on homes today," explains Theresa, "yet there is very little awareness of this program and the power it offers in our current economy." REbuildUSA was established with the mission of creating more awareness of the opportunities offered by the FHA 203k program, while at the same time, simplifying the process for all involved. As REbuildUSA's home improvement partner, Lowe's assists in identifying the scope of work and relative costs and then coordinates the actual renovation activities through its nationwide network of licensed installers.
"My 203k Specialist™ designation training positions me to provide professional guidance to those who would like to locate a great home in a great neighborhood to be renovated to meet their needs. These are the homes offered at the most competitive prices. Additionally, as a member of REbuildUSA, I can help my buyers more easily navigate the process of planning, securing loan approval and completing the home improvements."
203k Specialists are also trained to bring a strong competitive ![]()
advantage to home sellers by more effectively marketing their homes to a wider audience. The REbuildUSA List Assist program provides visualization tools and cost estimates allowing prospective buyers to better recognize the value of an available property, and the 203k Specialist can then help them put the power of the FHA 203k to work in purchasing and renovating the home.
"I'm excited to have more of our associates earning this designation and supporting the mission of REbuildUSA," explains Susan Hamblen, Broker/Owner, of Exit Realty Achieve. "Knowledge is power, and I believe this program really sets our people apart when it comes to helping home buyers and sellers make the most of the excellent opportunities in today's market." Theresa Puglia, has been active in real estate sales for 20 years and really knows Long Island. She also holds designations as a Buyers Agent, Relocation Specialist, 203k Specialist, & more, has won various awards and is recognized as a leading sales producer. Theresa can be reached direct at 631-241-4172.
Exit Realty Achieve, 956 W. Jericho Turnpike, Smithtown, NY 11787
Your Invited! Reserve now! Free Gift when you reserve your seat!
We will be having Relocation Seminars for Buyers & Sellers at our office:
Tuesday October 4, 2011 7 pm
956 W. Jericho Turnpike, Smithtown, NY 11787
Are you thinking of Relocating? Do you want the latest Mortgage informaton?
Sound decisions can only be made with accurate and reliable information, and I am happy to be a trusted resource for you.
Your Invited! Reserve now! Free Gift when you reserve your seat!
We will be having Relocation Seminar for Buyers & Sellers at our office:
Tuesday October 4, 2011 7 pm
956 W. Jericho Turnpike, Smithtown, NY 11787
Special Gift for the 1st 50 callers reserving their seat!

Smithtown Sold Homes:
Call to reserve as seats are limited 631-543-2009
Service For Life! September 2011 Newsletter
Puglia, Associate Broker
Focus In On Eye Health...Page 1
Prepare Yourself To Ace Your Next Job Interview…Page 2
How To Spot A Fake Check…Page 3
Four Weeds Good Enough To Eat…Page 3
Beat This Trivia Question and You Could Win <<Movie Tickets For Two>>...Page 4
What Are The Most Common Home-Buying Mistakes?…Page 4
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Focus In On Eye Health
Millions of people have undetected vision problems, and you or your family members may be among them. These simple steps will help you understand and protect your eyes:
Ø Schedule a comprehensive dilated eye exam every one or two years, even if you think your vision is fine. Have your children’s eyes checked at regular intervals. If your child has headaches or difficulty at school, it might be due to a vision problem. Amblyopia, or lazy eye, is the most common cause of eye impairment in childhood.
Another reason to go? Studies show that eye doctors may be the first to detect serious conditions such as high blood pressure, high cholesterol and diabetes because they look directly at the eyes’ blood vessels.
Ø Eat these eye “super foods”: spinach, salmon, walnuts, berries, orange bell peppers, broccoli, soy, eggs, avocados and (yes) carrots. They contain valuable nutrients such as vitamins A, C and E, beta carotene and zinc as well as lutein and zeaxanthin. Eating them will help prevent aged-related macular degeneration (which causes blurred vision and blind spots).
Ø Learn your family’s eye-health history. People with a family history of some eye diseases, such as glaucoma and cataracts, are at increased risk of developing them. Talk with your eye doctor to confirm diagnosis.
Ø Reduce eye strain. To avoid computer vision syndrome (headaches, dry and tired eyes), use the 20-20-20 rule: Every 20 minutes, look away 20 feet in front of you for 20 seconds.
Ø Wear protective goggles when handling power tools or chemicals. Did you know half of all eye injuries happen as a result of doing regular household chores? Buy safety goggles at any hardware store and use them.
Ø Wear sunglasses, even when it’s hazy. Look for shades that block out 99 to 100 percent of both UV-A and UV-B radiation – and make you look cool!
Thinking Of Selling Your Home Soon? Don’t attempt to sell your home without my Free consumer guide, “44 Money-making Tips For Preparing Your Home To Sell.” My exclusive report will give you all the facts for a fast, top dollar sale.
Would You Like To Know How Much Your Maybe you’re just curious. Or maybe you want to know how much your home is worth. Call me at 631-241-4172 and I’ll give you all the facts. |
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How To Spot A Fake Check
Did you know if you deposit a check that is found to be fake, you’re responsible for the funds and could face criminal charges? You may find fake checks in the mail from unknown sources (probably a scam artist). Here’s how to check the check:
Look at the bank logo. If it doesn’t have one or it’s faded, be suspicious.
Study the MICR (Magnetic Ink Character Recognition) line, a series of digits at the bottom of the check representing the bank routing number, account and check number (in that order). A check with no routing number (the first nine digits) is counterfeit. You can verify bank routing numbers at: http://www.fededirectory.frb.org/reserve.cfm
Examine the signature. If it looks digitized, it was likely scanned.
Be wary if the amount is just under $5,000. Federal rules require that checks under that amount be available to you within five days.
Do You Have A Real Estate Or Home- Ownership Question You Want Answered?
Maybe you want to know how much your home is worth. Or maybe you just need a recommendation for a handyman, carpet cleaner or plumber…
Either way, I love hearing from all of my good friends and clients. And I’m always looking to answer pressing questions you might have about anything relating to real estate or home-ownership. |
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4 Weeds Good Enough To Eat
If you can’t think of anything for dinner, look in your backyard. These weeds are edible, but do your research and properly identify them (and make sure you or the neighbor’s dog haven’t sprayed them with something) before you put them on your plate. A tip: don’t try these if you are prone to allergies.
¨ Dandelion. Add the leaves, which contain vitamins A, C and K, to soup. The leaves are more tender and less bitter if you eat them before they flower. ¨ Plantain (the weed, not the banana). Blanche the leaves and sauté with butter and garlic. You also can crush them and use on insect bites. |
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Real Estate Corner…
Q. What are the most common home-buying mistakes?
A. First, you should work with a REALTOR®, a professional who will guide you through the process and help you avoid these pitfalls:
¨ Not knowing how much house you can afford. Mortgage calculators are available online. Be sure to factor in such items as property taxes, maintenance and insurance.
¨ Not shopping for loan options. You need to know your credit score, get pre-qualified and pre-approved.
¨ Not including mortgage financing and professional inspection contingencies in the contract. The mortgage financing clause saves you if the home doesn’t appraise for the offered price; the inspection clause allows you to negotiate (or cancel the deal) if an inspector finds problems.
¨ Falling in love with a house without considering all the facts, such as structural flaws, location, neighborhood and potential for resale. |
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