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April 2009 Real Estate Update!

by Susan Laskin

Read through my Pascack Valley Real Estate Newsletter below!  There is wonderful information for Buyers, Sellers & Pascack Valley Dwellers alike!  Learn about Mortgate Rates, Local Market Conditions, Home Appeal & more! 

When you're finished browsing through the articles below, head over to some of my websites for more information! 

At, you can browse through my Featured Listings, search All Local Listings, learn about the various Pascack Valley towns, read through my Library of Real Estate Tips & more!

The Key to Your Real Estate Success!

Susan Laskin, Sales Associate
April 2009
#1 Expert In Bergen County & All of New Jersey!
#1 Agent in The Coldwell Banker Hillsdale Office!
Most Sales in the Coldwell Banker Hillsdale Office
than Any Other Realtor! 2005 - 2009 to date!

Copyright © 2009 Realty Times
All Rights Reserved.

owned and operated NRT Inc.

Five Ways to Wow Buyers

  These days, tax credits and high housing inventory make it a buyers' market. If you're a seller, don't despair. There are a variety of renovations that can help make your home stand out. Many buyers look at numerous homes when shopping for a house; so enhancing your home to make it more memorable is vital and increases the chances of a successful sale.
      Clearing clutter, taking down personal photos, applying a fresh coat of paint, making minor repairs, and keeping a pleasant aroma are all basic techniques to make your home more appealing. But there are a few other

Mortgage Rates

View current rates

U.S. averages as of March 26, 2009:

30 yr. fixed:   4.85%
15 yr. fixed:   4.58%
1 yr. adj:        4.85%

creative enhancements that you can do to wow buyers without emptying your wallet. The results not only attract more attention, but also paint a picture of a well-cared-for home.

Wondering What Your Home Is Worth?

Let me show you.

Where Housing is Headed

     We received an important indicator of where housing is headed last month, when new mortgage applications for home purchases and refinances suddenly surged as they hadn't in months.
      Applications for FHA loans to buy houses were up by 10.4 percent. And overall home purchase applications jumped by 7.1 percent.
      Meanwhile mortgage interest rates dropped to their second lowest level in nearly two decades, according to the Mortgage Bankers Association. Thirty year fixed rates averaged 4.96 percent and fifteen year rated dropped to just 4.5 percent.
      Why's this important? New financing applications to buy homes obviously point to rising purchase contracts and closed sales in the months ahead. They also suggest that prices have hit a level in many markets that is attracting once-hesitant buyers off the sidelines.
      There's still another factor that's likely at work here as well: Congress's

What You Need to Know
to Buy a Home Today

     Don't let a sluggish economy get you down. There are reasons to shop for personal items—including a new home. I recently saw an advertisement for a new car that said you could return the car in the first year if you lose your job. While there may not be that incentive for homes yet, some other perks might give you reason to start your housing search.
      If you can afford to buy, consider making homeownership a goal this year, especially if you haven't owned a principal residence in three years prior to buying. The new stimulus package sweetens the deal for homebuyers who purchase a residence on or after January 1, 2009, and before December 1, 2009. The incentive is for first-time homebuyers who remain in their home for at least three years. It provides a credit for 10 percent of the home purchase price, up to an $8,000 limit. The credit can be taken on your 2008 or 2009 tax return.
      If you close on a home after the April 15 tax deadline, you can apply for an extension provided that you close on your home before the extension deadline of October 15. If you're extra speedy and have already filed your 2008 return, don't worry — you can file an amendment to claim the credit. You have three years to

When Is It Time To Replace Your Roof?

     Red flags that signal it's time to replace your roof may be over your head.
      Sunlight permitting holes and bucket brigade-sized leaks are obvious signs it's time for a new topper for your home.
      There are however, additional indicators that may not be so obvious.
      "Certainly if your roof is approaching the end of its life cycle -- usually 20 – 25 years for asphalt shingles -- it's time to think about a new roof," says Ray Rosewall, president and CEO of DaVinci Roofscapes in Kansas City, KS.
      The National Association of Homebuilders says decorative slate, metal, masonry and newer synthetic roofs can have a life expectancy of 50 years or more.
      "However, a calendar shouldn't be the

Local Market Conditions

Daily News and Advice

Read about the events shaping the Real Estate market today, find current interest rates, or browse the extensive library of advice and how-to articles written by some of the top experts in Real Estate. Updated each weekday.

More Articles

March Round Up: Rates Hit Another New Low

Investor Report: Refinancings

Seller's Home Appeal for Today's Market

U.S. Treasury: Mortgage rates As Low As 2 Percent

Susan Laskin,
Marketing and Sales Specialist,
Relocation Specialist

DIRECT: 201 930-3051 Cell: 201-615-5353
Sales Associate

Coldwell Banker Residential Brokerage
201 930-8820 ext. 117
50 Broadway
Hillsdale, NJ 07642

Equal Housing Opportunity


Pascack Valley Real EstateThis is my family’s 29th year in the Pascack Valley,  and I must say that it has been quite a ride!  When we first arrived, we were brand new parents (in fact, I never made it to the closing of our first daughter was 3 weeks early, and the closing was delayed).   We then enjoyed the benefits of home ownership; incredible neighbors, young and old, involvement in the community, schools, and growing our family and decorating out home.

29 years later, and another home, and I can look back with pride at our choice of community and location!  This is an outstanding place to raise a family, including remarkable schools, wonderful neighbors, close proximity to work, shopping, and cultural endeavors, and a community with strong family values, an intense concern for neighbors, and a resounding pride in maintaining a safe, strong, and effective educational system for the children residing in our community.

Residents in the Pascack Valley promote environmental  concerns, top rated schools, and community pride.  These eight remarkable towns, River Vale, Hillsdale, Montvale, Woodcliff Lake, Westwood, Emerson, Twp of Washington and Park Ridge, (and often Oradell), are the place to plant your roots, and your Real Estate dollars.  With mortgage rates at an all time low, THIS is the Place to find your dream home..a home in the Pascack Valley.

For more information on the Pascack Valley, visit my website,!  Here you can Browse through my Featured Pascack Valley Real Estate, Search All Local Listings, read through my Library of Real Estate Tips & more!

Want to know what Your Home is Worth?  Use my Free & Instant Home Analysis Tool!

Read more of my Pascack Valley Real Estate blogs!

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Contact Information

Photo of Susan Laskin, Sales Associate Real Estate
Susan Laskin, Sales Associate
Coldwell Banker Residential Brokerage
50 Broadway
Hillsdale NJ 07642
Cell: 201-615-5353 (Call First!)
Office: 201-930-8820 x117
Fax: 201-664-1925

Cell: 201-615-5353 (call first!)  Office: 201-930-8820 x117