Westchester County Home News

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Your Home Sold Guaranteed or I will Buy it for Cash

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Wednesday, May 19, 2010

Rebuilding Your Credit!!

10 Tips to Rebuilding After a Bankruptcy

As a rule of thumb, bankruptcy is the least desirable option available to you when your finances have gotten out of control. However, if your financial situation has been going downhill for an extended period of time, your credit standing is probably so bad that filing for bankruptcy really won’t do much to make it worse, with one exception: A bankruptcy remains on your credit report for 10 long years. With this in mind, creditors will know that once you file bankruptcy, you cannot do so again for seven years.

As a member of the Top 5 in Real Estate Network®, I, along with my team, am well versed in some of the ways you—or someone you know—can start to rebuild your financial life after bankruptcy. Here are 10 tips from consumer credit experts ApprovalGuard.com:

1. Plan your credit recovery. Take it slow and easy, do it right and don’t exceed what you can afford.

2. Learn more about how credit works through the Internet, counseling services or a service. Do it right and know what you’re doing.

3. If your credit report contains inaccuracies about debt that was discharged through your bankruptcy, contact the creditor or the credit bureaus to request a correction.

4. If you didn’t have enough savings to survive a setback, get serious about savings for an emergency fund. In the current economy you need at least 12-16 months.

5. If your problem was overspending, create a written budget and stick to it.

6. If your problem was related to medical bills, seek out a solution for insurance.

7. To re-establish a strong credit profile, you need a good history of payments from credit cards and installment debt such as autos, student loans or a home loan.

8. The rebuilding process requires you to use credit responsibly. Use only a small portion (30% or less) of your available credit line and ensure you make a payment every month.

9. When you start to re-establish your credit, consider a “secure” credit card. Such cards are usually backed by your savings account or money you place in escrow to cover 100% of your credit line in case you don’t pay your payment.

10. You may be able to apply for a home loan in as little as two years after the discharge of your bankruptcy, however, expect to pay higher fees and interest rates.

When you are ready to rebuild, make sure you understand credit and how to use it responsibly. Feel free to e-mail our team for further information and please forward this e-mail to family and friends to keep them in the know as well.

Sincerely,

Anthony Crecco & Joanne Ricciardella
Crecco Real Estate
Office: 914-449-6547
Mobile: 914-469-1861
anthony@creccorealestate.com
http://www.CreccoRealEstate.com
Sent on the Sprint® Now Network from my BlackBerry®

Posted via email from Wisdom For You Today

Tuesday, May 18, 2010

For Sale By Owner

Download now or watch on posterous

Video 1.wmv (1615 KB)

Sell Your Own Home and Save Thousands!!!

Posted via email from Wisdom For You Today

Action is Power: Tips for Getting Started

It may be true that knowledge is power, but knowledge without action is not very powerful at all. In fact, it is very common to see talent wasted because no action is taken to produce results. The following are a few tips for taking action, which is perhaps the single biggest key to success, in business and in life.

Don't over-analyze tasks. Sure you need to think things through, but you can over-think them too. If you worry too much about getting it perfect before implementation, you can lose momentum, lose your window of opportunity, or worst of all...never do it at all.

A good strategy is to be sure your idea is ethical and legal. Then, if you think your chances of success are at least 70%, implement your idea. Successful people tend to make decisions quickly and change them slowly, where many unsuccessful people make decisions slowly and change them quickly. Be a part of the first group and implement your ideas.

Break a large project in to bite-size pieces – your action steps. If a project or plan that you know will improve your business just seems too large or overwhelming, break the plan down into manageable steps. Determine what action needs to be taken first, then go ahead and do it. After all, how do you eat an elephant? One bite at a time. And the same concept should apply for large projects.

Don't procrastinate. Easier said than done, right? But the truth is, the longer you wait to do something, the less the chance you will ever do it. Rather than putting it on your endless list of "to-dos," do it right away – right now if possible. You will impress your clients – they will love it! Don't you love it when you are the customer and you get service right away? You may even impress yourself and start getting into the habit of "doing it right now."

Believe in yourself and the power of taking action. Did you ever think of a great idea at night, only to talk yourself out of it in the morning? Worse yet, have others talked you out of it, ultimately denying you your dream? Believe in yourself...take chances...go for it. Sometimes we spend so much time thinking about the task that it becomes daunting. Don't think about it. Go ahead and get started. Just do it!

It doesn't matter how many great ideas you hear or see. It doesn't matter how many great plans you come up with for yourself, your business, or your life. What matters is how many of these ideas, plans and dreams you actually put into action and make a reality. Do you have something that's been on your to-do list for months? Do you have a great idea you've been kicking around? Do you know the next push you need to move forward in your career or your life? Grab it right now – don't wait another day. Take a step, make a decision, put your plans into motion and enjoy the rewarding feeling of having taken action!

THE CRECCO COMPANIES

Real Estate Remodeling Social Media

Anthony J Crecco

Short Sale and Loan Modification Expert

Thornwood NY 10594

914.269.8184

www.CreccoRealEstate.com

Your Home Sold Guaranteed or I will Buy it for Cash

SEARCH THE MLS LIKE AN AGENT

Twitter: www.twitter.com/anthonycrecco

Posted via email from WESTCHESTER COUNTY DISTRESSED PROPERTY INFORMATION

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You Tube: http://www.youtube.com/user/anthonycrecco

The information contained in this communication, including any attachments, is privileged and confidential information intended only for the use of the individual to whom it was addressed. If the reader of this message is not the intended recipient, you are hereby notified that any dissemination, distribution or copying of this communication is strictly prohibited. If you received this in error, please contact the sender and delete or destroy the material.

Friday, May 14, 2010

9 Steps to a Quick Sale

The 9 Step System To Get Your Home Sold Fast and For Top Dollar

The Real Estate Market Has Changed . . .

"Buyers are far more discriminating, and a large percentage of the homes listed for sale don't sell the first time. It's more critical than ever to learn what you need to know to avoid costly seller mistakes in order to sell your home fast and for the most amount of money."

Remember not so long ago, when you could make your fortune in real estate. It was nothing then to buy a home, wait a short while, and then sell it at a tidy profit.

And then do it all over again.

Well, as you probably know, times have changed. As good as the market is right now, home prices are still below what they were at their peak. Buyers are far more discriminating, and a large percentage of the homes listed for sale never sell. It's more critical than ever to learn what you need to know to avoid costly seller mistakes in order to sell your home fast and for the most amount of money.

The 7 Deadly Mistakes Most Homesellers Make

Failing to analyze why they are selling.
Not preparing their home for the buyer's eye.
Pricing their homes incorrectly.
Selling too hard during showings.
Signing a long term listing agreement without a written performance guarantee.
Making it difficult for buyers to get information on their home.
Failing to obtain a pre-approved mortgage for ones next home.

The 9 Step System to Get Your Home Sold Fast and For Top Dollar

Selling your home is one of the most important steps in your life. This 9 step system will give you the tools you need to maximize your profits, maintain control, and reduce the stress that comes with the homeselling process:

1. Know why you're selling, and keep it to yourself.

The reasons behind your decision to sell affect everything from setting a price to deciding how much time and money to invest in getting your home ready for sale. What's more important to you: the money you walk away with, or the length of time your property is on the market? Different goals will dictate different strategies.

However, don't reveal your motivation to anyone else or they may use it against you at the negotiating table. When asked, simply say that your housing needs have changed.

2. Do your homework before setting a price.

Settling on an offering price shouldn't be done lightly. Once you've set your price, you've told buyers the absolute maximum they have to pay for your home, but pricing too high is as dangerous as pricing too low. Remember that the average buyer is looking at 15-20 homes at the same time they are considering yours. This means that they have a basis of comparison, and if your home doesn't compare favorably with others in the price range you've set, you won't be taken seriously by prospects or agents. As a result, your home will sit on the market for a long time and, knowing this, new buyers on the market will think there must be something wrong with your home.

3. Do your homework.

(In fact, your agent should do this for you). Find out what homes in your own and similar neighborhoods have sold for in the past 6-12 months, and research what current homes are listed for. That's certainly how prospective buyers will assess the worth of your home.

4. Find a good real estate agent to represent your needs.

Nearly three-quarters of homeowners claim that they wouldn't use the same realtor who sold their last home. Dissatisfaction boils down to poor communication which results in not enough feedback, lower pricing and strained relations. Another FREE report entitled 10 Questions to Ask Before You Hire an Agent” gives you the straight, to-the-point questions you should be asking when you interview agents who want to list your home. You can obtain a FREE copy of this report from my website.

5. Maximize your home's sales potential.

Each year, corporate North America spends billions on product and packaging design. Appearance is critical, and it would be foolish to ignore this when selling your home.

You may not be able to change your home's location or floor plan, but you can do a lot to improve its appearance. The look and feel of your home generates a greater emotional response than any other factor. Clean like you've never cleaned before. Pick up, straighten, unclutter, scrub, scour and dust. Fix everything, no matter how insignificant it may appear. Present your home to get a "wow" response from prospective buyers.

Allow the buyers to imagine themselves living in your home. The decision to buy a home is based on emotion, not logic. Prospective buyers want to try on your home just like they would a new suit of clothes. If you follow them around pointing out improvements or if your decor is so different that it's difficult for a buyer to strip it away in his or her mind, you make it difficult for them to feel comfortable enough to imagine themselves an owner.

6. Make it easy for prospects to get information on your home.

You may be surprised to know that some marketing tools that most agents use to sell homes (eg. traditional open houses) are actually not very effective. In fact only 1% of homes are sold at an open house.

Furthermore, the prospects calling for information on your home probably value their time as much as you do. The last thing they want to be subjected to is either a game of telephone tag with an agent, or an unwanted sales pitch. Make sure the ads your agent places for your home are attached to a 24 hour prerecorded hotline with a specific ID# for your home which gives buyers access to detailed information about your property day or night 7 days a week without having to talk to anyone. It's been proven that 3 times as many buyers call for information on your home under this system. And remember, the more buyers you have competing for your home the better, because it sets up an auction-like atmosphere that puts you in the driver's seat.

7. Know your buyer.

In the negotiation process, your objective is to control the pace and set the duration. What is your buyer's motivation? Does s/he need to move quickly? Does s/he have enough money to pay you your asking price? Knowing this information gives you the upper hand in the negotiation because you know how far you can push to get what you want.

8. Make sure the contract is complete.

For your part as a seller, make sure you disclose everything. Smart sellers proactively go above and beyond the laws to disclose all known defects to their buyers in writing. If the buyer knows about a problem, s/he can't come back with a lawsuit later on.

Make sure all terms, costs and responsibilities are spelled out in the contract of sale, and resist the temptation to diverge from the contract. For example, if the buyer requests a move-in prior to closing, just say no. Now is not the time to take any chances of the deal falling through.

9. Don't move out before you sell.

Studies have shown that it is more difficult to sell a home that is vacant because it looks forlorn, forgotten, simply not appealing. It could even cost you thousands. If you move, you're also telling buyers that you have a new home and are probably highly motivated to sell fast. This, of course, will give them the advantage at the negotiating table.

For more information about any of our innovative homeowners programs, give us a call.

THE CRECCO COMPANIES

Real Estate Remodeling Social Media

Anthony J Crecco

Short Sale and Loan Modification Expert

Thornwood NY 10594

914.269.8184

www.CreccoRealEstate.com

Your Home Sold Guaranteed or I will Buy it for Cash

SEARCH THE MLS LIKE AN AGENT

Twitter: www.twitter.com/anthonycrecco

Posted via email from WESTCHESTER COUNTY DISTRESSED PROPERTY INFORMATION

ActiveRain: http://activerain.com/blogs/ajc9761

You Tube: http://www.youtube.com/user/anthonycrecco

Friday, May 7, 2010

Networking Tips

NETWORKING TIP OF THE WEEK

Purpose of Initial Communication:

Within 60 seconds you must:
1. Turn suspects into prospects
2. Qualify for interest
3. Set an appointment

Communication Plays:
1. Rapport Play – Who I am
a. Your goal with the rapport play is to: Break the ice, lay the foundation for a relationship,
                   establish professionalism and credibility, and it lets them know who you are.
b. You must execute with confidence, keep it short, and make a connection.
c. Example: “Hello Mr. Jones, I’m Jordan Wexler with Encino Business Network.
                   You may have heard of us.”

2. Positioning Play – What I do
a. Your goal with the positioning is to: Stake a claim and let them know what you do.
b. You must “claim it or never own it” and state it often.
c. Example: “I am running the Encino Business Network where we connect thousands
                  of local business professionals together.”

3. Benefit – Why clients like you care
a. You must transition your focus to your prospect where you make an offer of something
                   desirable and compelling. You must tell them why customers care about your service
                   so they are inspired to meet with you.
b. Remember that all prospects are self-interested so you must present benefits, advantages
                  and features to peak their interest.
c. Make sure that your benefit play covers one of these benefits for your prospects: Profit,
                   Pain Relief, Pleasure, Prestige or Preservation.
d. Example: “We help business professionals receive quality referral leads from consumers
                  and other business professionals while also assisting them in getting ranked on the first
                  page of major search engines.”

4. Proof – Evidence/proof of why you should care
a. You must include proof to back up your benefits to strengthen your credibility and
                   validate any of your claims. This builds confidence in you as a salesperson, and it
                   shows evidence of the benefit to the consumer.
b. Remember that sales is an honorable profession, so keep it that way. Integrity leads
                   to repeat business, so the proofs must be true, verifiable and related to stated benefit.
                   Keep the proofs reasonable specific and include any referral names if possible to strengthen your claims.
c. Example: “Many of the business professionals in my network have been ranked on the
                   first page of major search engine in as little as 2 weeks; and Mr. Hansen,

who owns a local painting store, has already received more than $13,000 in referral business from my network.”

5. Schedule the next event
a. Before going into a more in-depth explanation of your service, try to schedule the next
                   event. This alleviates frictions in the sales process and it also sets the expectation of
                   moving toward the close.
b. By scheduling the next event, you increase your likelihood of moving forward to a close,
                   and saves time and follow-up work.
c. Example "I’m confident that my business network will help you grow your business, but
                   I would like to know more about your business so we can identify how my business network can help you increase your bottom line. Do you have a minute right now,

or can we meet on Wednesday or Thursday at 4:00 pm, whenever is most convenient for you?"

Summary of Initial Communication Play
“Hello Mr. Jones, I’m Jordan Wexler with Encino Business Network. You may have

heard of us. I am running the Encino Business Network where we connect thousands

of local business professionals together. We help business professionals receive quality

referral leads from consumers and other business professionals while also assisting

them in getting ranked on the first page of major search engines. Many of the business

professionals in my network have been ranked on the first page of major search engine

in as little as 2 weeks; and Mr. Hansen, who owns a local painting store, has already

received more than $13,000 in referral business from my network.. I’m confident that

my business network will help you grow your business, but I would like to know more

about your business so we can identify how my business network can help you increase

your bottom line. Do you have a minute right now, or can we meet on Wednesday or

Thursday at 4:00 pm, whenever is most convenient for you?”

THE CRECCO COMPANIES

Real Estate Remodeling Social Media

Anthony J Crecco

Short Sale and Loan Modification Expert

Thornwood NY 10594

914.269.8184

www.CreccoRealEstate.com

Your Home Sold Guaranteed or I will Buy it for Cash

SEARCH THE MLS LIKE AN AGENT

Twitter: www.twitter.com/anthonycrecco