Posts Tagged ‘brooklyn homes’

Practical Summer Home Maintenance Tips To Complete Before Fall

Saturday, July 30th, 2022

Woman doing summer home maintenance tips.

An ounce of prevention is worth a pound of cure couldn’t be more true when it comes to home maintenance tips. Unfortunately, summer seems to be flying by quickly, and before you know it, we will be inundated with pumpkin-spiced everything!

When you spend the time handling home maintenance properly, you can save money on expensive repairs and extend the longevity of appliances and essential components of your home. 

Regular home maintenance may not prevent things from happening to your home, but it allows you to evaluate and plan for necessary replacement costs in advance. An emergency may cost you a lot for repairs, and your homeowner’s insurance coverage may not include it. To learn more about homeowners’ insurance coverage, you can read this previous blog post.

While the weather remains warm, it is an optimal time to do some outside evaluation of your home. 

Let’s look at some home maintenance tips to address on the outside of your home:

Gutters

A properly functioning gutter system should allow water to flow correctly and exit the downspouts, ideally 5 feet away from the home. Visually inspect the system for signs of wear, damage, or leakage. An easy way to check without standing out in a rain shower is to spray water on the roof and watch how it flows from the house. A blockage may need attention if you witness an overflow in any of the gutters. If you are considering adding gutter guards, now is an excellent time for installation before the leaves begin to fall. Even with gutter guards, mud and debris can build up in the gutters causing issues over time. Recommendations are that gutters be cleaned twice a year, even with gutter guards installed. This article describes the different types of gutter guards and how to clean gutters.

Roof

As a homeowner, you should visually inspect your roof periodically. A pair of binoculars will allow you to look closely at the roof for missing or loose shingles and potential flashing or ridge vent issues. You can also check your roof from the inside in your attic. Look for signs of moisture, discoloration, or mold. These are indicators that there may be water penetration through the roof that a professional roofer should address. While in the attic, check the insulation to see if it is adequate.

Paint

Check your exterior paint to determine if it is time for a fresh coat. Paint can help protect your home from winter leaks. Peeling and chipping paint expose wood elements to wrought. It is essential to paint exterior surfaces when the heat and humidity are lower. The beginning or end of summer is usually a better time to tackle exterior painting for proper coverage and curing. Spending the extra time to prepare the surfaces properly will help extend the life of your painted surfaces. Professionals estimate that a well-painted exterior surface should be good for up to 10 years.

Windows

Check window caulking to ensure they are correctly sealed. While checking the windows, a thorough cleaning is in order. The recommended method is to clean frames first where dirt accumulates. Then, remove the screens, and rinse and dry them. Clean the window and replace the screens when finished.

Decks

Inspecting your deck annually is a good safety habit to adopt. It is crucial if you have an elevated deck. The first thing to check for is mold, mildew, screw pops, and loose boards. Next, check where the deck meets the house for a solid connection. Also, check that handrails and railings are firmly secured. Finally, thoroughly clean the deck frequently. A proper seal will help to extend the life of your deck. Sprinkle water onto your deck; if it beads up, the seal coat is good; if it doesn’t, it is time to reseal it.

Grill

Deep clean your grill at least once per season by cleaning grates of any debris and burned grease. Another good practice is to turn burners on high and let them run with the lid closed to burn off any built-up grease periodically throughout the summer.

Mold

Check your home’s siding for any mold growth throughout the summer. It is more likely to occur in home areas that receive little sunshine. Clean the area with a mold solution or diluted chlorine. Be sure to test for colorfastness before washing with any mold-killing solution.

Gardens

Maintain plants to prevent overgrowth near air conditioners and sidewalks.  Periodic weeding is needed to maintain the appearance and keep plants healthy. 

These home maintenance tips will help to protect your home from unwanted emergency repairs and keep your home looking good. 

There are also areas of the interior of your home to maintain during the summer months. 

Refrigerators

In the summer, refrigerators may need more energy to cool. Keep the coils clean by vacuuming or gently wiping dust away. Check door gaskets for cracks or tears and wash with soap and water. Remember to replace the water and ice filters if you have them.

Sink Disposals

Sink disposals can become smelly and clogged. Ways of cleaning out your kitchen disposal vary from ice cubes to borax. Find the method you prefer, and be sure to clean the disposal to eliminate odors periodically.

Range Hood

The filter of your range hood or over the stove microwave vent needs cleaning to remove built-up grease and grime. You can soak the filter or run it through your dishwasher. Once removed, you can also gently clean the fan blades inside.

Dryer Vents

Keeping dryer vents clean will prevent fires. In addition, a clogged dryer vent can also damage your dryer. A proper ventilation system should include an exterior vent following building codes. You can hire a professional cleaner to do the job thoroughly. Depending on how long or hard it is to reach the vents, you may be able to do it yourself.

Bathroom Fans

Your bathroom fan removes moisture from the bathroom and keeps it from recirculating in your HVAC system. However, it can become clogged with dust and dirt because it draws moisture. Turn off the power to the fan, remove the cover to clean, and gently clean the blades inside.

Ceiling Fans

The blades of a ceiling fan collect dirt and dust. Therefore, periodically clean the fan blades. Keeping fan blades clean is especially important if you or a family member suffer from allergies or asthma. There are many products on the market that make this project easy. 

HVAC Filters

Checking your filters monthly is a good practice. Recommendations are to replace filters annually to optimize your system. Dirty filters can damage your unit or make it work harder, increasing your utility usage.

It is hard to think about interior home maintenance tips in the summer when we want to be outside enjoying ourselves. You may want to save these for a rainy day, but making the time to handle these tasks will pay off in the long run.

An excellent general home maintenance tip is to keep a checklist of the items you need to do for the season. Then, you can refer to this list and check off the tasks as you complete them. Of course, you will need to refine your checklist yearly.

Contact me, Charles D’Alessandro, your Brooklyn Real Estate Agent with Fillmore Real Estate, if you are considering buying or selling a home. As a Brooklyn real estate agent with over 30 years of experience, I help many home buyers and sellers through the entire process. Reach me by phone at (718) 253-9500 ext. 1901 or by email at [email protected]
Charles D'Allesandro

Why You Should Declutter Your Brooklyn Home Before You Organize It

Wednesday, June 15th, 2022

Declutter your Brooklyn home before you organize it

You need to begin to declutter your Brooklyn home before you start to organize it. We have been spending more time at home due to the pandemic. Living and working from home may take a toll on the organization you once had. Often when you are working from home, cleaning and organizing have taken a back seat to get out of the house.

If you find it is time to organize, the first step you need to take is to declutter your Brooklyn home.

Organizing and decluttering serve different purposes. If you begin to organize before you declutter, you merely move your clutter from one spot to another. 

Many clients get serious about decluttering before they are ready to sell their homes. However, once they have gone through the process, many remark that it was freeing, enjoyable, or something they wish they had done sooner!

An organizational system will not help you manage clutter. You accumulate clutter when you hold on to things you don’t need, love, or use. So the simple first step is to go through your belongings and determine what you want to keep. 

Organizers like Marie Kondo and The Home Edit have become so popular they now have highly viewed Netflix shows featuring these organizers in action.

You must decide how to tackle the decluttering process throughout your home. Room by room may make the most sense for you. Here are some thought provokers to declutter your Brooklyn home by room:

Living Room

  • Unused decor
  • Used candles
  • Old games
  • Unidentified cords for electronics
  • Broken furniture
  • Magazines and books

Kitchen

  • Expired food and spices
  • Old dish towels, sponges, etc.
  • Unused utensils
  • Broken glass or crockery
  • Plastic food storage without lids
  • Broken or infrequently used small appliances

Bedrooms

  • Unworn clothing and shoes
  • Old bedding, pillows, etc.
  • Unwanted accessories
  • Unused gifts
  • Outdated jewelry

Bathrooms

  • Old toiletries
  • Expired medicine
  • Unused makeup
  • Tattered/stained towels
  • Excess hair products
  • Out-of-date sunscreen
  • Unused personal appliances

Office

  • Old pens/stationery supplies
  • Unnecessary paperwork and receipts 
  • Unused books/CDs/DVDs
  • Unfunctional equipment
  • Old electronics
  • Unused inks/batteries/cords

Garage

  • Unused tools
  • Old paints and chemicals
  • Unnecessary bikes and sports equipment
  • Unused pet items
  • Miscellaneous stored items

Outdoors

  • Broken or unused yard tools
  • Old toys
  • Unused planters and pots
  • Broken furniture

When you organize without thorough decluttering, you are only temporarily solving your issues. Moving the clutter out of sight is not eliminating it. You are just moving the chaos around and temporarily creating the appearance of organization. In the end, this short-term solution does not fix the problem.

When you don’t declutter first, you waste your time, energy, space, and money. 

After you spend the initial time and energy organizing the clutter, you will inevitably need to spend more time reorganizing when the first system fails to provide the desired results.

When items that need decluttering take up space, where do you put the things you actually use? Freeing storage space will allow better storage options for the items you use in your home.

You can save money when you declutter your Brooklyn home by not repurchasing things you already own because you couldn’t find them. You will also save money on purchasing organizing materials such as baskets, bins, and other organizing staples because you have less to store.

Get Started

Start with one small step if it seems overwhelming. Then, when you feel the pleasure of tackling one drawer or one closet, you will be more likely to keep going.

Tips to declutter your Brooklyn home:

  • Start with a small time increment per day to build your momentum.
  • Create three categories: Keep, Donate, Sell
  • Donate items as soon as possible after each decluttering session.
  • If you haven’t worn a clothing item in the past six months, you probably can declutter it.
  • Create a checklist of areas to declutter
  • Before and after photos will help you see the potential for your entire home.
  • A friend may be able to help you discard items if you are struggling.
  • Determine if you should relocate an item to another area of your home.
  • Follow the one-in-one-out rule by removing one item for every new thing you bring into your home.
  • Use clear storage bins to keep you organized.
  • If an item needs repair, schedule it. If you don’t have it fixed in 30 days, you can let it go.
  • Do not multitask during a decluttering session.
  • Look at your home through the eyes of a visitor.
  • Understand that you will make a mess before you get organized.

Do yourself a favor and don’t strive for perfection. Judging yourself and your space against others or, heaven forbid, a television show will create unnecessary pressure. Instead, create a space and systems that work for you.

Mental Health Benefits of DeCluttering

When you declutter, the benefits to your mental health include feeling calmer, happier, and more in control. In addition, the absence of clutter and a tidier space can help you feel more mentally relaxed.

Believe it or not, cluttered environments can increase your stress levels. However, most people find they are more productive and improve their mental and physical health by decluttering. 

Benefits of decluttering include:

Lower the risk of asthma and allergies.

Keeping clutter to a minimum reduces the dust, mold, and mildew that triggers asthma and allergies.

Focus is improved.

Clutter can be distracting and make things difficult to find. It is easier to focus on your tasks when you know where to find needed items.

Self-esteem is affected.

Surprisingly, self-esteem can be improved when your living space is organized by restoring feelings of being in control and pride.

Relationships improve.

Conflicts seem to lessen when clutter is under control in your home.

Find the lost treasures.

You may find items on your shopping list or something you haven’t been able to locate for some time in your clutter.

Studies have shown some characteristics of people who find decluttering challenging:

  • Time management and follow-through are difficult for them.
  • Procrastination tendencies make it hard to get started on a project.
  • Easily sidetracked from their task.
  • Wanting everything to be perfect deters them from tackling the job.
  • Helping others first is more important to them.

Don’t despair; having a clutter issue in your home does not mean you are a hoarder. Only 2.5% of Americans suffer from a hoarding disorder, a diagnosed psychiatric disorder. Hoarders can’t organize or manage their current possessions, yet they collect more.

If you are considering selling your home, this past blog post discusses three tips to get top dollar for your home. Cleaning and decluttering is one of those tips!

Contact me, Charles D’Alessandro, your Brooklyn Real Estate Agent with Fillmore Real Estate. As a Brooklyn real estate agent with over 30 years of experience, I help sellers declutter and prepare their homes for sale. Reach me by phone at (718) 253-9500 ext. 1901 or email at [email protected]

Charles D'Allesandro

Important Real Estate Terms Brooklyn Home Buyers Or Sellers Need To Know

Tuesday, February 15th, 2022

dictionary of real estate terms for brooklyn home buyers or sellers

Real estate terminology can get confusing for Brooklyn Home Buyers or Sellers. After all, there is a lot of information you receive in the home buying or selling process. It may feel like you have to ask a hundred questions to understand the process clearly. 

Real estate professionals often forget that some of our terms are not common to clients. For this reason, I am sharing a simple explanation of some of the words you may need to know.

Adjustable-Rate Mortgage:

type of home loan with a variable interest rate set for a period of time and then the rate adjusts at predetermined intervals.

Amortization:

the schedule of your monthly payments showing how much of your mortgage payment goes to interest and principal until your mortgage is paid in full with the last payment.

Appraisal:

an independent evaluation initiated by the lender to determine a property’s value. An appraiser evaluates the home’s condition and comparable sales in the neighborhood. This report validates the purchase price.

Assessed Value:

a public assessor determines the property’s value for tax purposes.

Cash Reserves:

remaining funds after paying the down payment and closing costs. Lenders generally require some reserves to ensure you have the financial ability to make payments.

Closing Costs:

these are fees required to cover mortgage and title expenses for a property transfer. Both buyer and seller are responsible for a portion of the costs. 

Downpayment:

the amount of money paid upfront in a home purchase. Most lenders require a certain percentage based on the mortgage loan program you are obtaining.

Escrow:

a financial account set up by the lender and funded by the homeowner’s mortgage payments to cover property taxes and homeowner’s insurance when due.

Equity:

the difference between the property value and any outstanding mortgage amount owed on the property.

Interest Rate:

the percentage of interest charged for financing a mortgage. The lender determines interest rates.

Fixed-Rate Mortgage:

the interest rate remains the same for the life of the loan.

Loan-to-Value:

this is a ratio used by lenders to measure the loan amount to the value of the property. A larger down payment will lower the ratio and appeal to the lender.

Mortgage Broker:

an individual who acts as an intermediary between borrowers and lenders. Usually works with several different lenders to provide options.

Preapproval Letter:

the letter provided by a mortgage lender verifying the buyer’s financial ability to purchase a property. Sellers generally require this letter as part of the offer process.

Private Money Loan:  

is money borrowed from an individual investor, usually used by real estate investors to finance deals that may not qualify for a traditional loan.

Private Mortgage Insurance:

this fee is a percentage of the mortgage loan when a buyer puts down less than 20% and can be satisfied once the homeowner reaches a certain equity level. It is also known as PMI.

Proof of Funds:

a statement from a financial institution that verifies the buyer has enough funds available to complete a cash purchase offer.

Refinancing:

a homeowner will usually restructure their loan later after closing to either reduce the interest rate or pull out equity.

The first step for a home buyer is to work with a lender to determine the price range of the house they qualify for and the monthly payment that comfortably fits their budget. Understanding the above terms will help you when meeting with the lender. Nerdwallet discusses how to obtain a pre-approval in this article

The real estate purchase agreement or contract offers its terms for Brooklyn home buyers or sellers.

As-Is:

a property offered in “as-is” condition means the seller is unwilling to repair the home. It does not necessarily mean there is anything wrong with the property. The property frequently offers a lower to sell in “as-is” condition. A buyer can still elect to have a home inspection for informational purposes.

Addendum:

a separate form or addendum is used to add any additional terms and conditions included in the sale but not covered in the real estate purchase contract.

Buyer’s Agent:

is a real estate agent who represents the sole interest of the buyer in the home buying process.

Contingencies:

conditions the buyer or seller needs to meet before purchasing a property can close. Typical contingencies are inspections, mortgage approvals, and appraisals.

Disclosures:

sellers are required to complete property disclosures that may reveal various defects or improvements that may affect the home’s condition. Required disclosure varies by market. Typically, the areas covered in a disclosure include general information about the house, known environmental issues, known structural issues, and mechanical systems.

Due Diligence:

This is a time-specific opportunity for a buyer to examine the property thoroughly. Generally, this timeframe is for inspections or performing tests. 

Earnest Money Deposit:

a deposit made by the home buyer typically when they enter into a contract with the seller demonstrating their earnestness in purchasing the home. The amount is held in an escrow account until closing and deducted from the buyer’s cash needed for closing.

Inspections:

a buyer may choose to inspect the property before deciding to move forward with purchasing a home. Typical inspections are general home inspections, wood-boring insect or pest inspections, and radon inspections.

Listing Agent:

is a real estate agent who represents the sole interest of the seller in the home selling process.

Mortgage Contingency:

a condition in the purchase contract that the buyer must receive a mortgage commitment from the lender by an agreed-upon date.

Seller’s Contribution/Seller’s Assist:

the seller agrees to pay a percentage or defined dollar amount towards the buyer’s closing costs if negotiated.

Title Insurance:

usually required as part of the closing process, title insurance protects the buyer from the responsibility of an undiscovered lien after closing on their new home.

an examination of public records to confirm the property’s rightful legal owner and determine if any claims or liens on the property would affect the purchase.

Transfer Tax:

when property transfers from one owner to another in the state of New York, transfer tax is collected and typically paid by the seller.

That is a lot to remember, but your real estate agent can refresh your memory as you review the sales agreement together. This previous blog post will help you to learn more about how a real estate agent can help Brooklyn home buyers or sellers.

There is some miscellaneous terminology you may hear that may need some clarification:

Comparables:

are comparable, similar homes sold in a defined radius of the subject home used to establish a fair market value.

Distressed Property:

property can be in disrepair; an owner may have defaulted on their mortgage payments or property taxes are delinquent.

Fee Simple:

this term describes the most common type of homeownership. A property owner can transfer, or an heir can inherit the property rights at the owner’s discretion.

Flipping:

an investment strategy of purchasing a home, making improvements, and then reselling the property for a profit.

Foreclosure:

a bank repossesses a property due to the owner’s inability to make mortgage payments.

MLS:

the Multiple Listing Service is a database available to licensed real estate agents to view property listings.

Motivated Seller:

a homeowner may be pressed for time, nearing foreclosure, or own property out of state and are open to negotiating a favorable price for a property.

Probate Sale:

If the death of a homeowner occurs and they do not have a written will, the probate court authorizes an estate attorney or representative to hire a real estate agent to sell the home.

Real Estate Auction:

usually, a financial institution will sell repossessed homes through an auction to the public. Privately homeowners may also choose an auction to sell.

Short Sale:  

a homeowner can not sell their property for more than what they owe on the home. The lender must approve a short sale.

Real estate has specific acronyms and terms that can confuse those not working in the field like any other industry. However, when you hire a real estate professional to work on your behalf, they can answer your questions on anything you do not understand.

Contact me, Charles D’Alessandro, your Brooklyn Real Estate Agent with Fillmore Real Estate. As a Brooklyn real estate agent with over 30 years of experience, I help many home buyers and sellers with their real estate needs. Reach me by phone at (718) 253-9500 ext. 1901 or by email at [email protected]

Charles D'Allesandro

3 Tips To Get Top Dollar When You Sell Your Brooklyn Home

Sunday, January 30th, 2022
Get top dollar when you sell your Brooklyn home

When you are ready to sell your Brooklyn home, I am sure you want to get top dollar for it. Your home may be your most significant investment, so it is an understandable goal. I can provide many tips to homeowners considering selling their homes. I have included three essential tips to help you. 

The winter doldrums have us looking towards spring. Many homeowners decide to sell their homes in the spring. The competition is always high at that time of year. Even in a hot real estate market, it is important to do some preliminary planning before the first buyer walks through your home.

Three main factors determine if a home will sell; condition, price, and location. Although you may not be able to change the location of your home, you can definitely address the condition and price to make it appealing to buyers.

To get top dollar, I recommend:

Deep Clean

Whether your home has some dated features or is updated throughout, one of the most important things you can do is deep cleaning. A neat and tidy home presents well to potential buyers. 

It is easiest to go room by room. Begin by decluttering excess items. It is essential to make each room look as spacious as possible. Don’t forget to declutter your closets also. When a buyer opens an overfilled closet with no room for extra hangers, they believe if there is no room for your clothes, there won’t be room for theirs either. Washing or painting the walls can make a big difference. Finally, take a look at the flooring. Do you need to shampoo carpets and deep clean hard surface floors to make them more appealing?

You will find some great articles on deep cleaning the inside of your home in this Better Homes and Gardens article.

Not only should you concentrate on the interior, but also the exterior. Power washing the siding and decks, cleaning windows, and attention to landscaping go far in creating the curb appeal that buyers are looking to find.  This article addresses the areas to focus on when cleaning the exterior of your home.

Sometimes we don’t see what needs to be done in our own homes because we have become used to living with it. Therefore, it may be helpful to have someone you trust to give you an honest opinion of what they think you need to address as well. 

It may take some effort and expense to prepare to sell your Brooklyn home. However, any money you spend on preparing your home outweighs the payoff you will receive from a quicker sale. 

Price Correctly

Pricing your home correctly starts with thorough research. Your real estate agent will become a valued source in helping you determine the best price to sell your Brooklyn home.

Several factors go into pricing your home. The first is the location of your home. The phrase “location, location, location” comes up in real estate regularly for a reason. The location of your home is one of the most critical factors. As I said, you can not change the location of your home. The contributors to a good or bad location include your lot location, neighborhood, schools, local amenities, and crime statistics, to mention a few. 

Your real estate agent will research comparable homes in your neighborhood. The sales price of homes similar to yours within a certain radius of your home is the first thing to evaluate. These homes should be similar in square footage, age, and lot size. Appraisers try to stay within a half-mile radius of the subject home to determine market value. 

Next, your real estate agent will look at pending homes. These are homes that have sold but have not yet closed. Based on the asking price, the information will indicate whether prices remain the same, increasing or decreasing. It also shows the types of homes buyers were interested in purchasing. You will not know the final sales price until it finally closes, but it does give some clues to the current pricing trends.

An agent will also look at homes currently for sale. These homes will be your competition. Comparing these homes will help price appropriately because buyers will also be looking at these homes in addition to yours. 

It is important to reiterate that the homes you are comparing to yours are of similar size, age, and lot size. Therefore, you need to be comparing apples to apples to determine the correct price for your home.

Overpricing a home can be detrimental to you. Unfortunately, many home sellers mistakenly feel they can negotiate a lower price. However, the truth is, you will lose the right buyers because they are not likely to look outside their price range.

Pricing a home correctly can be a difficult task. In this previous blog post, you can find more information about the importance of pricing your home correctly. With the proper guidance, you will discover the right price for your home to reflect the current pricing trends.

Hire a Real Estate Professional

Selling a home can be stressful. Hiring an agent to guide you through the process can alleviate some of that stress. There is a lot to know about the real estate process to attain a smooth transaction when you are ready to sell your Brooklyn home. 

A real estate professional can do the research and recommend a fair asking price. They know the process and have the negotiating skills to help you obtain the best results. 

They study the market and understand the current trends in the local area that may affect you as a home seller. Then, a real estate agent will guide you in presenting your home in the best possible light based on what the current buyers in your market want.

Your real estate agent will professionally market your home to obtain the proper exposure to the available buyers. Help with staging, professional photography, and internet exposure of the house are all part of a real estate marketing plan they will provide.

Statistically, homeowners who choose to sell their home for sale by owner end up selling their home 10 – 30% less than when using a real estate professional. Many homeowners believe that saving money on the commission will put more money in their pocket. But, if you are selling 10 – 30% more with the help of a real estate agent, you are ahead of the game paying the commission. In addition, you are not responsible for the tasks needed to get a home sold, like marketing, showing the house, writing contracts, negotiating sales price, negotiating inspections, and following the transaction through to closing.

Hiring the right real estate agent can be a process. First, interview several agents before deciding which one is right for you. Unfortunately, there are many misconceptions about real estate agents. I debunk some of those misunderstandings in this blog post.

When you sell your Brooklyn home you need to understand the process. These three tips can help the right buyer find your home.

Contact me, Charles D’Alessandro, your Brooklyn Real Estate Agent with Fillmore Real Estate. As a Brooklyn real estate agent with over 30 years of experience, I have helped many homeowners sell their homes quickly and profitably. I can be reached by phone at (718) 253-9500 ext. 1901 or by email at [email protected]

Charles D'Allesandro

What is a Real Estate Buyer’s Agent?

Monday, July 14th, 2014

Just what is a Real Estate Buyer’s Agent?

Brooklyn Real Estate Buyer's Agent

Charles D’Alessandro, your Brooklyn Real Estate Buyer’s Agent

Wikipedia explains it something like this:

A Real Estate Buyer’s Agent –

  • is a professional real estate agent (also known as a property search agent).
  • acts solely on your behalf as the property buyer.
  • helps you through the entire purchasing process from finding the properties that match your wants to negotiating the best possible price and conditions with the seller of a property.
  • helps you through the entire legal process to complete the purchase.
  • previews properties on your behalf and chooses those most suitable to your wants.
  • accompanies you to all property showings.
  • connects you with people who have the needed skills which are vital at each stage of the buying process such as lawyers, surveyors and other professionals.
  • has access to off-market properties through their network of contacts.
  • will advise you without self-interest for their own success fee. They offer professionalism and honorable expertise.

Subscribe to the Brooklyn Real Estate Blog to get your questions about buyer’s agents and and seller’s agents answered.

I am the Brooklyn Expert! I have been connecting clients with Brooklyn homes for over 27 years. I know the Brooklyn area inside and out. I am honest, and I know the right way to connect you with the Brooklyn home you’re looking for. Give me, Charles D’Alessandro Your Brooklyn real estate agent with Fillmore Real Estate, a call at (718) 253-9600 ext 206 or email me at [email protected].

Brooklyn Real Estate Sales Deal Of the Day!

Wednesday, April 11th, 2012

Click on the picture for more information

Mill Basin Detached Two Family Home For Sale

Brooklyn’s Home For Sale Deal Of The Day !

Detached 2 family high ranch – Beautiful Street, on large property –

Handicap accessible, priced to make a deal today! For more information, call.

Please call Charles D’Alessandro of Fillmore Real Estate at

(718) 253-9600 ext 206 or email me at [email protected]. .

Brooklyn Home for the Holidays

Friday, December 16th, 2011

As a Brooklyn real estate agent, I spend a lot of time rushing in and out of  Brooklyn homes. It’s easy for me to get caught up in the hustle-bustle of real estate transactions, and I forget to slow down to appreciate the pleasures of owning a home. So today, I want to take a moment to reflect on the home aspect of real estate.

My job (one I love) is to help people just like you find a house that suits their lives.  Once you move in, you make that house into a home.

Holiday Traditions

Your Brooklyn home is where you and your loved ones celebrate holidays and where you create and continue family traditions. Whether you deck the halls with layers of tinsel and wreaths or have the whole family over to spin Hanukkah dreidels, the spirit of the season comes from the energy of the people gathering together in your home.

Season of Family Warmth

While you’re making your famous sugar cookies or spiking your secret-recipe punch with extra holiday cheer, pause for a moment to enjoy the warmth and beauty of your Brooklyn home. My wish for you is that you live every day like it’s a holiday, being thankful and spending time with loved ones.

Happy Holidays!

May your home be filled with the joy of family and friends this holiday season. There’s truly no place like home for the holidays!

Second Mortgages on Brooklyn Homes: What You Need to Know

Tuesday, November 15th, 2011

Second mortgages on Brooklyn homes are used by people who need to access the equity on their homes. Here’s some information to help you decide if a second mortgage is right for you.

What is a Second Mortgage?

A second mortgage is taking out a second loan on top of the existing mortgage on your home. The collateral for the second mortgage is your home. The loan process is similar to getting a primary mortgage, including the need to pay for appraisals and closing costs.

The maximum amount of the second mortgage is determined by the equity in your home. The equity is the difference between what you owe on the home and the current fair market value of your home.

Why Get a Second Mortgage?

People take out second mortgages on their Brooklyn homes to:

What Should I Consider Before Getting a Second Mortgage?

Taking out a second mortgage is a big risk because your home is your collateral on the loan. Second mortgages on Brooklyn homes are riskier for the lender, so they usually have a much higher interest rate than your first mortgage.

According to an article in the Wall Street Journal, almost 40% of homeowners who took out second mortgages are underwater on their loans. This is more than twice the rate of owners who didn’t take out second mortgages.

Make sure that you can afford the monthly payments as well as the costs associated with getting a second mortgage including the appraisal fee, closing costs, etc. Before signing on the dotted line, investigate financially safer alternatives such as refinancing, selling or renting out.

If you’re considering getting a second mortgage, please think it through very carefully and weigh all your options before making a final decision.

If you’d like help determining if refinancing, selling or renting out your home is the best option for you, give me a call Charles D’Alessandro Your Brooklyn real estate agent with Fillmore Real Estate at 718/253-9600 ext 206 or email me at [email protected],

Answers to Questions When Buying A Brooklyn Home ! Page 2

Thursday, April 21st, 2011

12. HOW CAN I FIND INFORMATION ON THE PROPERTY TAX LIABILITY?

The total amount of the previous year’s property taxes is usually included in the listing information. If it’s not, ask the seller for a tax receipt or contact the local assessor’s off ice. Tax rates can change from year to year, so these figures may be approximate.

13. WHAT OTHER TAX ISSUES SHOULD I TAKE INTO CONSIDERATION?

Keep in mind that your mortgage interest and real estate taxes will be deductible. A qualified real estate professional can give you more details on other tax benefits and liabilities,

14. IS AN OLDER HOME A BETTER VALUE THAN A NEW ONE?

There isn’t a definitive answer to this question. You should look at each home for its individual characteristics. Generally, older homes may be in more established neighborhoods, offer more ambiance, and have lower property tax rates. People who buy older homes, however, shouldn’t mind maintaining their home and making some repairs. Newer homes tend to use more modern architecture and systems, are usually easier to maintain, and may be more energy-efficient. People who buy new homes often don’t want to worry initially about upkeep and repairs.

15. WHAT SHOULD I LOOK FOR WHEN WALKING THROUGH A HOME?

In addition to comparing the home to your minimum requirement and wish lists, use the HUD Home Scorecard and consider the following:

 - Is there enough room for both the present and the future?
 - Are there enough bedrooms and bathrooms?
 - Is the house structurally sound?
 - Do the mechanical systems and appliances work?
 - Is the yard big enough?
 - Do you like the floor plan?
 - Will your furniture fit in the space? Is there enough storage space? (Bring a tape measure to better answer these questions.)
 - Does anything need to repaired or replaced? Will the seller repair or replace the items?
 - Imagine the house in good weather and bad, and in each season. Will you be happy with it year-round?

Take your time and think carefully about each house you see. Ask your real estate agent to point out the pros and cons of each home from a professional standpoint.

16. WHAT QUESTIONS SHOULD I ASK WHEN LOOKING AT BROOKLYN HOMES?

Many of your questions should focus on potential problems and maintenance issues. Does anything need to be replaced? What things require ongoing maintenance (e.g., paint, roof, HVAC, appliances, carpet)? Also ask about the house and neighborhood, focusing on quality of life issues. Be sure the seller’s or real estate agent’s answers are clear and complete. Ask questions until you understand all of the information they’ve given. Making a list of questions ahead of time will help you organize your thoughts and arrange all of the information you receive. The HUD Home Scorecard can help you develop your question list.

17. HOW CAN I KEEP TRACK OF ALL THE HOMES I SEE?

If possible, take photographs of each house: the outside, the major rooms, the yard, and extra features that you like or ones you see as potential problems. And don’t hesitate to return for a second look. Use the HUD Home Scorecard to organize your photos and notes for each house.

18. HOW MANY HOMES SHOULD I CONSIDER BEFORE CHOOSING ONE?

There isn’t a set number of houses you should see before you decide. Visit as many as it takes to find the one you want. On average, homebuyers see 15 houses before choosing one. Just be sure to communicate often with your real estate agent about everything you’re looking for. It will help avoid wasting your time.

YOU’VE FOUND IT

19. WHAT DOES A HOME INSPECTOR DO, AND HOW DOES AN INSPECTION FIGURE IN THE PURCHASE OF A HOME?

An inspector checks the safety of your potential new home. Home Inspectors focus especially on the structure, construction, and mechanical systems of the house and will make you aware of only repairs,that are needed.

The Inspector does not evaluate whether or not you’re getting good value for your money. Generally, an inspector checks (and gives prices for repairs on): the electrical system, plumbing and waste disposal, the water heater, insulation and Ventilation, the HVAC system, water source and quality, the potential presence of pests, the foundation, doors, windows, ceilings, walls, floors, and roof. Be sure to hire a home inspector that is qualified and experienced.

It’s a good idea to have an inspection before you sign a written offer since, once the deal is closed, you’ve bought the house as is.” Or, you may want to include an inspection clause in the offer when negotiating for a home. An inspection t clause gives you an ‘out” on buying the house if serious problems are found,or gives you the ability to renegotiate the purchase price if repairs are needed. An inspection clause can also specify that the seller must fix the problem(s) before you purchase the house.

20. DO I NEED TO BE THERE FOR THE  INSPECTION?

It’s not required, but it’s a good idea. Following the inspection, the home inspector will be able to answer questions about the report and any problem areas. This is also an opportunity to hear an objective opinion on the home you’d I like to purchase and it is a good time to ask general, maintenance questions.

21. ARE OTHER TYPES OF INSPECTIONS REQUIRED?

If your home inspector discovers a serious problem a more specific Inspection may be recommended. It’s a good idea to consider having your home inspected for the presence of a variety of health-related risks like radon gas asbestos, or possible problems with the water or waste disposal system.

22. HOW CAN I PROTECT MY FAMILY FROM LEAD IN THE HOME?

If the house you’re considering was built before 1978 and you have children under the age of seven, you will want to have an inspection for lead-based point. It’s important to know that lead flakes from paint can be present in both the home and in the soil surrounding the house. The problem can be fixed temporarily by repairing damaged paint surfaces or planting grass over effected soil. Hiring a lead abatement contractor to remove paint chips and seal damaged areas will fix the problem permanently.

23. ARE POWER LINES A HEALTH HAZARD?

There are no definitive research findings that indicate exposure to power lines results in greater instances of disease or illness.

24. DO I NEED A LAWYER TO BUY A HOME?

Laws vary by state. Some states require a lawyer to assist in several aspects of the home buying process while other states do not, as long as a qualified real estate professional is involved. Even if your state doesn’t require one, you may want to hire a lawyer to help with the complex paperwork and legal contracts. A lawyer can review contracts, make you aware of special considerations, and assist you with the closing process. Your real estate agent may be able to recommend a lawyer. If not, shop around. Find out what services are provided for what fee, and whether the attorney is experienced at representing homebuyers.

If you would like to follow this series of questions and answers about buying your New Brooklyn Home Check it out here

If you’re looking for an experienced, energetic, resourceful  Brooklyn real estate agent or just have a few questions, give me Charles D’Alessandro your Brooklyn Realtor® with Fillmore Real Estate a call at (718) 253-9600 ext.206 or email me at [email protected]

Answers to Questions When Buying A Brooklyn Home ! Page 1

Wednesday, April 20th, 2011

1. HOW DO I KNOW IF I’M READY TO BUY A HOME?

You can find out by asking yourself some questions:

 - Do I have a steady source of income (usually a job)? Have I been employed on a regular basis for the last 2-3 years? Is my current income reliable?
 - Do I have a good record of paying my bills?
 - Do I have few outstanding long-term debts, like car payments?
 - Do I have money saved for a down payment?
 - Do I have the ability to pay a mortgage every month, plus additional costs?

If you can answer “yes” to these questions, you are probably ready to buy your own home.

2. HOW DO I BEGIN THE PROCESS OF BUYING A HOME?

Start by thinking about your situation. Are you ready to buy a home? How much can you afford in a monthly mortgage payment (see Question 4 for help)? How much space do you need? What areas of town do you like? After you answer these questions, make a “To Do” list and start doing casual research. Talk to friends and family, drive through neighborhoods, and look in the “Homes” section of the newspaper.

3. HOW DOES PURCHASING A HOME COMPARE WITH RENTING?

The two don’t really compare at all. The one advantage of renting is being generally free of most maintenance responsibilities. But by renting, you lose the chance to build equity, take advantage of tax benefits, and protect yourself against rent increases. Also, you may not be free to decorate without permission and may be at the mercy of the landlord for housing.

Owning a home has many benefits. When you make a mortgage payment, you are building equity. And that’s an investment. Owning a home also qualifies you for tax breaks that assist you in dealing with your new financial responsibilities- like insurance, real estate taxes, and upkeep- which can be substantial. But given the freedom, stability, and security of owning your own home, they are worth it.

4. HOW DOES THE LENDER DECIDE THE MAXIMUM LOAN AMOUNT THAT CAN AFFORD?

The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. According to the FHA,monthly mortgage payments should be no more than 29% of gross income, while the mortgage payment, combined with non-housing expenses, 4 should total no more than 41% of income. The lender also considers cash available for down payment and closing costs, credit history, etc. when determining your maximum loan amount.

5. HOW DO I SELECT THE RIGHT REAL ESTATE AGENT?

Start by asking family and friends if they can recommend an agent. Compile a list of several agents and talk to each before choosing one. Look for an agent who listens well and understands your needs, and whose judgment you trust. The ideal agent knows the local area well and has resources and contacts to help you in your search. Overall, you want to choose an agent that makes you feel comfortable and can provide all the knowledge and services you need.

6. HOW CAN I DETERMINE MY HOUSING NEEDS BEFORE I BEGIN THE SEARCH?

Your home should fit way you live, with spaces and features that appeal to the whole family. Before you begin looking at homes, make a list of your priorities – things like location and size. Should the house be close to certain schools? your job? to public transportation? How large should the house be? What type of lot do you prefer? What kinds of amenities are you looking for? Establish a set of minimum requirements and a ‘wish list.” Minimum requirements are things that a house must have for you to consider it, while a “wish list” covers things that you’d like to have but aren’t essential.

FINDING YOUR HOME

7. WHAT SHOULD I LOOK FOR WHEN DECIDING ON A BROOKLYN COMMUNITY?

Select a community that will allow you to best live your daily life. Many people choose communities based on schools. Do you want access to shopping and public transportation? Is access to local facilities like libraries and museums important to you? Or do you prefer the peace and quiet of a rural community? When you find places that you like, talk to people that live there. They know the most about the area and will be your future neighbors. More than anything, you want a neighborhood where you feel comfortable in.

8. WHAT SHOULD I DO IF I’M FEELING EXCLUDED FROM CERTAIN NEIGHBORHOODS?

Immediately contact the U.S. Department of Housing and Urban Development (HUD) if you ever feel excluded from a neighborhood or particular house. Also, contact HUD if you believe you are being discriminated against on the basis of race, color, religion, sex, nationality, familial status, or disability. HUD’s Office of Fair Housing has a hotline for reporting incidents of discrimination: 1-800-669-9777 (and 1-800-927-9275 for the hearing impaired).

9. HOW CAN I FIND OUT ABOUT LOCAL SCHOOLS?

You can get information about school systems by contacting the city or county school board or the local schools. Your real estate agent may also be knowledgeable about schools in the area.

10. HOW CAN I FIND OUT ABOUT COMMUNITY RESOURCES?

Contact the local chamber of commerce for promotional literature or talk to your real estate agent about welcome kits, maps, and other information. You may also want to visit the local library. It can be an excellent source for information on local events and resources, and the librarians will probably be able to answer many of the questions you have.

11. HOW CAN I FIND OUT HOW MUCH BROOKLYN HOMES ARE SELLING FOR IN CERTAIN COMMUNITIES AND NEIGHBORHOODS?

Your real estate agent can give you a ballpark figure by showing you comparable listings. If you are working with a real estate professional, they may have access to comparable sales maintained on a database.

If you would like to follow this series of questions and answers about buying your New Brooklyn Home Check it out here


If you’re looking for an experienced, energetic, resourceful  Brooklyn real estate agent or just have a few questions, give me Charles D’Alessandro your Brooklyn Realtor® with Fillmore Real Estate a call at (718) 253-9600 ext.206 or email me at [email protected]