Melody "Deal" Leschak

Get your Mortgage and Questions Answered Thursday, February 18th, 2010 2-5PM

2010-01-23T02:00:00Z

Wells Fargo Home Mortgage

Mortgage Day

The Shoppes at Cinnaminson Financial Center

163 Route 130 South,

Cinnaminson, NJ 08077

Thursday, February 18th, 2010

2 PM—5PM

STOP IN…

A DAY TO ASK YOUR MORTGAGE QUESTIONS

KRISTA DONEGAN—WELLS FARGO

RECEIVE A FREE HOME MARKET ANALYSIS and GET YOUR REAL ESTATE QUESTIONS ANSWERED OR START LOOKING FOR A NEW HOME.

FROM MELODY “DEAL” LESCHAK—SHIRLEY ROSSI REALTY

SENIOR DAY—REVERSE MORTGAGES

W PETER BROWN—WELLS FARGO

SNACKS AND GIVEAWAYS!

NO MATTER WHAT STAGE OF HOME OWNERSHIP YOU ARE IN

...WE CAN HELP!!!

Call Melody "Deal" Leschak for more info cell 609-841-0311, office 856-461-1300 ext14 ONLY.

Forclosure, Tax sale, Short Sale, bankruptcy, Help I'm loosing my home.

2008-01-20T18:49:00Z

Talk to Your Realtor when things are bad! Many times consumers think Realtors are only helpful when Buying or Selling a home, but that's not true. From time to time people fall on hardtimes and talking to your Realtor during these times may make you aware of options you haven't thought about.

Many times we get calls from people stating that their home is in foreclosure and they want to know what we can do to help. There are several things that can be done! Speaking to an attorney and a Realtor could be the difference between walking away with some money in your pocket and walking away with nothing. But a game plan must be established before you get to far into the foreclosure.

You are not the only one in this situation, we are seeing more and more people that can no longer afford their ajustable rate mortgage, or the breadwinner of the family has been layed off, or they have been a victim of divorce.

If you have equity in your home don't let the bank have your equity! Many times we can sell your home before it goes to foreclosure, in some cases we are able to negoiate with your mortgage company to sell your home at a reduced price without it being foreclosed on and in many cases without a deficiency judgment being placed against you after settlement. Bankruptcy might be another option that your attorney can help you with. That's why it is good to consult an attorney and a Realtor.

If you are in this situation and would like to see how I can help you please feel free to contact me via cellphone at 609-841-0311. What do you have to loose?

First-time Homebuyer 101

2007-02-07T20:38:00Z

As a First-time Homebuyer the process of searching for a home can be a scary process. It is our job as Realtors to help Buyers through the process so that it can be a learning and happy experience. I believe that one of my jobs as a Realtor is to make the process an understandable one and to get rid of the scariness.

Below are some points that will assist you in knowing where to start:

(1) Find out what you qualify for? This can be done by your local bank or mortgage company. The cost for pre-qualification should be Free. You will be asked questions such as what your profession is, how long you have been doing that type of work, what your earnings for last year were, how much should you be on scale to make this year, whether you have car payments, personal or student loans, credit card payments, child support, or other wage garnishments and any judgements you may know of. Please remember that in many cases child support and other non-traditional income may be used as income to qualify for a mortgage.

The bank or mortgage company will ask for your permission to run your credit report and based on the information you provided them with and the information from your credit report they will tell you how much of a mortgage you can be pre-qualified for. Just because you are pre-qualified for a certain amount, you must decide what monthly payment you are comfortable with.

(2) What do I look for in trying to find the perfect house? When looking for the perfect home, think about what you need for your current family. This includes: number of bedrooms needed, fenced yard if you have a pet, a formal dining room, offstreet parking, proximity to schools, neighborhood amenities such as parks, sports for children, etc. Remember that this may not be your dream home, but it is a start in someday achieving your dream home. Also remember that in most cases you will live at this home between 5-7 years and then move up to something larger.

(3) How do I know which Realtor to choose? A Realtor is a member of the National Association of Realtors that conducts business based on a strict Code of Ethics. Not all real estate agents are Realtors, be sure to ask your agent if they are a member of the NAR.

Do not choose a Realtor based on a property that they have listed for sale. Choose a Realtor based on their knowledge of the area, your ability to communicate with the Realtor, someone that answers your questions, and your comfort level with the Realtor. All Realtors in the State of New Jersey have the ability to show each others listings. Therefore I can show and sell any property that is listed in the State of New Jersey no matter which Realtors has the listing. I also have access to all the homes that are listing in the Multiple Listing System.

I hope this assists you in the start of where to begin your home search look for more postings, or feel free to ask your questions here, or for private service feel free to contact me via e-mail at mdeal@jersey.net, or on my cell at 609-841-0311.

Happy Hunting!