The Heroes Agents w/Cris & Alysia: Recent Episodes
Cristino Melendez
Our mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. ⠀ ⠀ ⠀ We will not only featuring industry professionals, but also our local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
We have given back thousands in heroes rewards to first responders and members of our military when buying or selling a home
Today's Topic:
- Mortgage rates post big jump
- Where are home prices heading in 2022
- Foreclosure Tsunami Fears
- Market stats for Bohemia Long Island
And so much more...
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today's Topic: 10 Ways Your House Can Fall Out of Contract (and How to Prevent It)
The one phone call all real estate agents hate to make to their clients the bad news their pending sale has fallen out of contract.
Home buying and selling is an emotional roller coaster. As real estate professionals, we share in your excitement when an offer comes to the table and even more thrilled when the parties agree on the purchase terms.
But, as we know from experience, the work doesn’t stop there. Please remember just because a home is under contract doesn’t mean the sale will close. Anything can happen between opening escrow and actual closing day to cause a property transaction to crash and burn. In our career, we’ve seen all the road bumps.
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today's Topic: MASS Exodus PART 2 - NYC First Responders Heading South in search for lower cost of living! w/Chris Dekanchuk Retired FDNY & Realtor with Keller Williams.
- Why are many NYC first responders relocating south
- Current market conditions in South Carolina
- Pros & Cons of buying a New Construction vs Resale
- How does the home purchasing process differ in South Carolina VS New York
- We unveil the Hero Relo Program that will save you time and money when relocating
And So Much More...
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today's Topic: What to expect in the real estate market in 2022
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today's Topic: MASS Exodus - NYC First Responders Heading South in search for lower cost of living! w/Chris Dekanchuk Retired FDNY & Realtor with Keller Williams.
- Why are many NYC first responders relocating south
- Current market conditions in South Carolina
- Pros & Cons of buying a New Construction vs Resale
- How does the home purchasing process differ in South Carolina VS New York
- We unveil the Hero Relo Program that will save you time and money when relocating
And So Much More...
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today’s topic: Firehouse Kitchen FDNY retired firefighter Ray Cooney & Gerard Kane
Each week Retired FDNY Firefighter Ray Cooney, Host of Firehouse Kitchen visits firehouses across the country, sharing recipes and stories of heroism with local Firefighters. Ray has combined his love and passion for food and his fellow firefighters together in this series taking you into the lives of firefighters, their mastery of culinary arts and heroic lifestyle. Gerard Kane retired FDNY firefighter and Ray Cooney are owner's Smoke Eaters Enterprise.
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today's Topic: Drinking wine with Gerard Kane, retired FDNY firefighter and owner Smoke Eaters Wine.
Talking real estate all the time can be boring, which is why we decided to talk about wine with the best storyteller I've ever known, and owner of Smoke Eaters Wine, Gerard Kane. Cris and Gerard hysterically reminisce about their time working together as firefighters for the FDNY. The wine is the perfect gift this holiday season and can be purchased at your local liquor store. Part of the proceeds go to varies local first-responder charities.
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today’s topic: Chris Decanchuk FDNY of Keller Williams. Second half guest Kevin Long of Teleful, will discuss how you can potentially save hundreds of dollars a year on cable, internet and home security.
- Current situation regarding vaccine mandates for first responders
- Why some retiring first responders have decided to relocate to southern states
- How much bang for your buck can you get by moving to a low tax state
- What is the current property taxes for new construction in a state like South Carolina
- How to save hundreds when shopping for a cable, internet, and security systems for your home
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
On today’ show we’re going to discuss SALT...yes, SALT…No this won’t be a cooking segment! With tax season fast approaching we’ll be discussing Sate and Local Taxes with in studio guest William Gonzalez, President of Federal Tax Services.
Topic Questions:
- How did the SALT Taxes come about?
- How does this affect homeowners here in Long Island?
- Are all State and Local taxes deductible?
- What are the current limits for this?
- How long is the SALT limitation set to go for?
- What are the proposed changes going forward?
- Do SALT Taxes have an impact on Capital Gains when selling your home?
And so much more...
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today’s topic: Beat the bank at their own game! On today's show we discussed a Powerful NEW program that will not only help you pay down your home mortgage, but also save you thousands in interest on other debt such as credit cards, car loans, student loans and so much more. Today's guest, Kelly & Anthony Salvatore, along with Jessica Sirewalt of Optimize Debt Elimination.
Moving from the wrong side of zero and into a positive financial future might feel impossible, but it’s not. With strategies tailored to each user, the Optimize Debt Elimination program can be easily implemented by anyone to do more than they thought possible with their money. It’s an easy-to-use online tool that will give you the full picture of your debt, where it’s most vulnerable and how to reduce it to nothing.
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Are You a First responder, Law enforcement or Military member, looking to buy or sell a home? Contact The Heroes Agents today at 347.730.9087
Today’s topics: Will the end of forbearance lead to a wave of foreclosures? Zillow stops buying homes. Is this a sign of a pending crash? - In Studio guest, Rosemarie Kluefel of Fairway Independent Mortgage Cooperation.
- What is a forbearance?
- Who typically qualifies for a forbearance?
- How many homes went into forbearance during the pandemic?
- Are there any restrictions on homeowners when they’re in forbearance; can they sell, refi?
- Is it dependent on the type of loan you have?
- How does someone come off forbearance?
- How low interest rates help those in forbearance?
- What is the current state of people coming off forbearance?
- What are their options if they still can’t afford to pay the mortgage?
- Will this lead to a housing crash moving forward?
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Looking to buy or sell a home? Contact us today at 347.730.9087
Today’s topic - Importance of a real estate attorney – with Corinne McBride & Associates
- Why is it important to work with a local real estate agent familiar with the area?
- If a buyer makes an offer on a home and it is accepted by the seller, can the seller accept a higher offer?
- What is a mortgage contingency?
- What is escrow money and can buyers get that money back if they no longer want to buy the home?
- Why is it important to conduct an inspection and how do you negotiate repairs?
- What is a title? And what happens if there is a problem with chain of ownership?
- How important is it to have a current CO or certificate of occupancy?
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Looking to buy or sell a home? Contact us today at 347.730.9087
Monday’s show is now archived on Spotify=>> https://bit.ly/2X3ngoj
This past Monday we discussed VA Loans or Veteran Authority Loans with Rosemarie Kluepful of Fairway Independent Mortgage Corporation
Learn about:
- The difference between Conv, FHA, VA
- Advantages of applying for a VA Loan
- Who qualifies for a VA loan?
- The minimum credit score for veteran loans
- How a veteran can compete in a seller’s market
- VA loan closing costs
- VA loans interest rates
- How much can a veteran borrow?
- How veterans can save on principle mortgage insurance
And so much more!
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Today’s show will be dedicated to making you the most informed home seller on the market. We’ll be discussing, window treatments that add value to your home with Michael Guglielmo of Creative Windows located at 347 Lake Ave, St. James, 11780
Learn about:
- The ONLY window treatment that is considered a Capital Improvement
- Most popular and cost effective window treatments
- Consultation process and turnaround
- Which styles are easier to maintain or clean
- Types or warranties
- Discounts for first responders and military/veterans
And so much more!
Shopping for a Mortgage?
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Today’s show will be dedicated to making you the most informed home seller on the market. We’ll be discussing, "What To Know Before Selling Your Home", with Gina Lollo, Broker/Owner Northshore Properties Realty and Tammy Hoey, real estate agent.
Learn about:
- How accurate are Zillow Zestimates
- The difference between a CMA vs Appraisal
- Checking public records for accuracy
- How important is curb appeal in a sellers market
- How to best highlight special features when marketing a home
- Negotiating multiple offer situations
- Qualifying buyers before showing your home
- Five common seller mistakes
And so much more!
Shopping for a Mortgage?
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Today’s show will be dedicated to making you the most informed and competitive home buyer on the market. We’ll be discussing all thing insurance with Jennifer O'Brien of State Farm Insurance
Learn about:
- The importance of understanding your different homeowner coverages
- The insurance process start to finish
- What is covered under your homeowners insurance and what is not
- Liability insurance for personal injuries the occur in your home
- What is an umbrella policy
- The importance of activating homeowners insurance prior to closing on a home
- The average closing cost of homeowners insurance
- How to lower the cost of your insurance policy
And so much more!
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
The real estate market in 2021 has been a wild ride! Buyers have been confronted with low inventory, long lines, and multiple over asking offer which led to lots of bidding wars.
Today’s show will be dedicated to making you the most informed and competitive home buyer on the market. We’ll be discussing all thing mortgages with our sponsor Fairway Independent Mortgage Corporation and special guest Rosemarie Kluepfel.
Learn about:
- The importance of a pre-approval in a sellers market
- The pre-approval process start to finish
- The difference between a pre-approval & pre-qualification
- Lowest credit score to qualify for a mortgage
- What not to do after getting pre-approved or before closing on a home
- The average closing cost
- Mortgage programs for veterans and first responders
And so much more!
Contact Rosemarie Kluefel of Fairway Independent Mortgage Cooperation: https://www.fairwayindependentmc.com/Rosemarie-Kluepfel
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
Cris & Alysia are NYS Lic Realtors with Northshore Properties Realty and your Heroes Agents. Their mission is to make you the most informed home buyer and home seller on the market by giving you weekly up-to-date market analysis for Long Island NY. They will not only be featuring real estate industry professionals, but also local heroes; Law enforcement, first responders, military members, and discuss what they were able to do with their hero rewards after buying or selling their home.⠀
On this episode Cris & Alysia speak with the Broker/Owner of Northshore Properties Realty, Gina Lollo about why she decided to open a boutique style real estate agency and much more. They discuss the upcoming 20th anniversary of 9/11 with special guest Army Sgt. Bobby Henline. A veteran of Desert Storm by age 19, Sgt Henline was inspired to re-enlist in the Army after the attacks on America on September 11, 2001. He deployed to Iraq three times, twice with the 82nd Airborne Division and once with the 3rd Armored Calvary regiment. He spent 13 years in the Army. While on his fourth tour in Iraq, three weeks after his arrival, an IED blast blew up his Humvee.
Sgt. Henline Non-Profit Organization
Show Sponsors:
- Fairway Independent Mortgage Corporation
- Northshore Properties Realty Gina Lollo