Juliadagistanli's Blog

I’ve posted a new listing!

December 5, 2013 by juliadagistanli

I’ve posted a new listing!.

I am back to ERA Justin Realty!

August 10, 2013 by juliadagistanli

My new office located at

118 Jackson ave.
Rutherford, NJ 07070
201-939-7500 x201
201-679-5025 mobile

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Real Estate Advisor: December

December 10, 2010 by juliadagistanli

Making the Most Out of Small Bathrooms

It doesn’t take a full remodel or removing walls to open up space in an otherwise small bathroom. Below are some cost-effective methods for making tiny bathrooms feel less closed in.

Pedestal Sinks

Pedestal sinks are not only stylish – they also eliminate the boxy, space-eating traditional vanities that can close off small bathrooms. Switching from a traditional vanity to a pedestal sink will reduce some storage space in the room, so you may want to install small shelving above the sink or additional towel racks/hooks in the room.

Minimalist Storage

When space is at a premium, you may not have room for a large storage unit or vanity. Keep only what you absolutely need in the bathroom, ideally in a slim vertical storage unit or on built-in shelving. Store non-essentials like extra towels, bathroom cleaning products and other supplies in the nearest closet.

Light Colors

Larger bathrooms allow you some design freedom to play around with darker colored wall and trim paint, accessories, and major fixtures. In small bathrooms, those dramatic touches can actually make things seem more cramped. Stick with classic white tubs, sinks and toilets and brighter splashes of color on shower curtains, rugs and towels to lighten up the space you have.

Simplify Fixtures

Ornate fixtures can be appealing, but many are bulkier than their simpler counterparts. When space is at a premium, you may opt for sleeker, slimmer fixtures throughout the room.

Pocket Doors

The door swing of traditional hinged doors can make small rooms feel even more cramped. Sliding pocket doors can open up additional space without drastically changing the room itself.

Illuminate

Small spaces without proper lighting will have a drastically more claustrophobic atmosphere. Try combining wall fixtures with overhead lights to improve the aesthetic while providing illumination for applying makeup or shaving. For bathrooms on exterior walls, consider adding a window to let in natural light.

Top Winter Selling Tips

Keep it Cozy: You may be energy conscious during most winter days, but when potential buyers are on the way, you will want to turn the thermostat up a few degrees in advance. You want your home to be comfortable for a wide range of visitors.
Time the Light: Having indoor and outdoor lights on timers is not only smart from a security standpoint, but it can also make your home look warm and inviting to buyers passing by when you’re not at home. Make sure there is enough outdoor lighting to properly show off your home during the darker winter months.
Wash all windows: You’re already battling a lack of natural light, so make sure your home takes full advantage of what light there is! Thoroughly clean windows both inside and out to ensure that as much natural light as possible can stream in.
Decor: While you may want to avoid heavy use of holiday-specific decorations, you can still decorate to the season to add a festive atmosphere to your home. Utilize the rich reds and blues popular in winter, and consider hanging basic winter wreaths or adding winter centerpieces to tables and countertops.

Text

RE/MAX Metropolitan Home Professionals

Julia Gulden Dagistanli

Address
RE/MAX Metropolitan Home Professionals
54 Ames Avenue
Rutherford NJ 07012

Phone Number

Mobile: (201) 679 5025

Office Phone: (201) 728 9400 ext 201

Email Address
juliadagistanli@comcast.net

Web Site
www.jdagistanli.remax-nj.com

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Real Estate Advisor: November

November 8, 2010 by juliadagistanli

Criteria to Obtain the Best Mortgage Rates

No doubt you’re aware that mortgage rates have been low throughout the year. You’ve also probably heard that this fall has seen interest rates dip to record lows for the modern era. But you may have also heard that some buyers or refinancing homeowners are having difficulty obtaining loans at the lowest advertised rates. The loan application process is much more rigorous than in years past and the processing time for loan applications has grown.

How can you know whether or not you realistically qualify for the great rates being advertised? Remember that lenders are all about assessing risk – they are looking for applicants with a very low risk of defaulting on their loan. There are five key factors that a mortgage broker will look at when determining the rate you will pay on the loan:

Down Payment

Mortgages can still be obtained with low money down, but having a 20 percent down payment is the best bet if you hope to obtain the best interest rates. If you can afford to make a down payment in excess of 20 percent on the house, you will be in an even better position to take advantage of the lowest mortgage rates.

Assets

Lenders these days are going to be very exacting when reviewing your financial records. They will want to verify that you have the necessary cash to cover the down payment and closing costs. Banks will also want to make sure you have some amount of cash buffer as an insurance policy of sorts. All of this will need to be proven with extensive documentation, and many lenders will want to review several months’ worth of your account statements. Lenders will also ask for copies of recent tax returns.

Credit Score

It’s no secret that the strength of your credit score greatly affects the type of loan you will qualify for. The magic number to aim for is a FICO score of 700 or better. Clearing the 700 benchmark will qualify you for the best mortgage rates, while a score even just a few points below 700 can cost you as much of a quarter of a point in interest, which equates to thousands of dollars over the life of the loan.

Job Security

Not surprisingly, lenders will want to make sure that your career situation is stable enough that you will be able to continue to make the loan payments on into the future. Banks will want to see documentation to indicate how long you have been with your current employer. Ideally, you will have two years or more employed by the same company.

Loan Type & Loan Length

Adjustable mortgages have lower initial rates overall than fixed-rate loans. FHA loans will typically have a higher interest rate, as will jumbo loans (mortgages taken out on higher-priced homes). As a rule of thumb, fixed rate loans will have higher interest rates as the length of the loan increases, so a 10 year fixed rate loan will have a lower rate than a 15 year mortgage, which will in turn be lower than a 30-year fixed loan. And all mortgage rates vary from state to state and even from city to city, so the rates you see advertised nationally may not be relevant to your search for the right loan.

Inexpensive Home Updates

Curb Appeal

Regardless of whether or not you’re planning on selling in the short term, improving your home’s outer appearance will improve both the value and charm of your home. Re-painting the front door and trim will give the front of the house the feel of a newer home. A little minor landscaping work (trimming shrubs, cutting the lawn, replacing sod) over a long weekend can dramatically change your home’s look. Add some potted flowers on the front steps or entryway. Consider investing in new doorknobs, house numbers and a mailbox as well.

Light Fixtures

If you have older lighting fixtures that date the look of your home, consider replacing them with new, more appealing hardware. While you can certainly spend a lot of money on high-end fixtures, cheaper alternatives are available in a number of styles. Brushed nickel and stainless steel fixtures are especially possible. If replacing all of the fixtures in your house isn’t realistic from a financial standpoint, selectively change out fixtures in key areas such as bathrooms, bedrooms and exterior lighting.

Wash Exterior

You don’t have to re-paint the exterior of your home to achieve a facelift. Washing the exterior siding will breathe new life into the house’s appearance. Pressure washing sidewalks and driveways will clear away years of dirt, grime and dust. Avoid the temptation to use a pressure washer on the home itself, as it can easily peel off exterior paint.

Re-Caulk Plumbing Fixtures

Discolored, torn or crumbling caulking around plumbing fixtures can make your home look old and out of repair. By stripping out old caulking and replacing it with a fresh bead of silicon, your bathrooms and kitchen will look subtly revitalized. You can now purchase caulking in a variety of grades and colors, allowing you to match your décor.