Debbi Jacob, Associate Broker with Nothnagle Realtors, has been named Top Individual Agent for 2010 at Nothnagle’s Annual Meeting and Awards, held January 28th, 2011. The volume of Debbi’s real estate sales for the year amounted to fifteen million dollars.
Debbi has more than 28 years of sales experience and obtained her real estate license in June 2006. A short five years in the real estate business, with the first year part time, she has built up a following of solid referrals from her clients. Debbi previously won Nothnagle’s “Rookie of the Year” award and in 2008 was named by Real Estate Magazine’s (an RIS Media publication) one of the nation’s “Top 50 Realtors on the Rise.” In addition, she has achieved numerous sales awards including Gold Club, Top 30 and Sales Master Platinum. At this year’s awards event, she was also presented with the Nothnagle Platinum Sales award, the highest sales award level at the Company.
Robert J. Maves, Senior Sales Manager of Nothnagle Realtor’s Pittsford branch, stated, “Debbi has an engaging personality and great ability to listen to the needs of her clients. She consistently exceeds their expectations. Always positive and willing to go the extra mile for her clients whether it’s helping to stage a home, cleaning out a basement or de-cluttering a room, she never lets them down. She has risen to the top of her profession and is a role model for our industry. Debbi is always gracious and always finding time for clients, family, friends, colleagues and now her two grandchildren.”
Armand D’Alfonso, President and CEO of Nothnagle Realtors stated, “Combined with her positive attitude and determination, I knew Debbi would be very successful in this business. We are thrilled to have Debbi as part of our Nothnagle family of agents and couldn’t be happier for her ongoing success.”
Debbi is married with three grown children and two grandchildren. In addition to selling real estate, Debbi enjoys skiing, boating, antiques, gardening and is an active volunteer with Breast Cancer awareness.
Debbi can be reached at the Pittsford branch of Nothnagle Realtors at 585-389-4019.
Monday, January 31, 2011
Saturday, January 29, 2011
Rochester's #1 Real Estate Company Congratulates The Glenn Advantage Team, Marcia Glenn and Christie Nesello, Nothnagle's #1 Sales Team
Nothnagle REALTORS® held its annual awards event on January 28, 2011, at the Doubletree Hotel. The Glenn Advantage Team was recognized as the company’s Top Sales Team based on 2010 sales. This is the third consecutive year that The Glenn Advantage Team, Marcia Glenn, Associate Broker and Christie Nasello, Salesperson, has achieved the #1 ranking at the company. The Glenn Advantage Team has placed within the “Top 30” from 1994 to 2009. This year Nothnagle replaced the “Top 30” with the Platinum Sales Award. In addition to The Glenn Advantage Team achieving the Platinum Award, Marcia Glenn was named to Nothnagle’s newly formed Platinum “Circle of Excellence” award category. This elite group of agents were honored by the company for their significant achievements over the course of their careers.
Marcia Glenn (licensed since 1992) and Christie Nasello (licensed since 2004), became business partners in 2005. They are innovative, efficient and work proficiently as both seller and buyer agents. Their hard work and dedication has placed them in the top 1% of all REALTORS® in Rochester, Monroe and surrounding counties. The Glenn Advantage Team achieved over $30 Million in sales in 2010, this was an increase of over 31% in sales volume and an 18% increase in the number of transactions. These numbers go against the market trend, statistics released last week by The Greater Rochester Association of REALTORS® indicated overall sales for the market were down 5% in 2010 compared to 2009.
“Not only did The Glenn Advantage Team achieve the top ranking in the company for the third consecutive year, but they continue to be growing at an exponential rate. Even in an up market, to increase sales by 31% is exceptional; to achieve it in a down market is practically unheard of. This is a testament to the team’s hard work and dedication to their clients. Marcia, Christie and their team consistently deliver an exceptional real estate experience that exceeds expectations time and time again. The proof is in the numbers,” said Armand D’Alfonso, President and CEO of Nothnagle Realtors.
Marcia credited Nothnagle REALTORS® for contributing to their success saying, “We are proud to be affiliated with this outstanding company. Their commitment to providing agents with support and innovative ways to serve our clients is unsurpassed in the real estate industry.” Marcia went on to say, “Achieving the top position within the company is never able to be accomplished alone. The combination of the business partnership between myself and Christie Nasello coupled with the collective and collaborative effort of each member of the Glenn Advantage Team, along with the support of each department within Nothnagle, all agents within Nothnagle and the Company’s management team is what drives our success.”
The Greater Rochester area has been both Marcia and Christie’s home from birth to present and they have chosen to raise their families here, believing strongly in the strength of our community and all that it has to offer. As the housing market continues to face new challenges in 2011 it is especially important for sellers and buyers to choose a REALTOR® with a proven track record of success. Focusing on excellent customer service has inspired Marcia and Christie to build an effective combination of results oriented professionals, the highest ethical standards and superior technology - all working to provide their clients with the best real estate experience possible.
Thursday, January 27, 2011
Secrets to a Better Credit Score
As you prepare to apply for a mortgage understand that you should have your best possible credit profile BEFORE applying. Working to improve your score during the mortgage process can be done, but there are two problems. One, time to clear up items can become an obstacle when compared the time you are anticipating a closing. And two, lower scores upfront can give an underwriter an additional reason to be uncomfortable with a file. Take care of looking into your credit scaore sooner than later. Here are some tested ways to do it:
Credit Cards – Revolving Debt proportions
Look on the credit report for revolving debt (not installment loans, or “open” accounts). As a general rule of thumb, the balance should be no more than 30% of the credit limit. So, if it’s more than that, have you should make every attempt to pay it down.
If there are many revolving accounts with high balances, you will most probably need to pay down most or all of them for the best score.
If there is nothing derogatory on the credit report, just high balances on revolving debt, you can often improve the score significantly. But, if there are many derogatory items on the credit report, paying down revolving debt may not help the score very much.
Many lenders have software programs that can quickly determine which (if any) revolving accounts need to be paid down, and to what balance.
Collections/Judgments:
Paying off or satisfying such a derogatory account does not normally improve the score because the derogatory account still exists, and so still hurts the score. In fact, paying off an old collection may even make the score drop.
However, for collections, the borrower can ask for the account to be completely removed or deleted. If you have not yet paid the collection, you can use that as a bargaining chip.
If there are many collection accounts, removing just 1 or 2 may not do much good. Always look at the overall picture.
Your lender likely has a What-if Simulator to experimentally see what affect removing an account has on the score.
Late Dates
When you look at the overall credit report and you see a lot of late dates, especially ones from within the last year, there is not much you can do to help the score, they just need to drift into the past.
However, if you just see one recent late date on one account, and just one other recent late date on another account, you should call those creditors and ask for those single late dates to be removed as a courtesy. It may also be that the late dates were a mistake, but don't assume that. Just ask them to remove it as a courtesy since you have an otherwise perfect payment history.
Piggybacking on someone else’s account can help or hurt your score.
If that account has recent late dates, you can most probably improve the score by having the actual account holder remove you as a user.
If the account is a revolving credit card and it is maxed out, you might also improve the score by removing it, but only if you will still have other revolving credit cards on your report.
What about adding someone as an authorized user to a credit card? This may help, but the better course of action is to get the actual card holder to make it a joint account with you. This guarantees that the account will show up on the credit report within a month or two. But be careful…the account should have a lot of history, no late dates, high credit limit, and low balance.
Other Things to Help
Keep old revolving credit cards open, even if you haven't used them in a long time.
Regularly check your credit report to catch errors early. You get a free one each year from each bureau. Don’t do all 3 bureaus at the same time, space it out throughout the year.
This advice may have answered many of your questions, however, it may not have touched on your particular situation, which is why you should contact a Loan Officer as soon as possible to get your questions answered.
Credit Cards – Revolving Debt proportions
Look on the credit report for revolving debt (not installment loans, or “open” accounts). As a general rule of thumb, the balance should be no more than 30% of the credit limit. So, if it’s more than that, have you should make every attempt to pay it down.
If there are many revolving accounts with high balances, you will most probably need to pay down most or all of them for the best score.
If there is nothing derogatory on the credit report, just high balances on revolving debt, you can often improve the score significantly. But, if there are many derogatory items on the credit report, paying down revolving debt may not help the score very much.
Many lenders have software programs that can quickly determine which (if any) revolving accounts need to be paid down, and to what balance.
Collections/Judgments:
Paying off or satisfying such a derogatory account does not normally improve the score because the derogatory account still exists, and so still hurts the score. In fact, paying off an old collection may even make the score drop.
However, for collections, the borrower can ask for the account to be completely removed or deleted. If you have not yet paid the collection, you can use that as a bargaining chip.
If there are many collection accounts, removing just 1 or 2 may not do much good. Always look at the overall picture.
Your lender likely has a What-if Simulator to experimentally see what affect removing an account has on the score.
Late Dates
When you look at the overall credit report and you see a lot of late dates, especially ones from within the last year, there is not much you can do to help the score, they just need to drift into the past.
However, if you just see one recent late date on one account, and just one other recent late date on another account, you should call those creditors and ask for those single late dates to be removed as a courtesy. It may also be that the late dates were a mistake, but don't assume that. Just ask them to remove it as a courtesy since you have an otherwise perfect payment history.
Piggybacking on someone else’s account can help or hurt your score.
If that account has recent late dates, you can most probably improve the score by having the actual account holder remove you as a user.
If the account is a revolving credit card and it is maxed out, you might also improve the score by removing it, but only if you will still have other revolving credit cards on your report.
What about adding someone as an authorized user to a credit card? This may help, but the better course of action is to get the actual card holder to make it a joint account with you. This guarantees that the account will show up on the credit report within a month or two. But be careful…the account should have a lot of history, no late dates, high credit limit, and low balance.
Other Things to Help
Keep old revolving credit cards open, even if you haven't used them in a long time.
Regularly check your credit report to catch errors early. You get a free one each year from each bureau. Don’t do all 3 bureaus at the same time, space it out throughout the year.
This advice may have answered many of your questions, however, it may not have touched on your particular situation, which is why you should contact a Loan Officer as soon as possible to get your questions answered.
Tuesday, January 25, 2011
Nothnagle's Relocation Department has Outstanding Performance.
Just last year, SIRVA Relocation honored Nothnagle with the 2009 “Excellence in Performance” award; given to one real estate company each year. Now, for the second year in a row, Nothnagle receives recognition from the company. Earlier this month, Nothnagle was praised for their “outstanding performance and quality” by SIRVA Relocation.
In a study that evaluated broker’s performance, customer satisfaction, financial outlook, and continuous improvement, Nothnagle Realtors received an ‘A’ rating and earned 98.8 out of 100 possible points. This score gives Nothnagle a #1 ranking out of all of the 159 preferred brokers nationally, and makes Nothnagle eligible to be named SIRVA Relocation’s “2010 Broker of the Year.”
Whether you are moving a corporation or a family, coming to Rochester or moving from Rochester; whatever the reason you can count on Nothnagle Realtors for a seamless transition. Our in-house relocation department can move you from anywhere to anywhere – across the state, across the country, even around the globe! Our Move Managers can access information on over 10,000 communities worldwide and help you pinpoint your exact preferences. An agent is then carefully handpicked for you to ensure you receive the same quality service you’ve come to know and expect from your local Nothnagle agent.
In a study that evaluated broker’s performance, customer satisfaction, financial outlook, and continuous improvement, Nothnagle Realtors received an ‘A’ rating and earned 98.8 out of 100 possible points. This score gives Nothnagle a #1 ranking out of all of the 159 preferred brokers nationally, and makes Nothnagle eligible to be named SIRVA Relocation’s “2010 Broker of the Year.”
Whether you are moving a corporation or a family, coming to Rochester or moving from Rochester; whatever the reason you can count on Nothnagle Realtors for a seamless transition. Our in-house relocation department can move you from anywhere to anywhere – across the state, across the country, even around the globe! Our Move Managers can access information on over 10,000 communities worldwide and help you pinpoint your exact preferences. An agent is then carefully handpicked for you to ensure you receive the same quality service you’ve come to know and expect from your local Nothnagle agent.
Sunday, January 23, 2011
67% of Americans Think NOW is the Time to Buy!
Two major points have been emphasized within the last few months. First, if you are selling a house, you must sell now and if you are buying one, you most also buy now. This may sound impulsive, but it is true. PRICE is the most important thing to a seller. With prices projected to fall through the first half of 2011, if you want to sell, do it now. The alternative might be to wait over a year just for prices to recover to current values.
The second point revolves around the fact that buyers are more concerned with COST (price and interest rate). Fannie Mae, the National Association of Realtors, the Mortgage Bankers Association and the PMI Company are all projecting interest rates to rise this year. If you want to buy, your best time to purchase could be right now.
To support the second point, a new survey says that the majority of Americans agree. Gallup just released a poll showing that 67% of Americans think this is a good time to purchase a home. The interesting thing is that the same poll showed that more people believed that prices would decrease (27%) than increase (21%). Most people realize that this is an opportune time to purchase even if prices continue to soften.
Here is what Gallup said on the subject:
Overall, there is good reason for most Americans to think now is a good time to buy a house. Interest rates remain near historic lows. Home prices are down sharply, providing many incredible buys.
There may be people advising you to use caution before buying a home right now. That is probably good advice. However, there is a difference between caution and fear. Fear could prevent you from making a good decision. Caution will make sure you make the right decision. And remember: if you do think it makes sense to buy your home today, 2 out of 3 people agree with you.
The second point revolves around the fact that buyers are more concerned with COST (price and interest rate). Fannie Mae, the National Association of Realtors, the Mortgage Bankers Association and the PMI Company are all projecting interest rates to rise this year. If you want to buy, your best time to purchase could be right now.
To support the second point, a new survey says that the majority of Americans agree. Gallup just released a poll showing that 67% of Americans think this is a good time to purchase a home. The interesting thing is that the same poll showed that more people believed that prices would decrease (27%) than increase (21%). Most people realize that this is an opportune time to purchase even if prices continue to soften.
Here is what Gallup said on the subject:
Overall, there is good reason for most Americans to think now is a good time to buy a house. Interest rates remain near historic lows. Home prices are down sharply, providing many incredible buys.
There may be people advising you to use caution before buying a home right now. That is probably good advice. However, there is a difference between caution and fear. Fear could prevent you from making a good decision. Caution will make sure you make the right decision. And remember: if you do think it makes sense to buy your home today, 2 out of 3 people agree with you.
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