There's a lot of great open houses this weekend but first check out this amazing ranch I just listed this morning.

 1 Hemlock Lane Smithtown, NY 11787

Welcome to this Beautiful Ranch In The Center Of Smithtown. Close To Everything. This home has a wonderful front entry that leads into a fabulous home that has been completely redone 6 years ago. This home features all new siding, roof, windows, fresh paint, security system, faux painted hallway and a brand new burner that was replaced last month. There are 3 beds, 2 fulls baths, and a custom granite kitchen. The 35X20 Deck is Made For Entertaining in your private backyard. 

Call me at 631-759-6256 so we can set up a private showing. 

Open houses for Saturday the 2nd of April


1:30Pm-3:00Pm
$555,000

12:00Pm-2:00Pm
$429,000

1:00Pm-3:00Pm
$485,000

12:00Pm-1:30Pm
$529,000

12:00Pm-1:30Pm
$425,000

2:30Pm-4:00Pm
$479,000

12:00Pm-2:00Pm
$550,000

1:00Pm-3:00Pm
$139,000

2:00Pm-4:00Pm
$429,000

11:00Am-2:00Pm
$229,000

1:00Pm-3:00Pm
$450,000

2:00Pm-4:00Pm
$739,000

2:00Pm-4:00Pm
$749,000

1:30Pm-4:00Pm
$479,000

1:00Pm-4:00Pm
$469,900

1:00Pm-3:00Pm
$665,000

2:00Pm-4:00Pm
$739,000

12:00Pm-3:00Pm
$499,900

1:00Pm-3:00Pm
$449,999

12:00Pm-2:00Pm
$479,000

11:00Am-2:00Pm
$149,000

12:00Pm-2:00Pm
$599,000

12:00Pm-2:00Pm
$479,000

12:00Pm-2:00Pm
$557,900

12:00Pm-2:00Pm
$389,000

12:00Pm-2:00Pm
$559,990

12:00Pm-1:30Pm
$560,000

11:30Am-1:00Pm
$659,000

12:00Pm-2:00Pm
$649,900

12:00Pm-2:00Pm
$439,000

1:00Pm-3:00Pm
$479,900

1:00Pm-3:00Pm
$589,000

12:00Pm-2:00Pm
$529,000

2:00Pm-4:00Pm
$459,990

1:00Pm-3:00Pm
$424,999

2:30Pm-4:30Pm
$449,000

12:00Pm-2:00Pm
$399,995

12:00Pm-2:00Pm
$1,194,990

1:00Pm-3:00Pm
$749,000

12:00Pm-2:00Pm
$1,194,990

2:30Pm-4:30Pm
$429,000

2:30Pm-4:30Pm
$459,000

1:30Pm-3:30Pm
$539,000

1:00Pm-3:00Pm
$847,000

1:30Pm-3:00Pm
$599,000

Open Houses for Sunday the 3rd of April


11:30Am-12:30Pm
$339,900

1:00Pm-2:00Pm
$999,900

12:00Pm-1:30Pm
$719,000

2:30Pm-4:00Pm
$749,000

1:00Pm-3:00Pm
$459,000

12:00Pm-2:00Pm
$445,000

1:00Pm-3:00Pm
$575,000

1:00Pm-3:00Pm
$379,000

1:00Pm-3:00Pm
$479,000

1:00Pm-3:00Pm
$749,000

1:00Pm-3:00Pm
$445,000

1:00Pm-3:00Pm
$615,000

2:00Pm-4:00Pm
$469,000

12:00Pm-2:00Pm
$550,000

12:30Pm-2:00Pm
$399,990

1:30Pm-3:00Pm
$349,990

2:00Pm-3:30Pm
$569,000

12:00Pm-1:30Pm
$459,000

12:00Pm-2:00Pm
$539,000

1:00Pm-3:00Pm
$649,900

12:00Pm-2:00Pm
$379,900

1:00Pm-3:00Pm
$649,900

1:00Pm-3:00Pm
$649,900

12:00Pm-1:30Pm
$499,000

12:00Pm-2:00Pm
$559,000

12:00Pm-2:00Pm
$499,000

1:30Pm-4:00Pm
$429,000

12:30Pm-2:30Pm
$649,000

1:30Pm-4:00Pm
$479,000

12:00Pm-2:00Pm
$349,000

1:00Pm-3:00Pm
$519,000

12:00Pm-2:00Pm
$439,000

1:30Pm-3:30Pm
$685,000

11:00Am-1:30Pm
$525,000

1:30Pm-3:00Pm
$449,000

12:30Pm-2:00Pm
$389,000

11:00Am-1:00Pm
$449,900

1:00Pm-3:00Pm
$319,000

12:30Pm-2:30Pm
$465,000

2:00Pm-4:00Pm
$889,000

1:00Pm-3:00Pm
$389,996

1:00Pm-3:00Pm
$699,876

2:00Pm-4:00Pm
$889,000

12:00Pm-2:00Pm
$479,000

11:30Am-1:30Pm
$659,000

12:00Pm-2:00Pm
$899,000

2:00Pm-4:00Pm
$535,000

1:00Pm-3:00Pm
$479,900

12:00Pm-2:00Pm
$649,900

12:00Pm-2:00Pm
$649,998

1:00Pm-3:00Pm
$364,500

3:00Pm-5:00Pm
$359,000

1:00Pm-3:00Pm
$589,000

1:00Pm-3:00Pm
$559,000

12:30Pm-2:30Pm
$429,900

1:00Pm-3:00Pm
$424,999

1:00Pm-3:00Pm
$1,200,000

1:00Pm-3:00Pm
$699,000

1:00Pm-3:00Pm
$532,990

1:00Pm-3:00Pm
$629,988

1:00Pm-3:00Pm
$549,000

1:00Pm-3:00Pm
$549,000

1:00Pm-4:00Pm
$339,000

1:00Pm-3:00Pm
$725,000

Here is a quick credit tip from one of my loan officers.

Have you ever wanted to know what the real difference is between a Collection and Charge Off on a credit report?

Let’s take a look out how accounts can be classified on a credit report. They either show as an "R" for "revolving", "I" for "installment" and "O" for "other". A collection is neither a revolving or an installment account leaving the only choice left as "Other." Balances are irrelevant on an "Other" account, so whether you owe $0 or 10K your score will not change. Rather, the weight of the account is based on the DLA (Date of Last Activity), the newer the date the more it weighs, which is why paying off your collections will usually lower your scores as it will renew your DLA.

Charge Offs on the other hand, are more likely (maybe 80% chance) to report as a revolving account. This changes the game because not only do the same rules of DLA apply, but now the balance also has an impact. Whenever you are maxed out on any revolving account good or bad it causes tremendous score reduction consequences. The mathematical dilemma then becomes what is worse, having a maxed out charge off or settling on it only to renew your DLA? This is why you have me to help your clients evaluate their credit!

In above scenario, I would use a credit simulator allowing me to manipulate the balances on the credit report to issue me a “what if score”. This simulator is a great resource to maximize the opportunity of obtaining the highest credit score.


Have an awesome weekend