Long Island, Smithtown and Stony Brook real estate and homes for sale in New York, waterfront properties and luxury homes - Frank Zamarelli, REALTOR® Frank Zamarelli REALTOR(r) for Long Island, Smithtown and Stony Brook , New York real estate, waterfront properties and luxury homes - NUMBER1EXPERT™ Frank Zamarelli NUMBER1EXPERT(tm) for Long Island, Smithtown and Stony Brook , New York real estate, waterfront properties and luxury homes
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Frank Zamarelli, REALTORŪ, real estate agent and broker for Long Island, Smithtown and Stony Brook New York home listings, property and land for sale - NUMBER1EXPERT(tm)





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Don't Forget To Request A Quick Status Report On Any Homes Or Properties That Interest You!
 

It can take days, weeks, or longer for changes to appear on web sites. Don't waste your time with less than current information. Request my free Status Report and find out if the homes you are interested in are still on the market, under contract, in escrow, or if the price has been reduced. 

The Status Report that you'll receive by email will also include other important information that has been left out or that is available to me through my professional resources, such as how long the property has been on the market, when it was last sold, what it sold for, and more. 

When you click on any link above, you'll see your chosen site, along with a form at the bottom of your screen. Use this form to request my quick Status Report on any homes or other real estate that interests you. It's free and without obligation. 

Remember: As a top Long Island, Smithtown and Stony Brook area Realtor, it's my job to know more about a property than any web site. Make sure you have the most current information! 

 



Real Estate Tips
Financing Your Home >Owner Financing

If you are selling a house in which you have a lot of equity, and you don't need that equity to buy a new home, an owner-financing agreement may benefit you and your buyers.

Seller financing arrangements usually involve the buyers securing the largest portion of their purchase money from a mortgage company and getting a smaller second loan from the sellers. For example, they may finance 75% from a lender, put in 15% from savings, and ask the sellers to finance the remaining amount. The terms and interest rates on seller carry-backs are negotiated on a case-by-case basis.

Sellers may be able to negotiate a note that provides a better return on their money than 1-to-5 year CD's or treasury notes. They should ensure that the note protects them to the fullest. Use common sense when considering such a loan, and verify the buyers' income, credit history, and job stability before making your final decision.

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Real Estate Trivia
Q 
Who is the world's richest living person?

A 
William H. Gates, III, Chairman of Microsoft Corporation, whose wealth was estimated at $46.6 billion in 2004.
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Frank Zamarelli, REALTORŪ, real estate agent and broker for Long Island, Smithtown and Stony Brook New York home listings, property and land for sale - NUMBER1EXPERT(tm)

Frank Zamarelli
Century-21 North End Realty

960 Jericho Turnpike
St. James, NY 11780
Cell: 516-972-8115
Home office: 631-689-3656
Fax: 631-724-5866
Email: fzamarelli@yahoo.com
Email: zfrankjzamarelli@aol.com

Frank Zamarelli is a dedicated Real Estate Professional with many years of experience. Frank is a CBR (certified buyers broker), GRI (graduate of the real estate institute), a PRRA (professional real estate appraiser),a, RECS member, a SRES and a e-Pro. Frank also specializes in waterfront properties, new construction, horse properties, luxury homes, foreclosures, and historical homes. Frank is available 7 days of the week so don't hesitate to contact him today!

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