Century 21 AA Realty

The Benefits of Homeownership

June 12th, 2018

June is National Homeownership Month, “a time to celebrate and promote the modern American Dream of owning a home,” says National Association of REALTORS® President Elizabeth Mendenhall, a sixth-generation REALTOR® from Columbia, Mo., and CEO of RE/MAX Boone Realty. "Homeownership changes lives and enhances futures, and many Americans see it as one of their greatest hopes. These individuals are counting on the nation's 1.3 million REALTORS® to champion and protect homeownership and help make it more affordable, attainable and sustainable.”

In addition to the obvious benefit of providing shelter, owning a home has a far-reaching ripple effect for owners and their families. Here are just some of the many long-term benefits of homeownership:

  • Owning a home is a secure long-term investment. While markets fluctuate over the short-term, provided you stay in your home for an extended period of time, it will most likely increase in value and yield a substantial return on your investment, making it one of the safest ways to invest your money.
  • You’re building equity. As the experts at discover.com explain, when you subtract the amount you owe on your home loan from the total value of your house, the amount left over is your home equity—the dollar value that actually belongs to you. You build equity by reducing the amount you owe on your loan with each monthly mortgage payment, and also as your home increases in value.
  • You benefit from tax deductions. Even though certain tax deductions were at risk during this year’s tax reform bill, homeowners still benefit come tax time. Talk to your accountant to find out exactly if and how the new tax laws might affect your deductions.
  • Aside from the financial benefits, homeownership has a wide range of positive effects on families. According to reports from the U.S. Department of Housing and Urban Development, the children of homeowners tend to do better in school and are less involved in crime, as homes provide a stable environment for families. 

With credit criteria loosening, and the recent roll-back of lending restrictions imposed by the Dodd-Frank Act, there are many options to pursue homeownership. Talk to your local real estate expert about the best way to get on the path to owning a home.

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2018. All rights reserved.

In the Market for a House? A Quick Guide to Home-Buying This Spring

May 3rd, 2018

By Kara Masterson

Editor's Note: This was originally published on RISMedia's blog, Housecall. See what else is cookin' now at blog.rismedia.com:

It's an exciting milestone in a young person's life to be on the cusp of purchasing a first home. If this is where you are at the moment, you probably have mixed feelings ranging from thrilled to anxious. That's understandable, as this is a big purchase that will change your life forever.
 
To help you, here's a quick guide that'll make you better prepared as you begin your search:
 
Timing Is Everything
The natural first step to buying your first home is to determine if this is really the best time for you do so. While renting might not be a long-term solution, it may be what's best for you given your current situation. You just want to make sure that you are at a place in your life where homeownership is really within reach. If it is, and you feel confident that you are ready, then it's time to proceed.
 
Consider Your Finances
You might fall in love with a certain home, but struggle every month to make the mortgage payment. This is no way to live. You want to end up with a home that is well within your budget. Figure out what you are comfortable with spending and then only look at homes in that range. Do not get talked into buying more home than you can afford.
 
Work With a Real Estate Agent
There is no need to look around for the best home on your own. Real estate agents have a special knowledge of the market. Work with an agency and let them know what you are looking for. They will then compile a list in preparation for scheduling some viewings for you.
 
Shop Around for the Best Deal
Most people looking to sell real estate are willing to negotiate their price a little bit. Keep that in mind. In addition, some homes are over-priced, while others are under-priced, so you obviously want to aim for the latter, while still finding a great property in the location of your choice.
 
If you can follow this short guide, your path to homeownership will be within reach. The key is to take it slow and make sure that you're confident in your final decision. You want a home that you'll be comfortable in for the long term, and one that you can easily afford. Accomplish both of these objectives and you will be set for a happy future.
 
Kara Masterson is a freelance writer from Utah covering Diane Stowe for the real estate industry. She enjoys tennis and spending time with her family.
 
This article is intended for informational purposes only and should not be construed as professional advice. The opinions expressed in this article are those of the author and do not necessarily reflect the position of RISMedia.

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2018. All rights reserved.

Creating Appeal: 8 Home Staging Tips That Work

April 5th, 2018

By Barbara Pronin

First impressions count – and experienced real estate professionals know that a clean, attractively organized home will pique buyer interest and sell more quickly than its neighbors.

“Clients tend to focus not on what the house could potentially become, but on how it looks on their first walk-through,” said Kathy Murphy, a top-performing agent with in Royal Oak, Mich. “If the front door is peeling, or the kitchen is a mess, that’s the way they will remember it.”

Staging a home to show at its best can make a remarkable difference. That’s why most agents work with their sellers to help create maximum appeal. Effective home staging can be accomplished without excessive effort or expense. The work should begin before the listing photos are taken, so that buyers are intrigued when they view the home online.

Listing agents can broaden their staging know-how with these tips from home staging experts:

  1. Start at the street – Curb appeal is more than a catchphrase. Advise your sellers to be sure the lawn is mowed, flowerbeds are neat, bikes and trash cans are stashed away. Paint, replace, or clean the front door as needed, and set off a drab entry area with a potted plant or two.
  2. Freshen the entryway – The second most important impression begins just inside the front door. Lights should be on, the area neat, and a vase of fresh flowers on a foyer table is a nice touch.
  3. Get rid of clutter – Most homes have too much furniture and far too many accessories. Suggest your seller rearrange the furniture to create better traffic flow, and consider putting a quarter of it in storage. Thin out bookcases and closets, because jam-packed spaces give the impression they are too small.
  4. Keep it neutral – Sellers love their collections of figurines or bowling trophies, but buyers need to envision the home filled with the things they love. A savvy seller will keep it simple and consider repainting colorful interior walls in neutral tones.
  5. Clean, clean, clean – Kitchens and bathrooms should be scrubbed and counters kept clear. Wet towels, hair dryers, and dishes in the sink are a no-no. If heavy cleaning is a burden to the seller, suggest an affordable cleaning crew to clean the carpets and make the windows sparkle – even steam-clean a dingy exterior.
  6. Fix what’s broken – A leaky faucet or a wobbly railing may not seem like a big deal, but it makes buyers wonder what else is wrong with the home.
  7. Remember the back yard – Be sure it’s tidy and that the swimming pool, if there is one, is sparkling clean.
  8. On showing days – A pot of potpourri simmering on the stove and a dining table set with attractive tableware are inviting and cost-effective touches.

Barbara Pronin is an award-winning writer based in Orange County, Calif. A former news editor with more than 30 years of experience in journalism and corporate communications, she has specialized in real estate topics for over a decade.

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2018. All rights reserved.

7 Cost-Effective Ways to Reduce Heating Bills

February 27th, 2018

(Family Features)–Many homeowners think big when trying to find effective solutions to skyrocketing heating bills, like replacing the furnace or installing new windows, but there are plenty of smaller projects that can make a difference when it comes to your energy savings this winter.

Consider these tips to keep your home cozy without your energy bill putting a damper on the season:

Take advantage of solar heat.
Installing solar panels is one sure way to capture the sun's energy, but there are other ways to harness that heat. Unobscured windows and skylights can let the rays in, and with them comes some heat. Leave curtains open during the day and trim foliage outdoors to provide a clear path for sunlight. Just be sure windows are well-sealed so you're not offsetting any heat gain with a cool draft.

Install or upgrade your heat pump.
Heat pumps work differently than traditional cooling and heating systems. They recycle heat found in the air and ground, moving thermal energy between indoors and outdoors instead of generating it from scratch by burning fossil fuels. When properly installed, an air-source heat pump can deliver one-and-one-half to three times more heat energy to a home than the electrical energy it consumes, according to the U.S. Department of Energy.

They can save electricity costs by 30-40 percent.
In particularly cold climates, technology is making it possible to reap energy-saving benefits. An option such as the Hyper-Heating Inverter(r) from Mitsubishi Electric Cooling & Heating offers a significant advancement in heat pumps. This technology uses an intelligent compressor system to deliver heat even when outdoor temperatures are as low as -13 F, and a quick-start feature provides warm air instantly.

Move furniture away from vents.
Free air flow is an important component of efficient heating and obstructed vents interrupt that process. Not only can furniture be damaged from the continual air flow of a vent, it can block the circulation patterns that were intended when your home's ductwork was installed. For optimum efficiency, avoid placing furniture on top of vents, and if it's impossible to avoid, close those vents so the airflow is directed elsewhere.

Reverse your ceiling fans.
Your ceiling fans can play an important role in air circulation. Leaving them off will obviously make rooms warmer, but some circulation can be a good thing. Most fans offer a switch that lets you reverse the fan direction, which pushes air upward instead of down. This makes for less of a cooling effect while still moving air for better temperature distribution.

Install a programmable thermostat.
A degree or two may not feel like much of a difference, but it's a change you'll definitely see on your energy bill. Just a small adjustment in your standard thermostat setting can result in reductions of 5 or even 10 percent of your overall bill. Another potential big-impact strategy: adjust temperatures when you're away from home. A programmable thermostat will let you turn temps down when no one is there to benefit from the warmth, then bring them back up shortly before you're scheduled to return home. When you're away unexpectedly or need to adjust your typical schedule, an option like the kumo cloud(r) mobile app offered by Mitsubishi Electric Cooling & Heating allows control of your home's cooling and heating system from your smartphone or other connected device.

Adjust your hot water heater.
Not only can keeping the air comfortable add up, so can heating water for basic household functions. In fact, the U.S. Department of Energy estimates that water heating is the second largest energy expense in most homes. However, you may have your heater set higher than necessary. For every 10-degree drop, you can expect to reduce energy costs by 3-5 percent.

Insulate the attic.
A poorly sealed or insulated attic can be among a home's biggest energy drains. Warm air naturally rises, but rather than recirculating throughout the home, it may be wasted if it's just escaping out of the attic. Sealing cracks and adding insulation can help reduce this loss. Don't overlook the access door, which can allow warm air to escape if it fits poorly or isn't well-sealed.

Source: Mitsubishi

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Reprinted with permission from RISMedia. ©2018. All rights reserved.

How-To Take Control of Your Money in 2018

February 1st, 2018

(Family Features)–Counting calories isn't the only way you can resolve to bring about positive change in your life during the new year. If you're like many Americans, it may be a good time to start counting your way toward better financial health.

The past year brought financial setbacks to nearly two-thirds of United States households, according to a survey by the National Endowment for Financial Education (NEFE). In fact, more than a quarter of U.S. adults say the current quality of their financial lives are worse than they hoped. Topping the list of setbacks in 2017 were transportation issues (23 percent), housing repairs or maintenance (20 percent), and the inability to keep up with debt and falling behind on bill payments (16 percent).

In an effort to reverse that trend, more than two-thirds of U.S. adults will make financial New Year's resolutions for 2018, according to the survey. Among those that plan to step up their financial game, top goals include setting and following a budget (40 percent), making a plan to get out of debt (39 percent), establishing savings (32 percent) and boosting retirement savings (31 percent). 

"We continue to see a lot of anxiety about money," says Ted Beck, president and CEO of NEFE. "Three-quarters of Americans said something causes them financial stress, and it's most often not saving enough and debt that are to blame."

Reduce money stress and take control of your finances with these tips for financial success from the experts at NEFE:
 
1. Get debt under control. Take a hard look at what you owe. If there's a clear warning sign of too much debt, take action. Set a goal to reduce your debt load next year by 5-10 percent. That might mean reducing impulse shopping. When you face temptation, delay the purchase and give yourself time to consider whether it's a wise move that fits within your budget.

2. Save now and do so often. Preparing for unexpected events like medical emergencies can help reduce the financial impact of a life-changing event. Emergency savings can offset unexpected costs and help you get back on solid footing. A good rule of thumb is to have 6-9 months of income set aside. If that feels out of reach, start with a smaller goal, even as little as $500. When it comes to saving, it's also a smart idea to think long term. Review your long-term savings and ensure they are on target for your retirement plans. 

3. Shop for better services. You may be surprised by how much you can save when you periodically shop for the most competitive rates on your recurring bills. Make a game out of shopping providers to find the best value on your insurance policies, cell phone plan, internet and utilities. Ask your providers about current rates and any promotions available to long-time, loyal customers. Then look at alternative providers to determine where you can trim some spending. Be sure to understand your current offering thoroughly so that you are comparing apples to apples. 

4. Understand what's behind your financial decisions. If you ever wonder why you feel good about spending money on vacations but avoid saving for retirement, the answer may lie in your unique values and how they influence your financial decision-making. Consider taking the LifeValues Quiz at smartaboutmoney.org, where you can also find help with setting goals and getting your finances in order.
 
Source: Family Features, National Endowment for Financial Education (NEFE).

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2018. All rights reserved.

Best Financial Investments for Your Home

January 11th, 2018

By Craig Middleton

On popular home improvement shows, people repair or add new features to their homes to add substantial market value in the process. Whether you are looking to increase the value of your home or just make improvements for your own enjoyment, some of the best financial investments you can make for your home include:

Major Problem Fixes
The first high-return investment you should make in your home is to correct any major problems. If your home has serious issues, such as a broken air conditioner or a pipe leak, fixing those issues should be priority No. 1. Repairing or replacing the roof and siding can be a great investment, as potential buyers will generally factor in both the time and cost of having to fix it themselves. Problems like these are always easier to fix when they're small than later, after having put them off.

Exterior Improvements
Replacing garage doors is one of the best improvements for the exterior. If your garage door looks new, your house will look new as well. Painting the outside of your home is another good investment in the exterior. If you don't want to take the time and money to fully repaint your home, pressure-washing can be a quick way to make the outside of your home look much more presentable. Replacing windows is another way to make the outside of your home look better, as well as improve the home's energy efficiency.

Entryway Improvements
Like the garage door, the front door is important in making a good first impression on a potential buyer. Replacing a wooden front door with a steel door can also make your home safer, and increasing the safety of your home can be another great selling point.
 
Update The Interior
Fixes and additions to the inside of your home can be a great financial investment. A fresh coat of paint to the interior can add value by making the home look newer, cleaner and brighter.

Improving your home's bathroom(s), particularly visible elements such as vanities, lighting, countertops, toilets and tubs, can create a high return. You may obtain a better return on investment by making improvements to the main features, instead of completely gutting the bathroom.

Kitchen remodels can be another way to significantly improve the value of your home, by improving functional items such as cabinets, drawers, pantry doors and appliances. Appliances such as refrigerators don't have to be completely new, but they should keep up with current trends.

Adding high-efficiency appliances to a home can modernize it and also save you money on electricity. Some states and cities have tax programs that could reduce your taxes if you buy and use high-efficiency appliances that require less electricity.

Overall, you should research the investment potential of your home before making any purchases. If you are trying to increase the resale value of your home, you need to make sure your fixes or additions will increase the value of the home not only for you, but also to potential buyers.

Adapted from an article on RISMedia's Housecall blog.

This material is meant for general illustration and/or informational purposes only.  Although the information has been gathered from sources believed to be reliable, no representation is made as to its accuracy.  This material is not intended to be construed as legal, tax or investment advice.  You are encouraged to consult your legal, tax or investment professional for specific advice. 

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2018. All rights reserved.

Homeownership Rate Improves for Second Time in 2017

November 14th, 2017

By Suzanne De Vita

The homeownership rate improved to 63.9 percent in the third quarter—the second time it has inched up this year, slightly topping 63.7 percent in the second quarter and 63.5 percent this time last year, according to the U.S. Census Bureau's recent Quarterly Housing Vacancies and Homeownership report. 
 
Another second-time win? The gap between the owner household formation rate and the renter household formation rate widened again. Approximately 87 percent of housing was occupied in the third quarter, with 55.7 percent owner-occupied and 31.4 percent renter-occupied. Owner-occupied and renter-occupied housing accounted for 55.5 percent and 31.6 percent shares, respectively, in the second quarter of this year, and 55.5 percent and 31.8 percent shares, respectively, in the first quarter.  
 
The homeownership rate in the third quarter was again highest in the Midwest, at 69.1 percent, and the South, at 65.5 percent. The rate in the Northeast was 60.4 percent, while the rate in the West was 58.9 percent.
 
Households headed by those aged 65 and older comprised the biggest share of homeowners in the third quarter, 78.9 percent, while households headed by those aged 34 years and younger comprised the smallest, 35.6 percent. Home sales to first-time homebuyers, notably—who are a median 32 years old—dipped this year, according to the recently released National Association of REALTORS® (NAR) 2017 Profile of Home Buyers and Sellers
 
Non-Hispanic White Alone homeowners, as defined by the Census, claimed the highest homeownership rate in the third quarter, as well: 72.5 percent. Asian, Native Hawaiian and Pacific Islander Alone homeowners encompassed the second-highest rate, at 57.1 percent, while Hispanic homeowners held the next-highest, at 46.1 percent. Black Alone homeowners totaled the lowest rate, at 42.0 percent.
 
The homeowner vacancy rate was 1.6 percent in the third quarter, the report revealed, while the renter vacancy rate was 7.5 percent—both largely in line with the second quarter. Homeowner vacancy rates were again highest outside metropolitan statistical areas (MSAs) at 2.0 percent, ahead of in principal cities at 1.6 percent and in suburbs at 1.5 percent. Renter vacancy rates were also highest outside MSAs at 8.5 percent, followed by inside principal cities at 7.9 percent and in suburbs at 6.9 percent.
 
The median asking sales price for vacant for sale housing in the third quarter was $187,300, the report showed. The median asking rent for vacant for rent housing, over the same period, was $912.
 
Source: U.S. Census Bureau 
 
Suzanne De Vita is RISMedia's online news editor. Email her your real estate news ideas at sdevita@rismedia.com.

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Reprinted with permission from RISMedia. ©2017. All rights reserved.

Tips for Prioritizing Your Fall Maintenance Projects

October 4th, 2017

By John Voket

No matter what part of the country your home is in, the coming of fall signals an opportunity to do whatever necessary or voluntary projects need to be done ahead of winter weather, the coming holiday season, and the New Year.

At soundbuilthomes.com, Elizabeth Kraus wonders if you have been putting off re-staining or sealing your deck? Her advice: take advantage of the remaining warm, dry weather to clean and seal or stain your deck before wet weather arrives to do damage.

The same, Kraus says, goes for your home’s window and door trim, gutters and other areas which may have had surfaces exposed, paint or stain eroded, and see to any loose exterior trim pieces, window or door seals, gutters, shingles, siding or roofing.

Kraus says late summer and early fall present the perfect time to have ducts and chimney flues cleaned and vacuumed, before you shut yourself and your family behind closed doors and windows with all of the dust which may have accumulated during the past year. And don't forget to dust off the blades of those ceiling fans, too!

The Virginia Farm Bureau (Vafb.com) says simply walking around the outside of your house is the best way to detect any areas in need of attention.

Got any obvious openings under your porches, or into your crawlspace, or basement? The bureau suggests sealing any places where wild animals might take winter refuge.

The bureau also says this time of year is an ideal opportunity to address this punch list:

– Trim back tree branches and brush that might damage your house during a storm, and remove dead trees near your house that pose a risk to your house during high wind storms

– Check that all outdoor stairs are in good shape and have sturdy railings

– Check your plumbing, testing pressure valves on hot water heaters and move any flammable materials away from furnace, hot water heater, and other heat sources

– Check water hoses on washer, ice maker, and dishwasher for leaks

– Clean lint from the clothes dryer exhaust duct and surrounding area to prevent fires

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2017. All rights reserved.

Storm on the Way? Make Sure Your Power Tools Are Ready to Roll

September 5th, 2017

From chainsaws to generators, outdoor power equipment can be critical to restoring order and safety in the aftermath of a storm. That’s why it’s critical to prepare your equipment now. Here are some steps to take from the Outdoor Power Equipment Institute (OPEI).

  • Make a list of what may need cleaning up. Survey your property. Consider the damage a storm might cause and make a list of what tools might be needed for repairs. You might need a chainsaw, pruner, generator, or utility-type vehicle.
  • Take stock of your outdoor power equipment. Make sure equipment is in good working order. If needed, take your equipment to an authorized service center for maintenance or repair.
  • Find your safety gear. Avoid the scramble for sturdy shoes, safety goggles, hard hats, reflective clothing and work gloves, which should be stored in an accessible area with your equipment.
  • Review the owner's manuals for your equipment. Read product manuals to ensure you know how to operate your equipment safely.
  • Have the right fuel on hand. Fuel stations may be closed after a storm, so it's important to have the proper fuel for your equipment. Store your fuel in an approved container. Use the type of fuel recommended by your equipment manufacturer. It's illegal to use any fuel with more than 10 percent ethanol in outdoor power equipment.
  • Remain calm and use common sense. Clear-headed thinking and smart decision-making can help you make smart choices. This is no time to rush. Take time to think through a strategy for clean-up efforts.
  • Use safety precautions. Be aware of fundamental dangers that can occur. For instance, chainsaw kickback. Always stand with your weight on both feet, and adjust your stance so you're angled away from the blade. Hold the chainsaw with both hands. Never over-reach or cut anything above your shoulder height. Always have a planned retreat path if something falls.
  • Keep firm footing when using pole saws and pole pruners. Keep a firm footing on the ground. Observe the safety zone, which means keeping bystanders and power lines (those above you and any that might have fallen down) at least 50 feet away from your work area.
  • Ensure portable electric generators have plenty of ventilation. Generators should never be used in an enclosed area or placed inside a home or garage, even if the windows or doors are open. Place the generator outside and away from windows, doors and vents that could allow carbon monoxide to come indoors. Keep the generator dry and do not use it in rainy or wet conditions. Before refueling, turn the generator off and let it cool down.
  • Be aware of others. Keep bystanders, children and animals out of your work area. Do not allow other people near outdoor power equipment, such as chainsaws, pole saws or pole pruners when starting the equipment or using it.
  • Pay attention to your health. Storm cleanup can be taxing on the body and the spirit. Do not operate power equipment when you're tired or overly fatigued. Drink plenty of water and take regular breaks. 

If you’d like more homeowner information, please contact me.

Source: Outdoor Power Equipment Institute (OPEI)

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Reprinted with permission from RISMedia. ©2017. All rights reserved.

How to Work With Clients Who Are Using a Power of Attorney

May 2nd, 2017

By Deborah Kearns

Under extenuating circumstances, buyers or sellers may need a Power of Attorney authorizing someone else to act on their behalf in a real estate transaction. It’s critical for agents to understand how to process a transaction when the buyer or seller can’t physically be present to sign documents at or before a closing.

So what exactly is a “Power of Attorney,” or POA? It’s a legal document that grants authority for someone to act as an agent (or “attorney-in-fact”) on behalf of someone else who is incapacitated or unable to be present to sign legal documents (a military deployment or business trip overseas, for example). In a home purchase or sale, an attorney-in-fact under a POA may sign certain transactional paperwork on behalf of the buyer or seller.

When working with clients who intend to use a POA in a transaction, you should have the principal provide a copy of the POA form to the title company immediately for review and approval; it is possible that it could take a few weeks to review the documentation and do the legwork to confirm its validity.

As a closing agent, it is our role to ensure the POA form complies with the title underwriter’s guidelines. Each lender also has its own policies and criteria for using a POA, so it’s important that you provide the POA as early in the process as possible to remedy any issues that might arise and ensure a smooth closing.

Anytime a POA is presented you should ask whether or not the principal is incapacitated. Understanding the reason why a POA is being used will help determine whether additional evidence is needed to evaluate the legal competence of the principal and the necessity for a POA. The principal’s physician will typically provide a signed letter to confirm incapacity, and you’ll need that documentation (dated within six months) for approval of the POA form.

In a majority of cases, the principal should sign deed documents in person if they’re available, rather than having someone else do so. If a seller, for example, is leaving town prior to closing, you should make arrangements for them to sign the deed before they leave. 

Generally, a POA should list the property being sold or mortgaged, and it should be dated within the last six months in order to meet underwriting regulations. You’ll want to look at the POA form to ensure there are no limitations on the power to act, and for any date of termination.

Don’t forget that a POA must be recorded in the appropriate Recorder’s Office. If you have a POA that is expired, or if the scope of the powers does not include the transfer of real estate ownership, call your escrow officer for assistance.
 
Deborah Kearns is an award-winning writer based in Denver with more than a decade of experience in corporate communications and news journalism. She has covered the real estate industry for more than seven years.

This material is not intended to be relied upon as a statement of the law, and is not to be construed as legal, tax or investment advice.  You are encouraged to consult your legal, tax or investment professional for specific advice.  The material is meant for general illustration and/or informational purposes only.  Although the information has been gathered from sources believed to be reliable, no representation is made as to its accuracy. 

Century 21 AA Realty Long Island

Reprinted with permission from RISMedia. ©2017. All rights reserved.


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