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Mark Rienzie has been engaged full time in Real Estate sales for the past twenty-six years. Services include Nassau County, Long Island, New York. He has received numerous awards and much praise from buyers and sellers for his knowledge, experience and ability to manage the entire sales process.
Listing, Selling and Marketing homes for sale is both challenging and rewarding. Mark aggressively uses his management skills to close the the home for sale. He utilizes highly sophisticated technology and techniques as well as a gentle warm touch.
Mark has a reputation of integrity, sensitivity and devotion to the people he servers. His first concern is the well being of his client. He understands customers needs and being an expert negotiator, he will get the job done. Customers appreciate Mark's sense of humor and how he makes the process of selling and buying as easy as possible.
We urge you to call Mark Rienzie and allow him to put his qualities to work for you. Mark loves nothing more then a satisfied customer's.
Mark R. Rienzie
Licensed Real Estate Salesperson
Trulia Real Estate Search for Homes
Call Remarkable Mark Today for All Your Real Estate Needs** (516)313-3112.**
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Mark R Rienzie Licensed Real Estate Salesperson
Member of The National Association of Realtors
Member of New York State Association of Realtors
Member of The Long Island Board of Realtors
Century 21 Relocation Training 1986
Century 21 Success Academy 1988
Real Estate Brokers Course 1991
A Practical Approach to Real Estate Law 1995
Buyer Agency 1995
Landlord/Tenants Rights and Responsibilities 1999
Understanding The Home Inspection Process 1999
All About Commercial Real Estate 2001
Risk Management in The Real Estate Office 2001
Listing and Marketing Skills 2001
Unseen Problems To Avoid in Real Estate Transactions 2003
Mortgage Finance and Underwriting 2003
Basics of Property Management 2003
Methods of Residential Financing 2005
Pricing Property To Sell 2005
New York License Laws and Contracts 2005
Fair Housing 2007
Multiple Offers 2007
Pricing to Appraisal 2007
Tax Favorable Real Estate Transactions 2007
From Stunning to Stigmatized 2007
Member Long Island Board of Realtors Appraisal Division 2007
Fair Housing 2011
Home Inspection 2011
Fraud and Real Estate 2011
Title Insurance 2011
Mortgage Rate Determinants 2011
Pricing in a Changing Market 2013
The NAR Code of Ethics 2013
Pricing and the New Appraisals 2013
Residential Architecture Styles 2013
Multiple Offers 2013
Recreational Properties 2015
Property Management 2015
Buyer Brokerage 2015
Fair Housing 2015
Ethics in Real Estate 2015
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Short Sales and Forclosure Specialist Short Sales
First and foremost, a Short Sale is not a method of correcting a mistake in judgment made by a unfortunate homeowner in a difficult Real Estate market. All short sales must be qualified and approved by the loss mitigation department of the lender or lenders involved.
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To find the best mortgage available
We are dedicated to providing you with service that is professional, courteous and responsive in helping you find a property.
Here's the good news: More people than ever can buy a home.
All debt is not created equal. While financial advisers almost reflexively urge consumers to avoid carrying credit card balances from month to month and to go easy on boat loans, car loans and other forms of debt, they usually make an exception for a mortgage used to buy your home. A home mortgage is one of the very best uses of credit.
How to buy the right home
1. Buy what you can afford
2. Be smart with equity
3. Get a loan that fits your finances
The fundamental reasoning is simple: While you could save your money and buy clothes, cars and maybe even college tuition outright with cash, very few people could ever hope to save enough to buy a home for cash, especially during their child-rearing years when they have the greatest need. A mortgage allows you to buy a home after having saved only a relatively small amount of its value, perhaps 5 percent or less, and to reap the financial gains as its value grows over the years.
Buy what you can afford. Choosing the right mortgage, however, can be a make-or-break decision for your overall financial picture. Just as the home is the greatest asset for most people, their mortgage payment is usually their biggest monthly bill, so you need to shop carefully for the right one.
Judith Shine, a Certified Financial Planner in Lone Tree, Colo., advises borrowers to look at all types of loans and to choose the one with specific provisions that are most closely tailored to their financial situation.
"A mortgage is an expensive purchase and people don't see it that way. They see it as a commodity, and it's as far away from a commodity as it can be."
For example, she likes to look for adjustable-rate mortgages that give the borrower the opportunity to pay a little bit extra to the have the option of locking in his or her rate at some point. "Not every one has a lock, but we look for it."
What she does not like to see in a mortgage is a lot of built-in risk. "I do not like to see low down payments. That's where you get in trouble. I don't like to see loans that are bumping up against what people are able to afford."
However, as long as the payments are well within the range that a borrower can afford, she's open to all types of loans, even those that have garnered bad reputations in recent years, such as mortgages that allow interest-only payments or adjustable-rate loans that change frequently.
"It's not risky if you buy the house correctly. When people get 'upside down' (owing more on their mortgage than the house is worth), it's because they paid too much for the house. That's what a lot of people are confusing. Lending money on a house that is not worth the price is risky.
http://www.viadeo.com/en/profile/mark.rienzie1 50 Million Professionals
To find the best mortgage available, call Call Mark Rienzie 516-313-3112
Prequalified or preapproved borrowers have an edge
Whether you are buying a home or are refinancing your current mortgage, you eventually have to apply for a loan and compare offers. You will need to gather a lot of paperwork, satisfy a list of credit requirements, negotiate the best possible loan terms and make sense of the good-faith estimate.
You will be asked to supply a lot of paperwork when you apply. Then you'll get some paperwork in return. Of the documents you receive, the most important is the good-faith estimate of closing costs. The lender might shorten that to "good-faith estimate" or GFE. Here we will call it the good-faith estimate.
Before we dive into a detailed explanation of the good-faith estimate, we will tell you about the difference between prequalification and preapproval, the questions that lenders will ask, and the questions that you should ask lenders. Near the end of this chapter we will describe what you will find in the good-faith estimate. That won't be the final word, though. The good-faith estimate contains several categories of fees, and it will take this and the following two chapters to explain them all.
If you already own a home and you're looking to refinance, you can skip this chapter. If you plan to buy a home, the first step is to determine how much house you can afford, and then to start shopping for a mortgage. Your goal is to get prequalified or, better yet, preapproved. Once you have done that, you can start shopping in earnest for a home.
By getting prequalified or preapproved for a mortgage, you will have negotiating leverage because the seller knows that you already have a loan virtually in your pocket. And you won't be tempted to buy an unaffordable house.
Prequalification acts as a dry run of the loan application process. The mortgage lender will use details you provide about your credit, income, assets and debts to arrive at an estimate of how much mortgage you can afford. The whole process may take only minutes, or a few hours at most, and is usually free.
While a "prequal" is nonbinding to the lender (because the information you provide has not been verified), it does serve as a good indication to potential sellers of your general creditworthiness.
Preapproval takes prequalification one step further. The lender will contact your employer, your bank and others to verify your income, assets, debts and credit history, and then issue you a letter stating that your mortgage is approved for a certain amount within a certain time. You may be charged a small fee to cover the cost of your credit reports and your application, often refunded at closing.
Gain the buying edge
The advantages of prequalification and preapproval are twofold: You're more attractive to sellers, who needn't worry that they'll accept your offer only to have your loan turned down, and you'll save time closing when you find a home because the lender will have already completed the necessary qualifying and underwriting steps.
Important note: Should your financial circumstances change before closing, make sure to contact your lender, as your prequalification or preapproval may no longer be valid.
The Tremendous Tax Advantage of Owning Real Estate.
For a $350,000 mortgage at 6% for 30 years, the total first years interest is $20,883. Add approximately $7,800 in real estate tax,
the total tax deduction is $28,683 for the first year.
• To Calculate Your Total Interest
You can calculate total interest on any principal mortgage amount by going to http://www.laffey.com . On the top navigation bar, click Mortgage Rates. This will bring you to the First Allied Mortgage Bankers home page. In the first paragraph clicks "calculate payment". This will bring you to an Amortization Calculator. Enter the new principal amount.
• Qualifying Rate
You can call at First Allied to see what rate you qualify for. Call (516)626-5100.
• The Nice Part
You can realize this tax advantage in every pay check. Go to
At "Most Requested Forms and Publications" click "W4". You can use this form to calculate the number of exemptions you can claim so your employer can withhold the correct federal income tax from your pay.
On page 2 of the W4, the top paragraph is a "Deductions and Adjustments Worksheet". Note in item #1 you can include mortgage interest and local (real estate) taxes.
You can easily add 5+ exemptions, thus significantly increasing your take home pay.
Prepared by Your Realtor: Mark Rienzie
Finding your dream home has never been easier!
Web Site: http://www.laffey.com/mrienzie
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