LISTING, REFFERRALS, BUYERS, SELLERS. YOU TRIED THE REST NOW COME BACK TO THE FAMILYA FAMILY AFFAIR REALTY, STATEN ISLAND FOR SALE, HOMES FOR SALE, HOMES FOR SALE IN STATEN ISLAND, HOMES FOR SALE IN STATEN ISLAND NEW YORK, HOMES FOR SALE IN NEW YORK, STATEN ISLAND HOMES, STATEN ISLAND REAL ESTATE, STATEN ISLAND REALTORS, STATEN ISLAND INVESTMENT PROPERTIES, NY HOMES, NEW YORK PROPERTIES, RICHMOND HOMES, RICHMOND REALTORS, RICHMOND COUNTY HOMES, RICHMOND COUNTY REALTOR, REAL ESTATE IN STATEN ISLAND, OPEN HOUSE, CARAVANS, FREE APPRAISAL, BUY A HOME, SELL A HOME, RENT A HOME, BUY SELL RENT, HISTORIC, SHOWCASE, STATEN ISLAND COMMUNITY COLLEGE, ST. JOHN S UNIVERSITY, WAGNER COLLEGE, MOVING, RELOCATING, NAR, NATIONAL ASSOCIATION OF REALTORS, OWNER, RENTOR, SELLLER,BUNGALOW, CAPE, COLONIAL, CENTER HALL COLONIAL, SIDE HALL COLONIAL, CONTEMPORY GARDEN, GARAGE TO GARAGE, HI RANCH, RANCH, RAISED RANCH, TUDOR, VICTORIAN, BUNGALOWS, TRAILER PARK, LAND, LOTS, RESIDENTIAL, COMMERCIAL, BUSINESS, RESIDENTIAL RENTALS, BUSINESS RENTALS, COMMERCIAL RENTALS, MULTI-FAMILY, 1 FAMILY DETACHED, 2 FAMILY DETACHED, 1 FAMILY SEMI, 2 FAMILY SEMI, 1 FAMILY ATTACHED, 2 FAMILY ATTACHED, CODO, CONDOMINIUM, CO-OP, COOPERATIVE, DEVELOPMENT, TOWNHOUSE, TOWNHOME, BROOKLYN NEW YORK, KINGS COUNTY, USA ANNADALE, ARDEN HEIGHTS, ARLINGTON, ARROCHAR, BAY TERRACE, BLOOMFIELD, BULLS HEAD, BUTLER MANOR, CASTLETON, CHARLESTON, CLIFTON, CLOVE LAKE, CONCORD, DONGAN HILLS, DONGAN HILLS ABOVE HYLAN, DONGAN HILLS BELOW HYLAN, ELM PARK, EMERSON HILL, ELTINGVILLE, FORT WADSWORTH, GRANITEVILLE, GRASMERE, GREAT KILLS, GRYMES HILL, HEARTLAND VILLAGE, HIGH ROCK, HUGUENOT, LATOURETTE, LOWER TODT HILL, LIGHT HOUSE HILL, MANOR HEIGHTS, MARINERS HARBOR, MIDLAND BEACH, NEW BRIGHTON, NEW DORP, NEW SPRINGVILLE, OAKWOOD, OLD TOWN, PARK HILL, PLEASANT PLAINS, PORT RICHMOND, PRINCESS BAY, RANDAL MANOR, RICHMOND TOWN, RICHMOND VALLEY, ROSEBANK, ROSSVILLE, ROYAL OAK, SOUTH EAST ANNADALE. SHORE ACRES, SILVER LAKE, SOUTH BEACH, SAINT GEORGE, STAPLETON, SUNNYSIDE, SUNSET HILL, TODT HILL, TOMPKINSVILLE, TOTTENVILLE, TRAVIS, WARD HILL, WEST BRIGHTON, WESTERLEIGH, WILLOWBROOK, WOODROW, PICTURES, VIRTUAL TOUR, SLIDE SHOW, RESALE, NEW CONSTRUCTION, FIXER UPPERS, HANDYMAN SPECIALS, NEW HOMES, PERFECT HOME, HOME, ASPEN KNOLLS, MLS, MULTI LISTING SERVICE, NEED TO SELL, NEED TO BUY, MORTGAGE, CREDIT CHECK, 10301, 10302, 10303, 10304, 10305, 10306, 10307, 10308, 10309, 10310, 10311, 10312, 10313, 10314, ZONING, R1-1, R1-2, R-2, R3A, R4A, R3-1, R4-1, R4B, R3-2, R4, R5, R5B, BAYLEY SETON HOSPITAL, DOCTORS HOSPITAL, SEAVIEW HOSPITAL, SEAVIEW HOME, STATEN ISLAND HOSPITAL NORTH AND SOUTH, SAINT VINCENT S MEDICAL CENTER, PRIVATE AND PAROCHIAL SCHOOLS, PUBLIC SCHOOLS, HOUSES OF WORSHIP, WAYS TO MAKE SELLING YOUR HOME EASIER, WAYS TO GET YOUR HOME SOLD FAST, SERVICES OFFER TO SELLERS, SERVICES OFFERED TO BUYERS, NEIGHBORHOOD, LICENSED REAL ESTATE SALES PERSONS, REAL ESTATE AGENT, REAL ESTATE BROKER, AMERICAN DREAM, CUSTOMER, CLIENT, PRINCIPAL, COMMISSION, AGENCY, PROPERTY, PURCHASERS, SELLING AGENT, LISTING AGENT, AGENTS RESPONSIBILITIES, ENGINEERS, ATTORNEYS, ADVERTISING, STATEN ISLAND ADVANCE, COURIER MAGAZINE, STATEN ISLAND BOARD OF REALTORS, SIBOR, WEB SITE, FIRST HOME, FIRST TIME BUYERS, REFERRALS, LOFT, CUL-DE-SAC PLACE, STREET, BLDV., BOULEVARD, AVENUE, ROAD, TERRACE, INDEPENDENTLY OWNED, AFFORDABLE, HOUSING, ACTIVITIES LEISURE, CULTURAL, ETHNIC, COMMUTE, EDUCATION, SCHOOL DISTRICT, RURAL, COUNTY, CITY, PRICES, PRICEY HOMES, HOME APPRECIATION, LIFESTYLE, LAWN, FLOOD INSURANCE, HOME INSURANCE, EQUITY, COSTCO, HOME DEPOT, LOWES, TARGET, FIND THE RIGHT REALTOR, CONSUMER, FREE ESTIMATE, HOW MUCH IS MY HOME WORTH, APPRPAISER, MARKET, FEE FOR SERVICE, DISCOUNT BROKER, ATTORNEY, FEES, AGENTS, SALESPERSONS, ASSOCIATE BROKER, PORCH, NEIGHBORHOOD, CORPORATE PARK, SOUTH AVENUE, STATEN ISLAND MALL, SHOPPING AREA, MORTGAGE RATES, HOAM LOAN, QUOTES, LOWEST, HIGHEST, LENDERS, SNUG HARBOR, AFFORD, INVESTING, BIG CITY, AMENTIES, LESS STRESS, POPULATION, MORTGAGE BROKER, MORTGAGE QUOTES, REFINANCE, NEGOTIATING, HOUSE VALUES, HOME VALUES, NUMBER OF BATHS, NUMBER OF BEDROOMS, MAXIUM PRICE, MINIMUM PRICE, AFAREALTY, AFFORDABLE, HOUSING,ACTIVITIES, LEISURE, CULTURAL, ETHNIC, COMMUTE, EDUCATION, SCHOOL DISTRICT, RURAL, COUNTRY, CITY, PRICES, PRICEY HOMES, HOME APPRECIATION, LIFESTYLE, LAWN, FLOOD INSURANCE, EQUITY, BROWSE, SEARCH, CONSUMER, FREE ESTIMATE, HOME WORTH, APPRAISAL, MARKET, FEE FOR SERVICE, REBATE, DISCOUNT BROKER, ATTONREY FEES, AGENT, SALEPERSONS, BROKER, BAD CREDIT, GOOD CREDIT, PORCH, NEIGHBORHOOD, FIND THE RIGHT REALTOR, PMI, PRIVATE MORTGAGE INSURANCE. PLATINUM FINANCE,STREAMLINE MORTGAGE,CITY ATLANTIC,HOW TO CLEAN, CLEANING TIPS,PLACES TO VISIT INSTATEN ISLAND,FREE WEB ADVERTISEMENT, REALTOR.COM, NEWLYWEDS, RELOCATION PROGRAM. PRE-QUALIFY BUYERS FOR FOR SALE BY OWNERS,BROOKLYN, 11231, 11232, 11234,FORCLOSURE, PRE-FORCLOSURE, STOP FORCLOSURES, AVOID FORCLOSURE, LIS PENDEN,HGTV,GOOD HOUSE KEEPING,DISNEY,PASS THE PLATE,START AT HOME,DESIGN TO SELL,HOUSE HUNTERS,PROPERTY VIRGINS, MY FIRST PLACE, WHAT'S MY HOME WORTH,THE BEST OF THE BEST,RECEIPES, DIET & HEALTH, STYLE & BEAUTY,FAMILY & KIDS,TEST YOUR BRAIN,MAKEOVERS BUYING TIPS, EASY WAYS TO GO GREEN, DINF A DIET,NAMES & FACES, SAVING MONEY, TODAYS DINNER,TRULIA,ACTIVE RAIN,POINT 2, HANDSHAKE,BACKSTAGE,CRAIG LIST,EVERYDAY HEALTH,TRACK CALORIES, CARBS,SUGAR,PROTEIN,VITAMIN A, VITAMIN C,IRON,PROTEIN,MENU,COUNT,STATUE OF LIBERTY, COMMUNITY AFFAIRS, BRONX ZOO, CENTRAL PARK, HOMEWORK,ENERGY EFFICIENCY, PLATINUM, FINANCE, BROKERS, HAPPENINGS ON STATEN ISLAND, COUNCIL OF THE ARTS AND HUMANITIES, ALL ABOUT HOMES, CLEANING TIPS, CITY ATLANTIC, ATLANTIC CITY, HGTV, NEW YORK CITY WEB SITES,INFORMATION, COMPLAINT, OFFICIALS, ACTIVE RAIN,PRINTABLE CHECKLIST, GROCERY LIST, GOOD HOUSEKEEPING,THE FINAL WORD, AL SIMONE, APPRAISAL, CERTIFIED APPRAISER, HOME SAFETY, AMBER ALERT, ENCYCLOPEDIA OF LIFE, LIFE LOCK,STOP JUNK MAIL, SECURE IDENTITY,ST.JUDE, FIGHTING CANCER, SPECIAL EVENTS, CHILDREN, DISCOUNTED PRESCRIPTION, UNINSURED, UNDERINSURED, RESIDENTS, DIABETICS, EVERYDAY HEALTH, FAMILY FUN, PARTY IDEAS, CELEBRATE, PRECIOUS PARTY, MIKE SPEER, WINDOWS, DAVID SAFFRAN, PHOTOGRAPHY, SPECIL OCCASIONS, HIGH CLASS CARPET CLEANER, NATIONAL WEATHER SEVICE, REAL TIME TRAFFICE REPORT, HOMEWORK HELPER,NEW YORK YANKEES, STATEN ISLAND YANKEES, NEW YORK METS, BROOKLYN CYCLONES, LIBERTY TAX, SERVICE. KEY WORDSwalkable to,feel,floor plan and flow, Lifestyle upgrades,for first time buyers,materials,brand names,neighborhood names,built-in, custom, on trend features,little kitchen luxuries, luxuries, differentiators from the competition, platinum, welcome, neighbourhood, masters, style, shop, Kidz, Lounge, hair, cutters, pizza, game, shop, gateway, carpets, rita's,


SHORT SALES

HOW TO AVOID LOOSING YOUR HOME

Today's market is seeing an abundance of Home Owners
loosing their Homes through

*Bankruptcy
*Forclosure
*Short Sales 
*Deed in Lue of
 
*Bail out

What exactly do all of these terms mean and how can they be avoided?

Let us start at the begining.

One day you decide you want to have the AMERICAN DREAM
an own a home. Nothing wrong with that.
You find a Realtor, you start the search, you find what you want then you go see a Mortgage Broker or Banker.

You sit, chat, do a CREDIT REPORT, hear a lot of words, they all sound ok (although through all your excitement your not really hearing what is said) you sign the papers, have your offer on the home accepted, go to the closing, sign more papers and BOOM - YOU NOW OWN A HOME & HAVE LIVED THE AMERICAN DREAM.

Now the excitement of the home is starting to wear off a bit and you relize you have all these bills. Where did they all come from. Your Credit cards are maxed (needed new stuff for the New Home) Your income seems to be shrinking (not really,
the bills are getting larger) Your mortgage payment is what? (your payment increased by about $500.00 a month after the first year) WE CAN'T AFFORD THIS. 


This is how it all began & this is why we are all where we are!

True story - I like the rest of you always wanted the AMERICAN DREAM, a HOME, 2 Kids, & a Dog. Well in 1988 I had it all. 
The nice Home, the beautiful Kids and a dog named Rambo
My bank interest was 16% (not an error - it was 16%)
(I laugh when people say 6%, that's high)
Well low & behold 4 years later I lost it all. The bank forclosed, we moved to an apartment (after the embarrasment of having our name posted in the paper 3 times) 
Never knew about all the ways we could have saved this from happening. Had no knowledge of what to do, where to go who to see, nothing. We packed our bags and went on our way
wound up on welfare for a short while. Things didn't work out, we divorced, started all over and happy to say I now own my own Real Estate Business & a Home. 

There is a LIGHT at the end of the tunnel, you just have to know where to look for it.

A FAMILY AFFAIR REALTY  is that LIGHT. 
We will help you, stand with you, negotiate for you, take the call from the banks & credit card companies for you. That is what FAMILY does for FAMILY. We will help you every way possible because we are A FAMILY AFFAIR.

DON'T WAIT TILL IT'S TOO LATE AND YOUR PHONE DOESN'T STOP RINGING

Make the first move and call us, even the call is free
1-800-56 family (32645 leave off the y because YOUR family)

OUR PROMISE TO YOU:
 
    If we can't help you we will find someone who can.

I never want to see anyone go through what I went through, loosing a home is like loosing a part of your life.

Sincerely,
Ann Marie Focca
Licensed Broker/Owner
347-273-1307