Winter 2022 SJ Real Estate Magazine by nmg

REALESTATE South Jersey

WINTER 2022 ISSUE | FREE

Beneﬁts of

HOMEBUYING

in the winter

In thi s - Mortg issue: age Tre nds for 202 - Marke 2 t Outloo k and mo re!

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

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SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

Real Estate Market

STILL BOOMING INTO 2022

BY KATHY CHANG

s the real estate market heads into its second year of a boom, it is too soon to tell when the bubble will burst. “Do I want it to go on? Yes. Do I see it going on for another five years, probably not. But it could go on for another couple of years until either the inventory catches up or when and if the interest

rate goes up,” said Jason Gareau, of the Jason Gareau Team at Long and Foster Real Estate in Medford, as he reflected on the current real estate boom. “When comparing the current boom to the boom from 2001 to 2007, it wasn’t as crazy in the beginning as it has been in the first two years of this boom,” he said. “I could see this being half that amount of time.” please see MARKET, page 5

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

South Jersey

REAL ESTATE WINTER 2022 ISSUE

COO

PERRY CORSETTI VP OF SALES

MARKET

City who realized “they wanted something bigger or better,” Gareau said.

continued from page 4

For 2022, real estate agents can expect more of the same due to the continued low inventory. When the market reopened after a moratorium was put in place on the real estate industry in April and May of 2020 to help flatten the curve of COVID-19 cases, New Jersey saw an influx of at least 20 percent of people from Philadelphia and 20 percent of people from New York

“There was nowhere for them to go,” he said. “New Jersey is already completely packed with people. There are not many places to build left other than all the farmland down south and a lot of that is protected. Anything that came on the market, it just got bid out of control. It’s still happening.” For Edward Vincent, who began his real estate career at the height of the boom please see MARKET, page 6

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BRITTANY ROUGHT EDITOR

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MARKETING CONSULTANTS

CONTRIBUTING WRITERS

KATHY CHANG TAYLOR LIER CHRIS ISAAC LAUREN LAMINATA SAM DONNELLON CREATIVE DIRECTOR

KIMBERLY KRAUSS

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MARKET

going to be scared and that is where we’ll see the end of this run.”

with the guidance of Gareau, said he sold a house a month.

For people who don’t want to ‘miss this boat’, Gareau said it’s better to buy or sell sooner than later.

continued from page 5

“It’s still a hot market and I don’t think it is going to slow down anytime soon,” he said. The craziness of the market may impact the inventory over the next 5 to 10 years. “You can’t just recreate all those houses,” Gareau said. “I just don’t see a way the inventory can increase because of how many houses suddenly sold in the last two years. You can’t come back from that unless they start building all over New Jersey. The only thing I can see that will stop this market from continuing to go is a [mortgage] rate hike. I do think we will see an increase this year, hopefully only a point or two points.” Just like the unpredictability of when the market will ‘burst’, mortgage rates, which are essentially dictated by the federal government, are also unforeseeable. “It’s something I don’t have any control over,” Gareau said, noting the rate currently is at 3.5 percent. “A rate increase would actually create more of a frenzy because people will think they are ‘missing the boat’ and want to get in before the rate goes higher. If the rates climb two or three points to 7 percent the market is just going to shut off. People are

“We know we’re in the middle of [a boom] now,” he said. “If you’re thinking about selling, sell now. You don’t necessarily have to move now, but you should sell now. Figure out somewhere to go, whether you’re going to rent or not, because you’ll be kicking yourself three to five years from now when the bubble pops and the prices come down.” Last year, Gareau made a video on what was going on in the market and why it’s a good idea to sell now “if you were thinking of selling in the next three years.” “We were seeing these outrageous numbers, sometimes $50,000 over asking,” he said. “Most of the houses I was dealing with, they went up $100,000 from one year prior. It was so eye opening to me.” Gareau said he believes with how inflation is now, at some point it’s going to influence the rates. He hopes this is not the case.

“We need the real estate market to keep moving and not shut down,” he said. “When people are buying and selling houses, they are doing stuff to those houses. They are going to Home Depot and buying material, going to Walmart or Target and buying stuff for the inside of the house, buying homeowners insurance, etc. There are so many things that are connected to a sale or a purchase. It truly runs the economy.” ■

Thank you

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

to our

Expert Contributers Ready to

Edward Vincent

Anthony Caraffa

fall in lolove... ...

with a new home?

I’d love to help you get started. Jason Gareau

Lisa Wolschina

Michael Badessa

Bonnie Walter

Call me today at 732.690.0888 for a complete confidential personal home evaluation before you make a move.

Cynthia Beechler

Sales Associate ciate

Foodie | Cyclist | World Traveler

Lisa Arcano

Matt Curcio

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SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

BENEFITS OF

HOMEin BUYING the Winter BY CHRIS ISAAC

hen it comes to looking for a home, the holidays and the harsh weather often deter prospective buyers from looking in the winter. Once fall starts finishing up, most people decide to put off their search until spring arrives. However, there are actually a number of advantages to home buying in the winter that can make it an easier season to shop in. Several area real estate agents weighed in on the topic with their expertise. First is Lisa Wolschina, a professional real estate agent of nearly nineteen years who has been working with Keller Williams in New Jersey for the last decade. When it comes to the winter, she advises clients to consider the lack of competition they will face. “Fewer people are looking for houses in the winter,” she said, explaining the lower likelihood of encountering other people viewing the same properties you might be interested in. “It’s very seasonal in our area, the South please see WINTER, page 10

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

WINTER

continued from page 8

Jersey area. So the winter’s just a quieter market. So if there are buyers looking, they have less competition than they will with other buyers in the spring.” You might assume, given the current state of the country, that you would be able to easily find a home without any special strategies like shopping in winter. After all, the pandemic is still a problem, and many people are still struggling with work, so you might figure you would not have to worry about much competition in finding a house right now, regardless of the season. However, experts say that assumption would be a mistake. Anthony Caraffa has worked in residential real estate since 2017, and for nearly a year now has been with Weichert Realtors in Haddonfield, New Jersey. Regarding how busy the market is with buyers, he says, “Even in these unprecedented times, it’s a very, very competitive market right now. You’ll do much better in a winter market, particularly around the holidays, than you would around the more traditional time to buy a house,

which is spring, summer.” According to Caraffa, sellers also often feel more confident dealing with winter buyers. Explaining why, he stated, “If you’re looking in the winter, you’re a serious buyer. And sellers should take heed that anyone who would be coming to you, it might not necessarily be quantity, but it will certainly be a quality buyer.” Caraffa said people searching in winter often need a new place urgently, and sellers are cognizant of that. With less offers coming in, that also lessens the likelihood of you as a buyer having to exceed what you wanted to spend by getting caught in a bidding war. There are some potential roadblocks to bear in mind for winter buying, though. For one, since there typically are less buyers looking in this season, a lot of sellers do not bother listing their property until after the winter. Wolschina and Caraffa both warned that this will mean less selection for buyers to choose from. This time of year could also prevent your home inspector from fully examining the home, such as if the house has a pool which obviously can’t be filled up when the temperatures are freezing. However, please see WINTER, page 11

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SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

WINTER

continued from page 10

both realtors stressed that they feel the benefits for buyers during the season do outweigh the drawbacks. “It’s less stressful in the winter,” explained Wolschina, “just because there’s not the craziness of the spring where buyers are fighting to find good inspectors, and your mortgage broker, underwriters and the title company. Like everyone is so busy. Anyone in a real estate transaction is so busy in the spring. It’s just stressful. It’s just more stress to be buying in a busy, busy market.” Because it is not as typical to have interested buyers in the winter, you will likely have easier access to all the parties you need to complete the purchase. Wolschina also stated that this includes agents, who will be able to provide you with more individualized attention for your needs. So being willing to endure the minor stress of the inclement weather will spare you the more major stress of having difficulty reaching the people you require to complete the purchase. Speaking of stress, Caraffa also states

that the bad weather can make good conditions to view houses in, because it acts as a sort of stress test for the property. “Colder temperatures, you’ll be able to really see if the house heats itself well,” said Caraffa. “If snow were to accumulate on the roof and get really wet and heavy, you’d be able to see whether or not the roof can withstand that kind of stressor being put on it.” He explained how moisture in general is great for revealing problems you might be dealing with. “If there’s any issues in the basement with respect to flooding or anything like that, pipes freezing, it’s an opportunity to see homes in the most adverse conditions.” Overall, there are plenty of advantages that make winter home buying worth considering. It can certainly be a hassle to carve out time for it when the holidays already eat into your free time, and you also have to worry about the potential for snow and ice. But if you can overlook those obstacles, the rest of the home buying process can also be much smoother for you in winter. So if you are looking to move, don’t immediately rule out the colder months. Be open to all your options when figuring out when is the best time for you to look. ■

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BY SAMUEL DONNELLON

ere’s the good news for those seeking to purchase a home in South Jersey in 2022: Demand for housing has subsided from the insanity of 2021.

search of first homes and, or upgrades, and are continuing their exodus from urban rentals to subur-

The bad news? Instead of 12 or more potential buyers bidding up the price of your dream home, there may now only be six. “Inventory is still low,” says Bonnie Walter of Keller Williams Realty in Cherry Hill. “It’s still not keeping up with demand.” Despite record prices that saw some homes sell for as much as $75,000 over asking price in 2021, there are still more buyers than sellers out there as we head into 2022. That is not likely to change until at least late in the year, says Walter, perhaps not even until 2023. Many millennials, particularly those seeking to start families, are still in

home has become very important.” Thus even more spacious locales such as Sewell and Turnersville can’t match their inventory to demand, she says. And in places like Collingswood, Moorestown and Haddonfield? ban ownership. “Kitchens and baths are still most important,” Walter says. “But now, so is outdoor space. Especially for those who were living in the close confines of a city, the space around your

“The Spring season starts right after the Super Bowl,’’ says Walter. “Typically, there’s about 100 homes in Haddonfield up for sale. Currently there’s 22.’’ please see MORTGAGE, page 21

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HOW THE

COVID pandemic HAS CHANGED THE WAY

PEOPLE VIEW HOMES

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

BY LAUREN LAMANTIA

More Than a REALTOR® Your Trusted Advisor.

efore the spring of 2020, when the COVID pandemic swept the nation, homes used to be held as a place to wind down after going to work and bond over a meal with family and friends. Now, the dynamics at home have transformed into not just one residential space, but a place where people are balancing different roles such as incorporating work, raising their families and even reaching different milestones in education all under one roof.

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percent increase set a record. Estimates by national monitors such as Zillow and Fannie Mae predict the 2022 increase between 7 and 11 percent.

MORTGAGE

refinances that have been filling mortgage pipelines over the last two years won’t be the same in 2022.”

Still, less bidders should mean slightly less markup than in 2021. Working against that, however, is the steady rise of mortgage rates, from about 2.67percent in January of 2021 to 3.4 percent by early January of this year. Indeed they spiked from 3.12 to 3.4 in a matter of days during that time after Federal Reserve Chairman Jerome Powell announced that the Fed expects to raise rates three times in 2022. While Mortgage and refinance rates historically follow such increases, they are expected to be incremental, especially given the close historical relationship between mortgage rates and the 10-year Treasury yield, which economists do not expect to rise much in the coming year.

Even if they touch four percent, mortgage rates would still be at historically low levels, and hardly deter homebuyers. Walter expects to see home prices continue to rise during the first half of 2022, albeit at a slower pace than 2021, when the national average of a 19.5

continued from page 13

Michael Badessa, a Mortgage Loan Officer with NFM Lending of Medford Lakes, believes that, “We might even touch 4 percent,” by the end of 2022, but not more. It is a view shared by several industry experts, most notably Michael Fratantoni, chief economist for the Mortgage Bankers Association (MBA).

“Applications for purchases are going to stay about the same as they were for 2021,” Badessa predicts. “I don’t see the inventory problem ending anytime soon.” “Right now it’s still a seller’s market,” says Walter. “And just looking at the inventory, it’s at least nine months before it even has a chance to turn.” ■

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“Mortgage applications will decrease though, because as the interest rates increase, there is going to be less need for refinances.” That, in fact, has already begun to happen. The real estate data analytics firm, Black Knight, reported the overall refinance share of the market to be at 45 percent in October, its lowest since June 2021. “Refinances will still be around for people who need to do debt consolidation or cash out,” says Badessa. “But the

So when does inventory catch up to demand? Probably towards the end of 2022, says Walter -assuming the constantly morphing Coronavirus doesn’t continue to influence the market. Home office space has risen in importance during the Pandemic, and with many businesses mulling or already deciding to permanently operate remotely, that won’t change.

Denise Walsh

Sales Associate C: 856.685.3650 denisewalsh23@weichert.com www.denise-walsh.weichert.com 202 W. Main Street, Moorestown, NJ 08057 • 856-235-1950

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

PANDEMIC

continued from page 17

impacted buyers’ consideration of work and lifestyle necessities have now played a jarring role in what people invest into. Licensed New Jersey Realtor Matt Curcio of Curcio Real Estate Partners at REAL Brokerage located in Pitman New Jersey, spoke on how the ongoing COVID pandemic has changed the way people look at homes and how it coincides with sales price, that may further increase, depending on different properties and what each may have to offer. Through this, Curcio also mentioned how the value of homes increased. Due to homeowners now having to navigate through the hardships of the constantly changing pandemic, Curcio shared how in people spending more time in their residency, more value is being seen. “People are seeing the value in their home more because they’re stuck at

home a lot more. Your home is not only where you sleep and go after work, now your home becomes your work location, some people’s schools for their children. For other people, it serves at their daycare while they’re at work. So I believe that helped spike the prices,” Curcio continued. “There are a lot more homeowners with a lot more invested into their homes.” Similar to Curcio, Realtor Associate Lisa Arcano with Weichert Moorestown-

Haddonfield, noted that in sellers showcasing what the home has to offer to a potential buyer, the pandemic has allowed for people to see what kind of flexibility and different opportunities await in a home that can fulfill the buyers needs. One thing above all that has increased popularity during this time is the attractiveness that comes with having the space for a home office, according to Arcano. “If you’re a seller you want to advertise the best you can to the buyers who are looking to be home…. COVID has birthed the ability to work from home for most people.” Arcano also noted that the real estate market is seeing people interested in relocating out of densely populated areas such as cities, to suburban areas taking into consideration the spread of the pandemic and other lifestyle changes.

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In regards to the future of real estate and what people are taking into account, Arcano notes that instead of owning a property for a little while, she mentioned that has changed. “I feel that there getting more for their value now so there going to purchase a home that they can see themselves raising their children in, their family and again staying long term,” Arcano said In looking at how the pandemic has changed how potential buyers view what a home is and the ability to house many different generations’ needs, the future of real estate will continue to grow and change alongside the people that live inside. ■

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

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NEW YEAR, NEW ROOF? Your 2022 Guide to Roofing

By: TAYLOR LIER

s we kick off a new year, new goals are being put into place with some involving home renovations. Have you had an opportunity to explore your home’s roofing? When is the best time to consider a new roof? We may be a bit ahead of the game during the snowy winter weather, however, the best time to consider a new roof or repairs to your current one is only a season away, according to Darren Mainardi, President of Sebastian Builders located in Shamong, New Jersey. “In our opinion, the best time to replace the roof of your home would be spring through fall,” Mainardi said. “The optimal temperature for installing shingles is a constant temperature of 45 degrees Fahrenheit. Therefore, installing shingles in the wintertime is not recommended in our region. Most of the time, the shingles will not lay flat and will not seal if they are installed under recommended temperatures. If the new roof is installed under recommended constant 45 degrees Fahrenheit and shingles are blown off there is no warranty as per please see ROOFING, page 26

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

3/15/2022.

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

ROOFING

continued from page 24

manufacturer.” If you’re considering a new roof, there is most likely a problem or issue with your current one that’s influencing your decision to change it. From cracks to cosmetic repairs, some of the key indicators that it is time for a new roof include:

Sebastian Builders the only way for us to ensure the complete integrity of your roof, we do not offer re-roofing, only roof replacements.”

• Granular loss: When cleaning the gutters, if you find granules inside that have fallen off of the shingles due to wear and weather. • Damaged or missing shingles: missing, cracked or curled shingles. • Leaks: Leakage in the attic caused by driving rain, and stains on interior ceilings and walls. • Mold and mildew growth • Peeling of outside paint: The peeling of the paint can be caused by excessive moisture or high humidity due to poor attic ventilation. When a band-aid fixes a cut, is there something similar for roofs? Reroofing

has grown in popularity over the years, however, it is not a permanent solution to any homeowner’s roofing issues. “Re-roofing means applying a new roof on top of your existing roof, which in layman’s terms is covering the preexisting roof ’s problems with a band-aid fix,” Mainardi said. “Alternatively, roof replacement is a complete tear off of the existing roof, inspecting all plywood and possible areas of concern, and installing a complete new roof system. At

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If you’re a prospective homebuyer or first-time homeowner, making sure your roof maintains overall good health is crucial and can save you not only time but dollars. “When a roofing system is installed properly by a professional contractor, it should be generally maintenance free,” Mainardi said. Basic tips on maintaining the overall health of your roof include: • Keep Debris Off the Roof - From your son’s Frisbee to excess leaves, removing debris off the roof routinely allows water to not back up in the structure, causing leaks and erosion. • Keep Gutters Clean - When gutters are clogged, water cannot drain properly. Making sure gutters are clean gives rainwater a place to run instead of causing damage in the interior and exterior of your home. • Create Enough Sunlight Exposure Around the Perimeter of Your Home - Lack of sunlight can cause mold and mildew to develop. By removing excess trees around your home, you can allow for more sun to reach the roofing. Sebastian Builders, LLC is a familyowned and operated roofing contracting business in Shamong Township, New Jersey offering services such as roofing, skylights, siding, soffits, gutters and fascia, custom decks, windows, and doors, and finished basements. Darren Mainardi is President and Sebastian Mainardi is Vice President. Sebastian Builders, LLC strives to provide their customers with the most value for their dollar and highest quality workmanship they can offer. To learn more, visit sebastianbuilders.com or call 856-9883243. ■

SOUTH JERSEY REAL ESTATE MAGAZINE | WINTER 2022

ANNE E. KOONS ACCREDITED LUXURY HOME SPECIALIST Licensed in NJ & PA

NJAR Circle of Excellence PLATINUM Award 2020, 2018 201715,2012 GOLD Award 2019, 2014, 2013 Direct 8567954709 Cell 8562615113 akoonsbhhs@gmail.com www.annekoonsrealestate.com 1401 Route 70 E., Cherry Hill, NJ 08034

Cherry Hill/Sienna Professionally landscape grounds surround this beautiful home on a cul-de-sac in the Sienna subdivision. This lovely home has 6 bedrooms, 5 1/2 baths, full finished bsmt with hardwood floors, full bath and bedroom. The gorgeous backyard gives you a resort like living with a large saltwater pool with custom glass tiles all around surrounded by Travertine. There is a pool house with a full bathroom, kitchen and 2 beds in the upstairs loft. There is a large trex deck off the back of the house which is great for entertaining and a trex fence surrounds the whole property for total privacy. There is a 3 car side garage, paver driveway and walkway to the front door. A new front door ensemble awaits you, 9ft. Ceilings, 1st floor home office with built-ins, 1st floor mother-in-law suite with its own separate entrance. A large kitchen with granite countertops, stainless steel appliances and large walk-in pantry. Hardwood floors throughout the first floor, large dining and living rooms that lead out to the trex deck which is great for entertaining. Mstr Suite has a newer Mstr bathroom and newer custom closet and sitting area. 3 additional bedrooms and 2 full baths plus a large laundry room finish the second level. Newer 3 zone heat/air. Realistically priced at $849,900

Voorhees Beautiful Custom Contemporary home in Sturbridge Estates located on a quiet cul-de-sac street with professional landscape grounds. This home has 4 bedrooms, 3 1/2 baths, 2 gas fireplaces and hardwood floors in foyer, living and dining rooms, kitchen and adjoining office. Finished basement with wet bar, 3 car garage, heated in ground pool with pattern concrete surrounding it. The kitchen has been remodeled with newer appliances, marble countertops, travertine stone wall backsplash thru out separate island with seating with granite countertop, large pantry closet and wine storage and butler’s pantry leads to dining room. First floor powder room has newer marble countertop, sink and marble walls. There is a large first floor home office, newer trex deck, newer 2 zone hvac system, 2 newer water heaters. Large trex deck off kitchen which leads to paver patio off deck. Mstr bath has been remodeled with travertine and marble and 2 hall baths have newer granite counter tops. This home has 2 staircases, security system, sprinkler system, outside landscape lighting, pool house and fenced yard. Realistically priced at $899,900

Medford Magnificent Custom Built Estate Home on 20 acres of wooded splendor nestled in the heart of Medford Township. Drive thru custom gates that open down the professionally landscaped EP-Henry paver winding driveway that brings you to this exquisite 5 bedroom, 5 1/2 bath Estate home. Beautiful landscape grounds surround this home and you enter this home into the 20’+ foyer and high ceilings and a curved staircase leading to the 3 upper level bedrooms with en-suite bathrooms. The gorgeous first floor Master Suite has his and hers master closets plus a mirrored dressing area, a large sitting area with fireplace and tray ceiling. The master bath has vaulted ceilings, his and her custom vanities, gigantic shower with steam shower with body sprays. There is a first floor study with custom built-in desk and cabinetry. Large formal dining room off the foyer with access to a wet bar and easy access to custom dream kitchen. The chef’s kitchen is truly one of kind with custom Amish cabi netry, stainless steel appliances, large center island with bar height seating and granite tops, 2 Thermador cooktops, Thermador double wall ovens and warming drawer, 2sinks, 2 Asko dishwashers, Sub-Zero refrigerator and a gorgeous breakfast room surrounded with views of the backyard . Off the kitchen there is a large butler’s pantry with an additional Sub-zero refrigerator and storage cabinets great for entertaining. There is an open staircase to the lower level with tile floor with radiant heat, beautiful temperature controlled wine room, there is a great bar for entertaining with refrigerator and dishwasher, pool table room with fireplace, huge theatre room with projection screen and theatre sound plus custom seating, full bathroom, additional bedroom and craft room. Attached 3 car garage with tile floor with radiant heat. The backyard will make you feel like your on a constant vacation with a large EP Henry paver patio, custom masonry wood burning fireplace and a built-in hot tub to help you relax. There is a separate detached 3 car garage which is fully air conditioned and would make a great mancave it has tiled flooring, half bath, elevator to gym room upstairs. It has 3 single garage doors on front and an additional 14’ high x 13’ drive thru garage door on the rear which is great for rv’s, and limos. This truly exquisite estate is a one of kind property! Realistically priced at 2,250,000.

The world according to STEVEN, NICOLE & JOSH…..

Now more than ever, EXPERIENCE counts… that is why you need to call our Aunt Anne because she has

the EXPERIENCE, COMMITMENT, PASSION & KNOWLEDGE to help you in selling or buying a home For all your Real Estate Needs, give our Aunt Anne a call today at 8567954709 A member of the franchise system of BHH Affiliates, LLC

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