Tag Archives: Armonk NY Realtor

Armonk NY Realtor

Mortgage rates average 3.65% | Armonk Real Estate

Freddie Mac (OTCQB: FMCC) today released the results of its Primary Mortgage Market Survey® (PMMS®), showing fixed mortgage rates unchanged from the previous week and remaining near their 2015 lows.

News Facts

  • 30-year fixed-rate mortgage (FRM) averaged 3.65 percent with an average 0.5 point for the week ending February 18, 2016, unchanged from last week. A year ago at this time, the 30-year FRM averaged 3.76 percent.
  • 15-year FRM this week averaged 2.95 percent with an average 0.5 point, unchanged from last week. A year ago at this time, the 15-year FRM averaged 3.05 percent.
  • 5-year Treasury-indexed hybrid adjustable-rate mortgage (ARM) averaged 2.85 percent this week with an average 0.4 point, up from last week when it averaged 2.83 percent. A year ago, the 5-year ARM averaged 2.97 percent.

Average commitment rates should be reported along with average fees and points to reflect the total upfront cost of obtaining the mortgage. Visit the following link for theDefinitions. Borrowers may still pay closing costs which are not included in the survey.

Attributed to Sean Becketti, chief economist, Freddie Mac.

“After another week of financial market oscillations driven by rumors of potential limits on oil production, the 10-year Treasury yield edged up 5 basis points, and the 30-year mortgage rate remained unchanged at 3.65 percent. Despite this week’s uptick in Treasury yields, the 10-year is still 54 basis points lower than it stood at the end of 2015, while the mortgage rate has dropped only 36 basis points over the same period.”




Bidding wars return to home market | Armonk Real Estate

Christina and Kevin Dirks have been searching for a house in the Denver area for four months at prices up to $275,000. They made offers on six homes—and were outbid on each one.

“When we first started looking, you had to pay $10,000 over” list price to win the bidding, Ms. Dirks said. “Then, as the weeks went by, it went up to $20,000. And now it’s up to $30,000 and $40,000.”

Ms. Dirks, a 28-year-old office coordinator, said she and her husband, a 30-year-old merchandiser, hope that as the market slows down this winter, “people will put a halt on being so crazy.”

Bidding wars, a hallmark of last decade’s housing boom, are making a comeback in a number of metro areas across the U.S. But while the earlier wars reflected enthusiasm fueled by easy-money mortgages, the current froth stems from a market short of homes for sale.

The reasons for the scant supply are myriad, including a much-slower-than-expected recovery in home construction. Yet an equally significant problem is that millions of people aren’t listing their homes for sale because they suspect they can’t qualify for a new mortgage, can’t afford the costs associated with a sale or fear that they won’t prevail in the scrum for the few houses available.

At the end of May, there were 2.3 million existing U.S. homes for sale, enough supply to last 5.1 months at the current sales pace. That is below the six to seven months of supply that the National Association of Realtors says is needed for a balanced market.

But in more than one-third of the 300 largest metropolitan areas tracked by Realtor.com, homes listed for sale in June had been on the market for a median of less than two months. A low median figure indicates rapid turnover in inventory as demand for homes exceeds supply.

Those include big markets like San Francisco, with a median time on market of 27 days, and Dallas at 38 days, as well as smaller markets like Vallejo, Calif., at 26 days and Kennewick, Wash., at 36 days.

The tightest market in June was Santa Rosa, Calif., a relatively affordable Bay Area suburb, where the median time a home was on the market was 24 days.

In those markets with limited supply, bidding wars tend to push prices higher, creating price bubbles. According to Realtor.com, the $580,000 median listing price in Santa Rosa is up nearly 10% from a year ago. That handily outpaces the national average increase in resale prices, which the National Association of Realtors calculates at 7.9%. Realtor.com is operated by Move Inc., which like The Wall Street Journal is owned by News Corp.

The low supply of homes reflects a reluctance or inability of owners to sell their current house or apartment and trade up to their next, often larger, one. Some remain skittish about the economy, their own finances or their ability to qualify for a mortgage. Others can’t sell because they are underwater, meaning they owe more on their mortgages than the homes are worth.

Even though U.S. home prices are up 31% in the past five years, 15.4% of homes—an estimated 7.9 million—remained underwater in the first quarter, according to real estate website Zillow. The long term average is 3% to 5%, Zillow says. These owners can’t sell unless they have thousands, sometimes tens of thousands, of dollars on hand to pay the shortfall on their old mortgage and finance costs of selling and moving.

Another pressure on housing inventories is growth in U.S. household formation. The U.S. added roughly 1.5 million households in the first quarter from a year earlier, though almost all were formed by renters.


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Local Farmers Markets | Armonk NY Homes



Fresh Fish & Bread Return Full-time at Tarrytown Farmers Market;
Recycle Sack Program Begins in Ossining;
Chef Maria Reina Hosts Cooking Demo in Croton-on-Hudson + MORE

August 7-13th, 2014

What’s New, In Season, and On Sale This Week
$1 OFF Round Soaps
Regularly $4 each; now $3!

Sisters Wicked Good Soap

$2 OFF purchase of 5 products Select from chuneys & frozen
kofta, saag, samosa, & rajama

Bombay Emerald Chutney Co.

Taliaferro Farm

Blueberry Honey
Honeybrook Farms

Gajeski Produce
Mead Orchards

Almond, Chocolate, & Traditional
Wave Hill Breads

Fishkill Farm

Taliaferro Farm

Fishkill Farm

Fishkill Farm

Honey in the Rough
Honeybrook Farms

Just Crust Chips and
Rustic Croutons

Garlic, Naked & With a Kick
$0.50 OFF/bag this weekend!

Wave Hill Breads

Kabuchi Squash
Gajeski Produce

Monkey Bread
Wave Hill Breads

Alex’s Tomato Farm
Mead Orchards
Migliorelli Farm

Mead Orchards


Taliaferro Farm

Fishkill Farm
John D. Madura Farm
Migliorelli Farm
Rexcroft Farm
Wright Family Farm

Shawungunk Honey
Honeybrook Farms

Spring Meadow Honey
Honeybrook Farms

Summer Squash Ravioli
Made w green & yellow squash, roasted red peppers, tomatoes, &
onions – all from Newgate Farm
Trotta Pasta

String Beans
Gajeski Produce

Alex’s Tomato Farm

Click on a Market to see all vendor and event details…




8:30 am-1:00 pm


8:30 am-1:00 pm


9:30 am-3:00 pm


9:00 am-2:00 pm


8:30 am-2:00 pm

Spring Valley

8:30 am-3:00 pm

Tarrytown/Sleepy Hollow

8:30 am-1:00 pm

New Rochelle

8:30 am-2:30 pm

Headed to the city soon?

Visit a Down to Earth
Farmers Market in NYC!

New Rochelle – Friday, August 8th

Only TWO chances left to meet a Rockstar (under age 9, that is…)! The Beth El Day Camp Rockstars, girls ages 7 and 8, will serve as Food Ambassadors to New Rochelle’s Down to Earth Farmers Market tomorrow and Friday, August 15th. Between the hours of 11 am and 1 pm, you can find the girls with their latest recipe made from fresh market ingredients. Tomorrow they’ll feature FRUIT KABOBS. They make the recipe and offer free samples – and free recipe cards – for everyone to recreate it at home. See you there!

Ossining – Saturday, August 9th

Recycle Sack: With the goal to eliminate plastic bags from the farmers market, this Saturday, the market manager in Ossining will begin accepting donations of clean, reusable shopping bags that people would like to drop-off. The donated bags will be offered to customers as an alternative to plastic bags for their market purchases. For each bag donated, customers can enter to win a $25 gift certificate for the market, and a winner will be drawn every 2 weeks!

Croton-on-Hudson: Sunday, August 10th

Chef Maria Reina of Bella Cucina Maria will host a free cooking demo from 11:30 am-1:30 pm. She creates healthy, seasonal dishes with fresh ingredients from the market. She has a wonderful recipe for this week that features pasture-raised eggs and peppers, but that’s the only hint we’ll give for now. Stop by to sample her dish and gain new ideas for cooking from the market!

For additional events, visit our Down to Earth Markets Event Calendar.

Stay tuned to all market happenings via our Down to Earth Markets Facebook page
and follow us on Instagram and on Twitter @DowntoEarthMkts.

Feed Your River: How Riverkeeper and Down to Earth Markets Are Teaming Up
to Support Local Food and Clean Water
by Jeremy Cherson of Riverkeeper
Hudson Sunset
Hudson River sunset as seen by the
Ossining waterfront

Riverkeeper, New York’s clean water advocate, and Down to Earth Markets are teaming up this summer and fall to present the Feed Your River Series, a partnership between neighbors to promote local food and the importance of clean water. The first event takes place this Saturday, August 9th, when Riverkeeper will appear at the Ossining Farmers Market to discuss our latest initiatives with market customers.

Did you know that over 100,000 New Yorkers get their drinking water directly from the Hudson River? Another 8 million New Yorkers depend on the good health of the Catskills for their drinking water supply.

Come visit Riverkeeper at these Down to Earth Farmers Markets:

8/9: Ossining Farmers Market
8/16: Tarrytown Farmers Market
8/31: Piermont Farmers Market
9/7: McGolrick Park Farmers Market (Brooklyn)
9/7: Park Slope Farmers Market (Brooklyn)
10/11: Morningside Park Farmers Market (Manhattan)

The connection between clean water and healthful food is readily apparent for our friends at Down to Earth Markets. Their farmers markets bring the finest produce of the Hudson Valley and surrounding area to the people of the metro region.

Farmers in the Catskills and Hudson Valley rely on clean, plentiful water to provide us with nutritious food. Supporting farmers at a Down to Earth Market helps farms within the NYC watershed stay in business and thrive. Ultimately, stewardship of farmland is an important component of maintaining water quality on the Hudson and its tributaries.

Riverkeeper will be featured at select Down to Earth Markets throughout the estuary to engage communities about the importance of protecting the Hudson River and our drinking supply. Stop by the learn about our ongoing campaigns to stop dangerous oil shipments down the Hudson, prevent the raid of clean water funds to finance the Tappan Zee Bridge, and keep fracking waste off New York roads. Everyone can make an impact. Find out how by visiting Riverkeeper at your favorite Down to Earth Farmers Market.

Riverkeeper relies on extraordinary heroes like you to raise the red flag and educate the public on threats to our river. We need you to join our volunteer team to help the Feed Your River Series thrive and grow. Click here to join our outreach and education volunteer team. See you at the markets!

Rotating* Vendors This Week
*Vendors who rotate through various markets during the season.
They enjoy getting to know many communities, and here’s where to find them this week:

New Rochelle – Friday, August 8th

Trotta Foods (Locally sourced Italian specialties)

Larchmont – Saturday, August 9th

Bombay Emerald Chutney Company
Calcutta Kitchens
Flourish Baking Company
Trotta Foods (Locally sourced Italian specialties)

Ossining – Saturday, August 9th

Bombay Emerald Chutney Company
Hudson River Apiaries
Sisters Wicked Good Soap

Tarrytown – Saturday, August 9th

Tuthilltown Spirits Farm Distillery

Piermont – Sunday, August 10th

Simple Eats with Chef T
#Freedom Craft Brewery

Rye – Sunday, August 10th

Bombay Emerald Chutney Company
Kontoulis Family Olive Oil
Trotta Foods (Locally sourced Italian specialties)
Tuthilltown Spirits Farm Distillery

Sacramento home sales still hot, but not burning | Armonk Homes


As a region, Sacramento still ranks in the top 10 in the nation for turning over home inventory, but as other metrics have also shown, sales are quite a bit slower than a year ago.

According to rankings compiled by Trulia, 45 percent of all homes for sale in the region have been on the market for two months or more, good enough for ninth nationally. The figure was 41 percent a year earlier, when Trulia noted both investor buys and rapid price appreciation fueled by bidding wars were much more common, making the market that much more active.

The slight cool down, only 4 percent below a year earlier, reflects mostly more inventory on the market, which is still a sellers’ market overall, according to Trulia.

By comparison, in Virginia Beach, Va., 72 percent of homes on sale now were also on the market two months ago.

Of the overall list, every city above Sacramento was on the West Coast and almost all on or near the Pacific Ocean, with Denver, at fourth, the only exception.

In Oakland, which topped the list, 29 percent of the homes on the market had been there two months or longer, and asking prices were 22.7 percent higher than a year earlier. Sacramento asking prices have risen by 22.2 percent, according to Trulia figures.




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Lack of confidence weighs on housing | Armonk NY Homes

Consumers are still wading through the lingering effects of the financial crisis and lacking the confidence needed in the economy to move forward. And as long as consumer spending is lagging on the personal shopping front, homebuying is going to remain out of the question for many families.

This year’s Black Friday shopping failed to kick-start the shopping season with a boom. In fact, retail spending fell for the first time in at least seven years over the Thanksgiving weekend.

Consumers racked up $59.1 billion in purchases in 2012, compared to only $57.4 billion this year, as hyped-up deals and bargains failed to lure in shoppers, the National Retail Federation said.

The good news is that while consumers are not so confident right now, they are de-leveraging debts carried from the pre-crisis days — a potential breakthrough for the housing market.

“Our findings suggest that the consumer de-leveraging experienced since the financial crisis will trough in the next year or two, driven by improved mortgage credit availability and better consumer demand,” Paul Miller, a managing director at FBR Capital Markets, said.





Case Study: Advanced Content Marketing | Armonk Realtor

Case Study- Advanced Content Marketing

Content is a two syllable word that has become an online marketing strategy.  Its impact has far reaching effects that belies its verbal simplicity. It  influences search engine results, drives online engagement and can create brand  awareness at velocity when it goes viral.

With Google’s recent updates, the role of content has increased in priority.  The search giant is now rewarding sites with higher rankings that offer unique  content that delivers a quality user experience.

This means that progressive brands need to become publishers and not just  advertisers. Advanced content marketing is a human and creative art form with  soul enabled by technology and process driven. It is multi-media content at  scale that leverages a brand’s reach that is efficient and amplified.

Is corporate media getting better than mainstream media?

In a recent article on the Hubspot blog, Dan Lyon poses an intriguing question.

Is corporate media getting  better  than mainstream  media?”

He then cites examples of Microsoft, General Electric and Google who are  using both technology and their great content archives to “out publish” existing  traditional media companies.

I think that in some cases he may be right.

Today’s companies do have the technology and platforms to go it alone. They  often have the marketing CRM’s, databases, access to vast libraries of content  and the technology to make a traditional newspaper brand look bland.

Marketing and publishing has been democratized

Technology changes have put the power in the users hands. Companies don’t  need to understand how to use a printing press.

  • Want to publish. Launch a blog
  • Need to design and create an online magazine. Hire a designer, assign an  editor and writer and create your brand magazine using Photoshop.
  • Have the impulse to shoot a video. Buy a $1,000 video camera, create a video  and upload it to YouTube
  • Feel the motivation to market. Amplify your content to your Facebook and  Twitter fans and followers

Should some advertising dollars be moved to publishing?

Companies such as Red Bull are moving their spending from advertising to  publishing. They are also about creating “conversations around the  brand” not “about” the brand. This means creating content that has  heart and soul of the brand embedded but not mentioned.

No-one wants to talk about the drink but the lifestyle that revolves around  the brand image.

Advanced content marketing case study:  Lorna Jane

Lorna Jane is an “activewear” label for women that has been around for over  20 years. The brand is about fitness and fashion for women. They have embraced  the the strategy of advanced content marketing.

Their aim “to inspire women to live their best life through active  living”. Their mantra and mission is based upon a three pillared philosophy  of:

  • Move
  • Nourish
  • Believe

Lorna Jane is not simply a clothing label, it is a way of life”. They are about fitness and a healthy lifestyle.

Lorna Jane’s marketing is not about talking about its product but being a  publisher. The heart and soul is about creating conversations around the  brand.

Jessie Dean, the Digital Marketing Manager at Lorna Jane has a team that  includes:

  • Social media specialist
  • Social media coordinator
  • Editor of “Move Nourish Believe”

They have also created a separate and secondary brand that is about the  lifestyle and mission that is core to the Lorna Jane message.




Read more at http://www.jeffbullas.com/2013/11/27/case-study-advanced-content-marketing/#CgUbpkk6o1KJEJiZ.99

How to Dramatically Increase Pageviews on Your Website | Armonk Homes

One of the most perplexing problems when it comes to starting an e-commerce company is: how do you get people to visit your new site? Even when you have trendy graphics and great content, you suddenly enter a vast megaverse of competing sites. Fight the temptation to start outright paying for the clicks via Web ads. There are low-cost ways to increase views on any site for any business.

I checked in with several search engine experts to find out the latest techniques to draw attention to a new company site. This is a two-part story. The experts offered their best suggestions on making sure your site is listed at a top position on Google and other search engines. For many of these tips, I’ll implement them on a test site and report back on the results over a period of a few months.

1. Focus on keywords, title tags, and headers. Most of the grunt work for increasing pageviews falls on your dev team and the formatting of pages. Ryan Turner, the co-owner of the Web design company 3Prime, told me you have to do the hard work of searching for keywords in your industry (using tools like the Google Keyword Planner). Each page has a URL, title tag, and header tags (like H1). These should all include the keywords.

“Get specific by making the keywords three to four words long,” Turner says. “Once you have your keywords, make sure you have one great page for each keyword.”

Brandon Howard, the owner of the Web services company Allmywebneeds.com, suggests creating one specific landing page on your site for each keyword. So, for example, a party supply company might create a page each for balloons, wrapping paper, posters, etc. “You want the landing page to load quickly, be graphically appealing, and allow the user to quickly find what they are looking for,” he says.

2. Create vanity linkbait. This one is slightly controversial, depending on your industry. But I’ve also seen firsthand how this can work. Russ Jones, the CTO of Web marketing company Virante, told me the basic idea is to create pages that are targeted at specific influencers and high-profile experts. Here’s an example: Let’s say your start-up wants to create content around the topic of business plans. One approach would be to create a page with a top 10 list of famous business plans, using strategic keywords and tags. Then, you’d start a social network campaign where you let the influencers at those companies know about the link.

The key, says Jones, is to keep repeating this over and over again to increase traffic. But don’t forget: the content has to be interesting as well.

3. Focus on YouTube as much as Google. Alex Genadinik, the founder of business plan app Problemio, told me YouTube can be a goldmine–it’s essentially the second biggest “search engine” in the world next to parent company Google. Every company should have at least one YouTube Channel, filled to the brim with SEO terms and links.

“YouTube is the most versatile tool in your marketing arsenal,” he says. “It is easier to rank on YouTube than on Google, and YouTube videos tend to be more socially shared as well.”

The result? Genadinik says Google will parse the YouTube content and the crosslinks will drive more traffic to your site. My favorite example: a friend of mine runs a small business almost entirely from the traffic he gets from one YouTube video.

4. Do way more blogging. One of the secrets to increasing pageviews is to have more incoming links, which Google uses to help rank your site. When you write posts on other sites and you link back to your company site, it pumps life into your SEO, says Nora Leary, an Account Supervisor at digital marketer Uplifted. Leary says social media activity has a similar effect–links on Twitter and Facebook help people find the site but they also create linkbacks that improve search engine ranking.

5. Don’t forget about email marketing. Maybe you already know how to use MailChimp and have an active email marketing campaign. Still, it’s easy to forget how valuable an email campaign is for increasing pageviews. “Emails that reach your customers directly and keep providing points of interest will tempt users back to the site,” says Catherine Gluckstein, the president of SumAll, a business-centric social media manager. “For example, LinkedIn does this very well with their targeted emails about who has recently looked at your profile, or top newsmakers you may wish to follow.” Often your customers need just a quick prompt to return. But always remember to offer some real value.