https://www.spreaker.com/podcast/berger-points-broadcast--6854334
My BROKERS are: Justin Phillips at United Real Estate NY & Don Heisler with Sea Wind Realty FL]]>enBusinessCopyright Berger Points Broadcasthttps://d3wo5wojvuv7l.cloudfront.net/t_rss_itunes_square_1400/images.spreaker.com/original/6f6b3c49b6ad0ef9071f13c6908f19ef.jpghttps://www.spreaker.com/podcast/berger-points-broadcast--6854334Mon, 20 Jul 2026 18:04:35 +0000Chris BergerChris Bergerenergyequation7@gmail.comHi! I'm Chris Berger and I'm sharing my 40+ years experience as an NY & FL agent, home renovator, property manager. I'm a Grandad, Dog Lover. Concert Goer & BIG Yankees Fan! My BROKERS are: Justin Phillips at United Real Estate NY & Don...
My BROKERS are: Justin Phillips at United Real Estate NY & Don Heisler with Sea Wind Realty FL]]>falseepisodichttps://www.spreaker.com/episode/foreclosure-vs-short-sale-the-differences--72740204
So what exactly does that mean?

Well, pretty much everyone knows what a foreclosure is. That’s something where the banks — who held a mortgage on the property — have the ability to collect that mortgage and foreclose on the property and title now belongs to the bank.

That’s very important because when a foreclosure happens and the bank has the title that means when you buy it you get a clear title.

Now, I wanted to tell you a little bit about a short sale because that’s the complicated one and that’s something you should be aware of.

When you are thinking about looking at a home that is in a short sale situation, chances are it will be listed and programmed in the MLS as being a short sale.

What does that mean? Discover more about short sales and foreclosures by listening to this short Berger Point!

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com


Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/72740204Mon, 20 Jul 2026 18:02:49 +0000Chris BergerYou know, people talk about buying foreclosures or buying a short sale. So what exactly does that mean? Well, pretty much everyone knows what a foreclosure is. That’s something where the banks — who held a mortgage on the property — have the ability...
So what exactly does that mean?

Well, pretty much everyone knows what a foreclosure is. That’s something where the banks — who held a mortgage on the property — have the ability to collect that mortgage and foreclose on the property and title now belongs to the bank.

That’s very important because when a foreclosure happens and the bank has the title that means when you buy it you get a clear title.

Now, I wanted to tell you a little bit about a short sale because that’s the complicated one and that’s something you should be aware of.

When you are thinking about looking at a home that is in a short sale situation, chances are it will be listed and programmed in the MLS as being a short sale.

What does that mean? Discover more about short sales and foreclosures by listening to this short Berger Point!

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com


Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>190agent,bank,broker,buying,contract,definition,estate,explanation,foreclosure,foreclosures,listing,loan,mortgage,owned,real,realtor,sale,selling,short,zillowfalsefullhttps://www.spreaker.com/episode/more-square-footage-gives-you-more-options-when-buying-a-property--72740203
What we did find, the last home that we looked at was close to 2,000 square feet and a much more poorer state than the one in 1,600 square feet.We talked about space because space is so important.

Regardless of what it looks like now, think about what it can become!  That’s so important. 

So, this particular house that we looked at actually changed the washer and dryer from downstairs to upstairs.

So, if you see a house that has a washer and dryer downstairs you don’t like it remember this —- you can change it!

Listen to this short Berger Point to discover why extra space can mean a big pay off down the line!

-------------------------

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/72740203Mon, 20 Jul 2026 17:58:46 +0000Chris BergerYou know, recently I was out with a client and we were looking at different properties around 1,600 square feet. What we did find, the last home that we looked at was close to 2,000 square feet and a much more poorer state than the one in 1,600...
What we did find, the last home that we looked at was close to 2,000 square feet and a much more poorer state than the one in 1,600 square feet.We talked about space because space is so important.

Regardless of what it looks like now, think about what it can become!  That’s so important. 

So, this particular house that we looked at actually changed the washer and dryer from downstairs to upstairs.

So, if you see a house that has a washer and dryer downstairs you don’t like it remember this —- you can change it!

Listen to this short Berger Point to discover why extra space can mean a big pay off down the line!

-------------------------

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>171agent,attorney,basement,broker,buying,contingencies,estate,extra,footage,home,house,negotitate,options,property,real,renovations,room,selling,square,valuefalsefullhttps://www.spreaker.com/episode/what-s-highest-best-in-real-estate-how-to-make-it-even-better--72740202
What does the highest and best offer actually mean?

Well, to the seller, okay, they are looking for their best possible price that they can get.And for the buyer, they’re now considering to put their best foot forward.

Whereas if you go back 20 years in the old days, you know, there was some negotiation that went on and there was trust built between the buyer agent and the selling agent.

So with this highest and best thing sometimes agents were sort of going blind.

For example, a house is 500,000, it’s been on the market for 30 days the agent is now asking for highest and best because they have multiple offers.

So they might have offers of $498,000, $495,000, $505,000, $510,000, but the agent is now putting out there for all the people who have made offers to go the highest and best.

Okay. How do you do that? -- Listen to the rest of this short Berger Point to discover more!

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/72740202Mon, 20 Jul 2026 17:49:34 +0000Chris BergerYou know, recently over the last couple of years, and I’ll say since COVID, all of a sudden we’re hearing the highest and best offer. What does the highest and best offer actually mean? Well, to the seller, okay, they are looking for their best...
What does the highest and best offer actually mean?

Well, to the seller, okay, they are looking for their best possible price that they can get.And for the buyer, they’re now considering to put their best foot forward.

Whereas if you go back 20 years in the old days, you know, there was some negotiation that went on and there was trust built between the buyer agent and the selling agent.

So with this highest and best thing sometimes agents were sort of going blind.

For example, a house is 500,000, it’s been on the market for 30 days the agent is now asking for highest and best because they have multiple offers.

So they might have offers of $498,000, $495,000, $505,000, $510,000, but the agent is now putting out there for all the people who have made offers to go the highest and best.

Okay. How do you do that? -- Listen to the rest of this short Berger Point to discover more!

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>210and,berger,best,broker,buying,deal,estate,highest,home,house,listing,negotiating,ny,offer,points,property,real,realtor,selling,zillowfalsefullhttps://www.spreaker.com/episode/timing-is-everything-april-may-june-you-want-to-buy-and-sell-during-these-months--72740021
Well, traditionally April, May and June has been the listing time for sellers to put the home on the market. Why is that?


Well, both buyers and sellers — they’re looking to place their children in school by September.



So that has always been the critical time here in the New York area, in the Hudson Valley region.

So with this particular time frame between April and let’s say July 1st, the incentive is on both sides.

So that’s why the buyers and the sellers are more on the aggressive side because they want to consummate the sale.

So that everybody can get on with their lives and keep it as normal as possible.

Now again, what happens during the winter?

Well, you very well know that things slow down. Houses don’t sell as much and that’s the quiet time

So, my advice to you is that put your best foot forward during this April to July period and talk to your agent.

Put out the best price that you feel comfortable with and make the deal so you can move on…

Because looking back, you will be glad that you sold the house and you didn’t have to get that extra $3,000 or $4,000.  That’s my point.





Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/72740021Mon, 29 Jun 2026 14:16:19 +0000Chris BergerYou know, I wanted to speak to you a little bit about the timing of a sale, and why is that important? Well, traditionally April, May and June has been the listing time for sellers to put the home on the market. Why is that? Well, both buyers and...
Well, traditionally April, May and June has been the listing time for sellers to put the home on the market. Why is that?


Well, both buyers and sellers — they’re looking to place their children in school by September.



So that has always been the critical time here in the New York area, in the Hudson Valley region.

So with this particular time frame between April and let’s say July 1st, the incentive is on both sides.

So that’s why the buyers and the sellers are more on the aggressive side because they want to consummate the sale.

So that everybody can get on with their lives and keep it as normal as possible.

Now again, what happens during the winter?

Well, you very well know that things slow down. Houses don’t sell as much and that’s the quiet time

So, my advice to you is that put your best foot forward during this April to July period and talk to your agent.

Put out the best price that you feel comfortable with and make the deal so you can move on…

Because looking back, you will be glad that you sold the house and you didn’t have to get that extra $3,000 or $4,000.  That’s my point.





Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>118agent,april,area,buyers,children,estate,home,hudson,june,listing,market,may,new,real,school,sellers,september,time,valley,yorkfalsefullhttps://www.spreaker.com/episode/why-a-gravel-apron-is-your-best-protection--72425548
Aesthetically it looks much better, of course .Second it’s reasonable in price and third it provides outstanding drainage.

So when the water from rain or your gutters you know overhang it and they’re leaking a little bit well the water hits the gravel it dissipates into the ground a hundred percent better rather than if it was just dirt. It would just pool itself.

The water builds up and then finds the cracks in your foundation which generally is on the ground and seeps into your basement and causes all kinds of problems.

Generally , people like gravel.

However they also choose mulch which might might be in color black or red and the reason that they choose mulch is that it’s aesthetically very pleasing and the companies do treat the mulch with different types of chemicals to repel the bugs.

So you’re safe there.
However, never use wood chips.


Wood chips attract mice. It attracts all kinds of vermin. The groundhogs love it and it just doesn’t work.I invite you to take a look and see the gravel.

LISTEN FOR ALL THE GREAT POINTS! 

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/72425548Mon, 08 Jun 2026 22:10:04 +0000Chris BergerYou know, recently we decided on this flip house to put a border of gravel around the whole foundation because that does more than a couple of things. Aesthetically it looks much better, of course .Second it’s reasonable in price and third it...
Aesthetically it looks much better, of course .Second it’s reasonable in price and third it provides outstanding drainage.

So when the water from rain or your gutters you know overhang it and they’re leaking a little bit well the water hits the gravel it dissipates into the ground a hundred percent better rather than if it was just dirt. It would just pool itself.

The water builds up and then finds the cracks in your foundation which generally is on the ground and seeps into your basement and causes all kinds of problems.

Generally , people like gravel.

However they also choose mulch which might might be in color black or red and the reason that they choose mulch is that it’s aesthetically very pleasing and the companies do treat the mulch with different types of chemicals to repel the bugs.

So you’re safe there.
However, never use wood chips.


Wood chips attract mice. It attracts all kinds of vermin. The groundhogs love it and it just doesn’t work.I invite you to take a look and see the gravel.

LISTEN FOR ALL THE GREAT POINTS! 

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>198agent,and,around,border,broker,buying,decided,estate,fix,flip,foundation,fsbo,gravel,house,investing,listing,real,realtor,selling,wholefalsefullhttps://www.spreaker.com/episode/use-an-agent-or-go-fsbo-here-s-the-smart-answer--72264212Well he has a number of obstacles that he has to overcome and the primary obstacle is pricing the home correctly.How do you do that?


Well, one thing that a realtor does provide, it’s called a CMA, or a Comparative Market Analysis.And that will show the homes in the area that have sold over the last six months.

For example, you have a three bedroom, two bath house, acre property, roughly selling for about $400,000.

Well, if that homeowner in the FSBO is pricing his home at $450,000, people are going to wonder.If they’re selling at $350,000, people are going to wonder because what’s wrong with the house?
So he’s quite in between.


So that’s why an agent can provide a CMA, extremely important.Now, the second obstacle for a FSBO is, of course, marketing.

Well, just putting a sign up is not going to do it.

So, what the homeowner has to do — they have to advertise and go through the jumps and putting it on all the platforms on the internet so that hundreds of thousands of people see it.

Not just a thousand or five hundred you have to draw a bigger audience and perhaps the third and most damaging objection is actually negotiating the property — Because I know myself —

I sold my house and I was the listing agent for the house and it came time for negotiations — it’s sort of you know, spurred my anger a bit because what the agent was telling me was certainly justified, but I didn’t like it.

However, you have to overcome that and sell the house! And that’s my point.

Get yourself an agent because the bottom line is they will sell it for you quicker, get you a better price and in the long run you’ll be a lot better off.

That’s my point!     

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/72264212Mon, 08 Jun 2026 21:58:36 +0000Chris BergerYou know recently I was driving by and I saw a for sale by owner sign and I’m looking at the property and I’m trying to figure out why that owner decided to go and sell the property on his own. Well he has a number of obstacles that he has to overcome...Well he has a number of obstacles that he has to overcome and the primary obstacle is pricing the home correctly.How do you do that?


Well, one thing that a realtor does provide, it’s called a CMA, or a Comparative Market Analysis.And that will show the homes in the area that have sold over the last six months.

For example, you have a three bedroom, two bath house, acre property, roughly selling for about $400,000.

Well, if that homeowner in the FSBO is pricing his home at $450,000, people are going to wonder.If they’re selling at $350,000, people are going to wonder because what’s wrong with the house?
So he’s quite in between.


So that’s why an agent can provide a CMA, extremely important.Now, the second obstacle for a FSBO is, of course, marketing.

Well, just putting a sign up is not going to do it.

So, what the homeowner has to do — they have to advertise and go through the jumps and putting it on all the platforms on the internet so that hundreds of thousands of people see it.

Not just a thousand or five hundred you have to draw a bigger audience and perhaps the third and most damaging objection is actually negotiating the property — Because I know myself —

I sold my house and I was the listing agent for the house and it came time for negotiations — it’s sort of you know, spurred my anger a bit because what the agent was telling me was certainly justified, but I didn’t like it.

However, you have to overcome that and sell the house! And that’s my point.

Get yourself an agent because the bottom line is they will sell it for you quicker, get you a better price and in the long run you’ll be a lot better off.

That’s my point!     

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>168agent,broker,buying,by,diy,estate,financed,for,fsbo?,home,house,investing,listing,loans,management,owner,property,real,sale,sellingfalsefullhttps://www.spreaker.com/episode/why-lawyers-are-so-important-to-the-disclosure-process--72140067
Basically, on this disclosure document they have to put material facts that are wrong with the house and everybody is pretty much open with it.

But sometimes things can get hidden and sometimes the seller is not even aware of it until the inspection is actually made.

And let’s give an example of a material fact….

Well, a buried oil tank is a material fact, something you can’t hide.

It has to be remedied. Most buyers will demand before you sell your house.

And there’s a number of ways of doing that. It can be filled in with sand. It also, for the most part, is removed.

But getting back to the material fact, that has to be placed in the disclosure form.

Now, it was pointed out to me and you really should set the tone as a seller right from the beginning — to set up an appointment with your attorney — because you already have a real estate attorney and a real estate attorney is familiar with these forms.

You sit down with him and you tell him what you need to disclose by doing this.

You protect yourself so…

That’s my point.

https://bergerpoints.com


Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/72140067Thu, 28 May 2026 19:23:36 +0000Chris BergerYou know, recently I was discussing with my client who was selling their house the disclosure document that they have to fill out. Basically, on this disclosure document they have to put material facts that are wrong with the house and everybody is...
Basically, on this disclosure document they have to put material facts that are wrong with the house and everybody is pretty much open with it.

But sometimes things can get hidden and sometimes the seller is not even aware of it until the inspection is actually made.

And let’s give an example of a material fact….

Well, a buried oil tank is a material fact, something you can’t hide.

It has to be remedied. Most buyers will demand before you sell your house.

And there’s a number of ways of doing that. It can be filled in with sand. It also, for the most part, is removed.

But getting back to the material fact, that has to be placed in the disclosure form.

Now, it was pointed out to me and you really should set the tone as a seller right from the beginning — to set up an appointment with your attorney — because you already have a real estate attorney and a real estate attorney is familiar with these forms.

You sit down with him and you tell him what you need to disclose by doing this.

You protect yourself so…

That’s my point.

https://bergerpoints.com


Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>125a,attorneys,buying,disclosure,estate,home,lawyers,listings,management,property,real,selling,yourfalsefullhttps://www.spreaker.com/episode/when-an-attorney-messes-up-a-real-estate-deal--71689427
You know, I attended a meeting today of real estate agents and it really came to my attention how important the real estate attorneys are to the sale of both the buyer and the seller.

And what do I mean by that?

Well, I learned a long time ago, 25 years now, that an attorney can be a deal maker or a deal breaker.

Going through the process of buying and selling a home is emotional enough.

And then when you have an outside attorney monitoring everything, you really need their help.
You need their guidance.

But sometimes attorneys, if they’re not really experienced in real estate transactions, they’re not the best to go to.

So what I suggest is that your listing agent and or buying agent will have generally five or six attorneys that you can choose from.

So choose one of them because they’re familiar with the real estate process.
And that’s so important.

They speed things up to save you money.

They make things easier when there’s problems because they have experience doing that.

Again, a quick story — maybe ten years ago — I had a buyer very interested in buying this house and it was already sold or in contract.

Well, the deal fell apart and we sort of stayed with it and then I found out why the deal fell apart.
The owner — this is a true story — the owner was actually an attorney, and he messed up the whole deal because he was so emotionally involved, and it just didn’t work out.

So he got his best friend to do the job for him, and we went in, consummated the deal, and all parties were extremely happy.

That’s my point.

https://bergerpoints.com




Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/71689427Thu, 28 May 2026 19:19:44 +0000Chris BergerWell, good evening, everybody. My name’s Chris Berger and it’s time for a Berger Point. You know, I attended a meeting today of real estate agents and it really came to my attention how important the real estate attorneys are to the sale of both the...
You know, I attended a meeting today of real estate agents and it really came to my attention how important the real estate attorneys are to the sale of both the buyer and the seller.

And what do I mean by that?

Well, I learned a long time ago, 25 years now, that an attorney can be a deal maker or a deal breaker.

Going through the process of buying and selling a home is emotional enough.

And then when you have an outside attorney monitoring everything, you really need their help.
You need their guidance.

But sometimes attorneys, if they’re not really experienced in real estate transactions, they’re not the best to go to.

So what I suggest is that your listing agent and or buying agent will have generally five or six attorneys that you can choose from.

So choose one of them because they’re familiar with the real estate process.
And that’s so important.

They speed things up to save you money.

They make things easier when there’s problems because they have experience doing that.

Again, a quick story — maybe ten years ago — I had a buyer very interested in buying this house and it was already sold or in contract.

Well, the deal fell apart and we sort of stayed with it and then I found out why the deal fell apart.
The owner — this is a true story — the owner was actually an attorney, and he messed up the whole deal because he was so emotionally involved, and it just didn’t work out.

So he got his best friend to do the job for him, and we went in, consummated the deal, and all parties were extremely happy.

That’s my point.

https://bergerpoints.com




Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>155advice,agent,and,attorney,broker,buy,buying,deal,estate,fix,flip,home,house,lawyers,listing,management,property,real,selling,tipsfalsefullhttps://www.spreaker.com/episode/the-process-of-an-all-cash-property-deal--71689398
You know, I wanted to talk to you a little bit about an all cash offer and what exactly that means and how the process takes place.Well, you know, you have a seller, they list the house, you have a buyer wants to buy your house.

Well, now, of course, the process is close to being the same as a mortgage.

However, there is a distinct difference.That being is that the closing generally will take less than 30 days.

So what’s the process and what does that mean?Well, after the offer and acceptance, the buyer has traditionally about seven days to do an inspection and they will do that even if it’s a cash offer.

So expect that, Mr. Seller.Now, in addition to that, once the inspection has been done, all right, what you both need to do as a buyer and as a seller is have a real estate attorney because they are experienced in closing these type of deals.

Now, at this point, after the seven days, the buyer will start a title search.

So they will contact a title search company.

The title search will research the background of the home because they will maintain and guarantee a clear title to the buyer.

So they make sure when they do the title search there’s no liens against it no previous mortgages things like that whole process will take about three weeks.

For the title search as well as doing the inspection now at this point the attorneys for the seller will set a closing date and the seller meets with the buyer, and they have their closing.

The check will be made out to the seller’s attorney.

The seller’s attorney will deposit the check and then distribute those monies to the seller, as well as any other people who are to receive checks during that transaction.

So that’s the advantage of an all-cash deal.I’ve been involved in several, and it’s great for the buyer and the seller.

That’s my point…

https://bergerpoints.com







Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/71689398Thu, 28 May 2026 17:20:45 +0000Chris BergerGood evening, everybody. My name is Chris Berger and it’s time for a Berger point. You know, I wanted to talk to you a little bit about an all cash offer and what exactly that means and how the process takes place.Well, you know, you have a seller,...
You know, I wanted to talk to you a little bit about an all cash offer and what exactly that means and how the process takes place.Well, you know, you have a seller, they list the house, you have a buyer wants to buy your house.

Well, now, of course, the process is close to being the same as a mortgage.

However, there is a distinct difference.That being is that the closing generally will take less than 30 days.

So what’s the process and what does that mean?Well, after the offer and acceptance, the buyer has traditionally about seven days to do an inspection and they will do that even if it’s a cash offer.

So expect that, Mr. Seller.Now, in addition to that, once the inspection has been done, all right, what you both need to do as a buyer and as a seller is have a real estate attorney because they are experienced in closing these type of deals.

Now, at this point, after the seven days, the buyer will start a title search.

So they will contact a title search company.

The title search will research the background of the home because they will maintain and guarantee a clear title to the buyer.

So they make sure when they do the title search there’s no liens against it no previous mortgages things like that whole process will take about three weeks.

For the title search as well as doing the inspection now at this point the attorneys for the seller will set a closing date and the seller meets with the buyer, and they have their closing.

The check will be made out to the seller’s attorney.

The seller’s attorney will deposit the check and then distribute those monies to the seller, as well as any other people who are to receive checks during that transaction.

So that’s the advantage of an all-cash deal.I’ve been involved in several, and it’s great for the buyer and the seller.

That’s my point…

https://bergerpoints.com







Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>166all,and,buying,cash,construction,deal,estate,fix,fixer,flip,investment,management,property,real,realtor,selling,surplus,upperfalsefullhttps://www.spreaker.com/episode/wet-basement-clean-the-gutters-here-s-why--72140068
You know, a lot of people aren’t even aware of the damage that gutters — or better said clogged gutters — can do to your house and how easy it is to remedy the situation.
So, when you’re going to look at a house or sellers, when you are selling a house, make sure your gutters are clean and working.

That’s easy to see because when it rains, if it doesn’t have a lot of debris where the downspout is, and that’s part of the gutter, where it comes down and meets the ground, that’s where the damage is caused by clogged gutters.

Because it’s clogged at the top, overfills, and then actually will seep into your basement.So I’m going to show you the remnants of that….

That’s exactly what happened to this house.

I’m going to show you a picture of the front gutter, but downstairs where it had been leaking and you can see the stain coming down.

However, after the gutter was cleaned it took about three or four days before the floor dried up.
However, if we stroll down to the back corner — what you’re gonna see is that the water is still there and it’s still wet so we took it yesterday because it was a good day to clean.

Actually it’s starting to dry up, but when you go and look for a house— look in the corners see if it’s dry see if it’s wet — it tells the difference tells your story.

This is the front of the house and it shows you it’s clean and as it comes down the water comes down and it’s still somewhat wet there and dripping.

However, the gutters are working and that’s why the basement has dried up down in the front corner.
So, let’s take a look at the back corner.

You have to keep those gutters clean and efficient.

And as the water comes down the downspout, it has to be pitched away from the house.

So we have some work to do on this because that’s why the water is seeping downstairs.

And the plan is to put some gravel around it so it’s drawn away from the house.

So that’s my point.

https://bergerpoints.com

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You know, a lot of people aren’t even aware of the damage that gutters — or better said clogged gutters — can do to your house and how easy it is to remedy the situation.
So, when you’re going to look at a house or sellers, when you are selling a house, make sure your gutters are clean and working.

That’s easy to see because when it rains, if it doesn’t have a lot of debris where the downspout is, and that’s part of the gutter, where it comes down and meets the ground, that’s where the damage is caused by clogged gutters.

Because it’s clogged at the top, overfills, and then actually will seep into your basement.So I’m going to show you the remnants of that….

That’s exactly what happened to this house.

I’m going to show you a picture of the front gutter, but downstairs where it had been leaking and you can see the stain coming down.

However, after the gutter was cleaned it took about three or four days before the floor dried up.
However, if we stroll down to the back corner — what you’re gonna see is that the water is still there and it’s still wet so we took it yesterday because it was a good day to clean.

Actually it’s starting to dry up, but when you go and look for a house— look in the corners see if it’s dry see if it’s wet — it tells the difference tells your story.

This is the front of the house and it shows you it’s clean and as it comes down the water comes down and it’s still somewhat wet there and dripping.

However, the gutters are working and that’s why the basement has dried up down in the front corner.
So, let’s take a look at the back corner.

You have to keep those gutters clean and efficient.

And as the water comes down the downspout, it has to be pitched away from the house.

So we have some work to do on this because that’s why the water is seeping downstairs.

And the plan is to put some gravel around it so it’s drawn away from the house.

So that’s my point.

https://bergerpoints.com

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You know, down through the years, probably one of the toughest decisions for a homeowner and buyer to make is when to move.

When is the best time to move and how do they coordinate it?

Well, I want to speak to the coordination of it and your alternatives.So if you are a seller, try to find a place to live that’s month to month.

So, if your house has been on the market for three months, two months, four months, it really doesn’t matter.

But if you have a place lined up that you can rent month to month until you buy your new home, that’s generally the place to go.


Conversely, see this works for the buyer as well.

So, if you’re sitting there and you want to buy a house and you’re looking around and your lease is up May 1st, we’ll talk to your landlord, get a month to month continuation of your lease.
This way the pressure is taken off of you so that if you have to wait another three or four months to close on your new house, then you wait, but you’re renting month to month.And by doing this again, all the pressure’s off.

So you’re not making those snap decisions.

And oddly enough, not enough people think about that where you’re pressured into making that decision and buying a house when you really don’t want to buy a house just yet.

And that’s my point.

https://bergerpoints.com

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You know, down through the years, probably one of the toughest decisions for a homeowner and buyer to make is when to move.

When is the best time to move and how do they coordinate it?

Well, I want to speak to the coordination of it and your alternatives.So if you are a seller, try to find a place to live that’s month to month.

So, if your house has been on the market for three months, two months, four months, it really doesn’t matter.

But if you have a place lined up that you can rent month to month until you buy your new home, that’s generally the place to go.


Conversely, see this works for the buyer as well.

So, if you’re sitting there and you want to buy a house and you’re looking around and your lease is up May 1st, we’ll talk to your landlord, get a month to month continuation of your lease.
This way the pressure is taken off of you so that if you have to wait another three or four months to close on your new house, then you wait, but you’re renting month to month.And by doing this again, all the pressure’s off.

So you’re not making those snap decisions.

And oddly enough, not enough people think about that where you’re pressured into making that decision and buying a house when you really don’t want to buy a house just yet.

And that’s my point.

https://bergerpoints.com

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So, people who owe taxes on the property are always looking to save money.Many times the answer is really not too far away.One of my favorite programs is really a farm program.

And what I mean by that is that if you have chickens on your property or if you have a couple of sheep or let’s say you have a beehive.
Well, a lot of people aren’t going to want sheep and a lot of people won’t want chickens, but they may want a beehive.

So, if you have a couple of acres available, I’ll show you what a beehive looks like.

And keep in mind that this particular client of mine has the beehive and claims it on his taxes, but the beehive is completely taken care of by an outsider.
They come in and do all the work and they take 50% of the honey.So, the homeowner gets 50%, my client, and they get 50% and they’re thrilled.

So, I’ll show you what the beehive actually looks like.Well, this is a beehive and the bees are busy.

They’re going in and out and well, they’re starting to get ready to do their work.And of course, the honey is made after the flowers bloom and it takes a few months.

As you can see, it’s really not obtrusive and you could be really placed at anywhere in your property where it’s out of the way and you’re not affected.But the honeybees are very happy.

So enjoy and get the tax deduction too.

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So, people who owe taxes on the property are always looking to save money.Many times the answer is really not too far away.One of my favorite programs is really a farm program.

And what I mean by that is that if you have chickens on your property or if you have a couple of sheep or let’s say you have a beehive.
Well, a lot of people aren’t going to want sheep and a lot of people won’t want chickens, but they may want a beehive.

So, if you have a couple of acres available, I’ll show you what a beehive looks like.

And keep in mind that this particular client of mine has the beehive and claims it on his taxes, but the beehive is completely taken care of by an outsider.
They come in and do all the work and they take 50% of the honey.So, the homeowner gets 50%, my client, and they get 50% and they’re thrilled.

So, I’ll show you what the beehive actually looks like.Well, this is a beehive and the bees are busy.

They’re going in and out and well, they’re starting to get ready to do their work.And of course, the honey is made after the flowers bloom and it takes a few months.

As you can see, it’s really not obtrusive and you could be really placed at anywhere in your property where it’s out of the way and you’re not affected.But the honeybees are very happy.

So enjoy and get the tax deduction too.

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You know, a lot of people wonder about the value of a good inspection of the home and when it should be performed.

Typically, the buyer always hires the inspector, so that inspection report is for the buyer’s eyes only.Now, it’s up to the buyer whether or not to share that and they usually do when they want to negotiate the price.

Now, when does the inspection come into place?Well, once an offer has been made to the seller and it’s been accepted, normally it takes about seven days to perform an inspection.

Why?

Because this allows the seller to know that the buyer is serious, and wants to move forward.What is the purpose of the inspection?

What is the inspector really looking for?

Well, typically in a 2,000 square foot home, you’re going to wind up paying $450 to $600 for the inspection.

The inspector will find many, many things wrong with the property.Sometimes it’s almost nitpicking because if the house is pristine, he’s got to offer something that you’re being charged with.

However, the red flags, what are the red flags that a buyer should look for?Well, probably one of the most common red flags is mold that might be behind a wall, but you might see little etchings of it through a vent or through the sheet-rock.

So important that’s when an inspector really may earns his money because he’ll see the mold and it makes a difference also to galvanized pipe downstairs would indicate that the plumbing is probably pretty old.

So that’s the value of an inspection. And that’s why it’s so important.

So buyers, make sure to hire an inspector.And if it comes to the point where you have to negotiate some of the things in that inspection report, your agent will gladly do it.

And that’s my point.

https://bergerpoints.com

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You know, a lot of people wonder about the value of a good inspection of the home and when it should be performed.

Typically, the buyer always hires the inspector, so that inspection report is for the buyer’s eyes only.Now, it’s up to the buyer whether or not to share that and they usually do when they want to negotiate the price.

Now, when does the inspection come into place?Well, once an offer has been made to the seller and it’s been accepted, normally it takes about seven days to perform an inspection.

Why?

Because this allows the seller to know that the buyer is serious, and wants to move forward.What is the purpose of the inspection?

What is the inspector really looking for?

Well, typically in a 2,000 square foot home, you’re going to wind up paying $450 to $600 for the inspection.

The inspector will find many, many things wrong with the property.Sometimes it’s almost nitpicking because if the house is pristine, he’s got to offer something that you’re being charged with.

However, the red flags, what are the red flags that a buyer should look for?Well, probably one of the most common red flags is mold that might be behind a wall, but you might see little etchings of it through a vent or through the sheet-rock.

So important that’s when an inspector really may earns his money because he’ll see the mold and it makes a difference also to galvanized pipe downstairs would indicate that the plumbing is probably pretty old.

So that’s the value of an inspection. And that’s why it’s so important.

So buyers, make sure to hire an inspector.And if it comes to the point where you have to negotiate some of the things in that inspection report, your agent will gladly do it.

And that’s my point.

https://bergerpoints.com

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OK, so what’s a material fact?Well, it could be a broken step that’s loose in the front or broken railing.That’s an obvious fact.
It also can be an oil burner that doesn’t work, or it could be a hot water heater that only goes to a certain temperature and really doesn’t provide enough hot water.

That’s a material fact, and that has to be brought out so that the buyer looking at it can observe it and make a decision. Listen for complete details!

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OK, so what’s a material fact?Well, it could be a broken step that’s loose in the front or broken railing.That’s an obvious fact.
It also can be an oil burner that doesn’t work, or it could be a hot water heater that only goes to a certain temperature and really doesn’t provide enough hot water.

That’s a material fact, and that has to be brought out so that the buyer looking at it can observe it and make a decision. Listen for complete details!

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For example, and there’s an old rug there, we’ll take up the old rug.

Say your den is 10 by 15. That’s 150 square feet. That’s all. Go to the big box scores. Pick out a nice laminate or better yet, a nice finished hardwood.

So if you’re talking $5 a square foot, that’s really $750.

And when a buyer comes in and sees it, they’re going to be astonished.

What about who’s going to put it down?

Well, actually, plenty of carpenters will come in and they’ll just charge you for a room.

Meaning —→ they’ll just charge you a square foot.S o they may even charge you that $5.

So now you’re into the room, $1,500, and you will get that back many times over because when the buyer comes in and sees that pristine floor, it makes such a difference.

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For example, and there’s an old rug there, we’ll take up the old rug.

Say your den is 10 by 15. That’s 150 square feet. That’s all. Go to the big box scores. Pick out a nice laminate or better yet, a nice finished hardwood.

So if you’re talking $5 a square foot, that’s really $750.

And when a buyer comes in and sees it, they’re going to be astonished.

What about who’s going to put it down?

Well, actually, plenty of carpenters will come in and they’ll just charge you for a room.

Meaning —→ they’ll just charge you a square foot.S o they may even charge you that $5.

So now you’re into the room, $1,500, and you will get that back many times over because when the buyer comes in and sees that pristine floor, it makes such a difference.

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Chris tells all his clients to drive by the home when it's raining - this is why....

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Chris tells all his clients to drive by the home when it's raining - this is why....

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Okay, here’s an example.$5,000 is your credit limit.If you keep that card at 20% of your credit limit, which is $1,000, your credit score will start to go up.
So, if you keep it below 20%, your credit will go up.It’s a simple trick. It’s simple math. Follow it.
And of course, once you get a chance to start paying down those credit cards, that’s even better.Keep it below 20%. And that’s my point.



And today, I’m wearing my Paul Anka hat. He was a little bit before my generation, in a sense, but we went to see him, and what a show he put on.He’s in his 80s, utterly spectacular, and incidentally, he wrote my way for Frank Sinatra. Be well.

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Okay, here’s an example.$5,000 is your credit limit.If you keep that card at 20% of your credit limit, which is $1,000, your credit score will start to go up.
So, if you keep it below 20%, your credit will go up.It’s a simple trick. It’s simple math. Follow it.
And of course, once you get a chance to start paying down those credit cards, that’s even better.Keep it below 20%. And that’s my point.



And today, I’m wearing my Paul Anka hat. He was a little bit before my generation, in a sense, but we went to see him, and what a show he put on.He’s in his 80s, utterly spectacular, and incidentally, he wrote my way for Frank Sinatra. Be well.

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She didn’t want somebody just showing up any time.Well, always remember, Mrs. Seller, that you are in charge of when the buyers come.

And what I mean by that, you sit down with your listing agent and you set the times, say Monday, Wednesday and Friday, 11 to 5, and Saturday and Sunday, let’s go to 11 to 3.30, because if soccer practice or church or whatever, is involved but just remember you as the seller are in charge.

Now we as agents we schedule all the appointments through something called SHOWING TIME software. It's great. It keeps schedules organized.

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She didn’t want somebody just showing up any time.Well, always remember, Mrs. Seller, that you are in charge of when the buyers come.

And what I mean by that, you sit down with your listing agent and you set the times, say Monday, Wednesday and Friday, 11 to 5, and Saturday and Sunday, let’s go to 11 to 3.30, because if soccer practice or church or whatever, is involved but just remember you as the seller are in charge.

Now we as agents we schedule all the appointments through something called SHOWING TIME software. It's great. It keeps schedules organized.

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So if you’re looking at a listing and it might say one quarter acre, 0.4 acre, 0.6 acre, it gives you a sense of how many acres or how many square feet are on the property or encompass the property.

Why is that important?



Well, most people associate acreage with the amount of bathrooms that you can put in your home.

However, that’s not entirely true because what dictates how many bathrooms can be in your room is not how many square feet, but how many bedrooms you’re approved for by the town.

So if the town approves you of three bedrooms, you can then put three bathrooms in your home.

But you need the square feet or the square footage to accommodate that outside.

So that’s why acreage is important.So when you’re looking at a listing, look for one acre or better.


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So if you’re looking at a listing and it might say one quarter acre, 0.4 acre, 0.6 acre, it gives you a sense of how many acres or how many square feet are on the property or encompass the property.

Why is that important?



Well, most people associate acreage with the amount of bathrooms that you can put in your home.

However, that’s not entirely true because what dictates how many bathrooms can be in your room is not how many square feet, but how many bedrooms you’re approved for by the town.

So if the town approves you of three bedrooms, you can then put three bathrooms in your home.

But you need the square feet or the square footage to accommodate that outside.

So that’s why acreage is important.So when you’re looking at a listing, look for one acre or better.


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I got to thinking about my fireplace and why a fireplace, a garage, and a pool are important to the buyer as well as the seller.

Well, let’s cover the fireplace first.

Well, you have a fireplace, you walk in, it could be in great shape, it could be not working

.But if it’s there, it’s such an advantage and it adds value to your house that you’re buying or selling.

Watch the whole Berger Point to get the details!

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I got to thinking about my fireplace and why a fireplace, a garage, and a pool are important to the buyer as well as the seller.

Well, let’s cover the fireplace first.

Well, you have a fireplace, you walk in, it could be in great shape, it could be not working

.But if it’s there, it’s such an advantage and it adds value to your house that you’re buying or selling.

Watch the whole Berger Point to get the details!

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You know going into a closing, a lot of people don’t realize this, but once the buyer sits down to the table and is signing the mortgage, we kind of refer to as your commitment for life, when signing it.

Actually though, what happens is you do have three days of rescission.

What that exactly means as the buyer is signing for the mortgage, if they decide a day and a half later, two days, up to three days, they can cancel the mortgage and cancel the whole deal.

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You know going into a closing, a lot of people don’t realize this, but once the buyer sits down to the table and is signing the mortgage, we kind of refer to as your commitment for life, when signing it.

Actually though, what happens is you do have three days of rescission.

What that exactly means as the buyer is signing for the mortgage, if they decide a day and a half later, two days, up to three days, they can cancel the mortgage and cancel the whole deal.

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You know, many years ago, I would ride past houses and you look at them.

And as you look at a home, you really take for granted many things that’s on the home, whether it has chimney, does it have a chimney cap?You know, it’s kind of obvious to see that. 

However, one of the things that I found out many, many years ago, how important a roof vent is.A roof vent, of course, it goes along the peak of the house.

What this vent does, is open.So the shingles are right up to these vents that runs across your peak.And the importance of this is that it actually allows your attic to breathe.

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You know, many years ago, I would ride past houses and you look at them.

And as you look at a home, you really take for granted many things that’s on the home, whether it has chimney, does it have a chimney cap?You know, it’s kind of obvious to see that. 

However, one of the things that I found out many, many years ago, how important a roof vent is.A roof vent, of course, it goes along the peak of the house.

What this vent does, is open.So the shingles are right up to these vents that runs across your peak.And the importance of this is that it actually allows your attic to breathe.

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I wanted to tell you about the agreement that a listing agent will present to the homeowner and it’s called an exclusive right to sell.

That gives that real estate agency the right to sell your home and gain commission.No matter who buys it.

So that’s very important.It’s a very common agreement.

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I wanted to tell you about the agreement that a listing agent will present to the homeowner and it’s called an exclusive right to sell.

That gives that real estate agency the right to sell your home and gain commission.No matter who buys it.

So that’s very important.It’s a very common agreement.

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It’s miserable doing it, but once you get it done, you are beyond happy.So, what happens with that mortgage commitment? What does it say?

Well, it will tell the seller, as well as the buyer, that date you’re going to close.

That’s so important to both parties.

In addition to that, generally what will happen is that the seller will always continue to go through with the deal. The buyer will continue to go through the deal.

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It’s miserable doing it, but once you get it done, you are beyond happy.So, what happens with that mortgage commitment? What does it say?

Well, it will tell the seller, as well as the buyer, that date you’re going to close.

That’s so important to both parties.

In addition to that, generally what will happen is that the seller will always continue to go through with the deal. The buyer will continue to go through the deal.

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You know, the big thing about closings —→ years ago they used to last anywhere between an hour which probably meant the buyer was closing with cash.

They were great to experience because they went so quickly.

Whereas other closings I’ve had going up to three hours and right down to the wire, literally when the bank was wiring the money to get the deal done.So what about today? What’s going on today?

Well, there’s a big thing called remote closings and it seems to be the trend.And what exactly does a Remote Closing mean?

Well, basically, the seller of the home, they pretty much pre-sign everything.

They pre-sign everything and they give their attorney the power of attorney and to receive the funds and they actually do not have to go to the closing.

Now on the opposite end on the buyer side generally the buyer — which is really nice — Today they can pre-sign probably —- I don’t know, maybe 30 pages.

And I don’t know if you’ve ever witnessed a closing or what goes on in a closing, but generally the buyer’s pages are literally a half inch thick and they’re just signing away, signing away and signing away.

Now with the pre-signing and also if you decide to give the power of attorney to your attorney, they can sign even further documents.

You can go to the closing, you can review them and you can really be in and out inside of 45 minutes, which makes it easier to go through.

Now, remember actually, as a buyer — they have three days to change his or her mind and reject the mortgage and back out of the deal.It’s called the right of rescission. (I wrote about it here)

And that’s standard with all the documents here in the Hudson Valley area. It’s happened to me in Carmel, New York.   So that’s my point.

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You know, the big thing about closings —→ years ago they used to last anywhere between an hour which probably meant the buyer was closing with cash.

They were great to experience because they went so quickly.

Whereas other closings I’ve had going up to three hours and right down to the wire, literally when the bank was wiring the money to get the deal done.So what about today? What’s going on today?

Well, there’s a big thing called remote closings and it seems to be the trend.And what exactly does a Remote Closing mean?

Well, basically, the seller of the home, they pretty much pre-sign everything.

They pre-sign everything and they give their attorney the power of attorney and to receive the funds and they actually do not have to go to the closing.

Now on the opposite end on the buyer side generally the buyer — which is really nice — Today they can pre-sign probably —- I don’t know, maybe 30 pages.

And I don’t know if you’ve ever witnessed a closing or what goes on in a closing, but generally the buyer’s pages are literally a half inch thick and they’re just signing away, signing away and signing away.

Now with the pre-signing and also if you decide to give the power of attorney to your attorney, they can sign even further documents.

You can go to the closing, you can review them and you can really be in and out inside of 45 minutes, which makes it easier to go through.

Now, remember actually, as a buyer — they have three days to change his or her mind and reject the mortgage and back out of the deal.It’s called the right of rescission. (I wrote about it here)

And that’s standard with all the documents here in the Hudson Valley area. It’s happened to me in Carmel, New York.   So that’s my point.

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You know, when I look at basements in homes here in the Northeast, in the Hudson Valley, it kind of feels like home because for many, many years, I was involved in a masonry supply business and we sold everything from the ground up to build a house.So basements have always been interesting to me because it’s your obligation to keep them dry.

When you keep a basement dry, your house functions so much better.

So, I was going to show you a little bit about what a sump pump looks like because when I am visiting houses and I look for them —- you see them, you always want to know the electricity cost of that particular home each month because —- if that pump is running all the time then there’s a serious water problem.

However, if it’s not, if it’s intermittent, that’s fine. It’s under control.

I will also show you what a French drain looks like and the value of that.

Take a look .So when we visited this home, I wanted to show you what a sump pump looks like.


It sits in, of course, the floor, and it’s probably about 24 inches deep on average, maybe 30 and then adjacent to that is something called a French drain system.

What that does, it’s outside the whole perimeter of the home and at this point, when the water hits it, it actually goes into like a gutter-like system under the floor.

Then it can go into the sump pump or it can just exit the house in the outside perimeter drains.

So again, I just wanted to give you an idea what an actual sump pump looks like.

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You know, when I look at basements in homes here in the Northeast, in the Hudson Valley, it kind of feels like home because for many, many years, I was involved in a masonry supply business and we sold everything from the ground up to build a house.So basements have always been interesting to me because it’s your obligation to keep them dry.

When you keep a basement dry, your house functions so much better.

So, I was going to show you a little bit about what a sump pump looks like because when I am visiting houses and I look for them —- you see them, you always want to know the electricity cost of that particular home each month because —- if that pump is running all the time then there’s a serious water problem.

However, if it’s not, if it’s intermittent, that’s fine. It’s under control.

I will also show you what a French drain looks like and the value of that.

Take a look .So when we visited this home, I wanted to show you what a sump pump looks like.


It sits in, of course, the floor, and it’s probably about 24 inches deep on average, maybe 30 and then adjacent to that is something called a French drain system.

What that does, it’s outside the whole perimeter of the home and at this point, when the water hits it, it actually goes into like a gutter-like system under the floor.

Then it can go into the sump pump or it can just exit the house in the outside perimeter drains.

So again, I just wanted to give you an idea what an actual sump pump looks like.

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There is a happy ending to this story, but not without some understanding and changes in approach.

Find out what changed for this buyer!

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There is a happy ending to this story, but not without some understanding and changes in approach.

Find out what changed for this buyer!

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Now, I wanted to talk to you today a little bit about a commercial real estate agent and a residential real estate agent in New York.

Now, I am a New York residential real estate agent, and I’m licensed to sell homes.However, if someone showed me a six-family house, that would involve a commercial real estate agent.A real estate agent - that’s a separate license from what I have.

So, if you see someone selling apartment buildings or you know 20 apartments are in a building or a shopping center, strip mall etcetera — it’s all commercial land.

They utilize a commercial real estate agent and they should because in reality their contacts are in the commercial world.Whereas my contacts are in the residential world.

So, I did have something come upon one time not too long ago where this woman wanted to list her house with me.

However, it was also commercially zoned.So, instead of taking the listing, I reached out to a good friend of mine and they took the listing.

It was a little tough only because there’s so many things, different things involved in commercial real estate that the woman who owned the house and the property next door really wasn’t aware of.

So together, a commercial real estate agent, and myself, we sort of held her hand and got her through the property.

And she was thrilled.And not only did I get a referral fee for giving it to the commercial agent, when she bought her new house,nI represented her and I got my full commission!

And that’s my point.

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Now, I wanted to talk to you today a little bit about a commercial real estate agent and a residential real estate agent in New York.

Now, I am a New York residential real estate agent, and I’m licensed to sell homes.However, if someone showed me a six-family house, that would involve a commercial real estate agent.A real estate agent - that’s a separate license from what I have.

So, if you see someone selling apartment buildings or you know 20 apartments are in a building or a shopping center, strip mall etcetera — it’s all commercial land.

They utilize a commercial real estate agent and they should because in reality their contacts are in the commercial world.Whereas my contacts are in the residential world.

So, I did have something come upon one time not too long ago where this woman wanted to list her house with me.

However, it was also commercially zoned.So, instead of taking the listing, I reached out to a good friend of mine and they took the listing.

It was a little tough only because there’s so many things, different things involved in commercial real estate that the woman who owned the house and the property next door really wasn’t aware of.

So together, a commercial real estate agent, and myself, we sort of held her hand and got her through the property.

And she was thrilled.And not only did I get a referral fee for giving it to the commercial agent, when she bought her new house,nI represented her and I got my full commission!

And that’s my point.

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You know, it’s been brought to my attention that a lot of people, when they go to the closing table as the buyers, and they’re receiving their mortgage, it’s very confusing because they expect the payment to, say, be $2,250.

And then all of a sudden, it is not $2,250, but it’s $2,600.

So where did the extra payment come in?Why is that showing up now?Well, the buyers should always be aware that the homeowner’s insurance on a monthly basis will be tacked on to your mortgage payment.

In addition to that, your taxes will be added on to your mortgage payment.

So that’s where the extra money comes in.

Now, years ago, the mortgage companies were a little bit more lax, allowing you to pay the insurance on a home, as well as, the taxes on your own.

So you just were paying the mortgage what you owe to the bank.

However, with how things have developed over the last 10, 12 years, 15 years, you know, people not paying their insurance because they couldn’t afford it or the taxes.

So the bank will go to the extremes, in a sense, to protect their investment.

So that’s why the insurance is added on as well as the taxes.And it’s really just a fact of life today.

That’s my point.

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You know, it’s been brought to my attention that a lot of people, when they go to the closing table as the buyers, and they’re receiving their mortgage, it’s very confusing because they expect the payment to, say, be $2,250.

And then all of a sudden, it is not $2,250, but it’s $2,600.

So where did the extra payment come in?Why is that showing up now?Well, the buyers should always be aware that the homeowner’s insurance on a monthly basis will be tacked on to your mortgage payment.

In addition to that, your taxes will be added on to your mortgage payment.

So that’s where the extra money comes in.

Now, years ago, the mortgage companies were a little bit more lax, allowing you to pay the insurance on a home, as well as, the taxes on your own.

So you just were paying the mortgage what you owe to the bank.

However, with how things have developed over the last 10, 12 years, 15 years, you know, people not paying their insurance because they couldn’t afford it or the taxes.

So the bank will go to the extremes, in a sense, to protect their investment.

So that’s why the insurance is added on as well as the taxes.And it’s really just a fact of life today.

That’s my point.

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I wanted to bring your attention to your taxes on the house and what you can do to lower them and what you should do.

Because basically me as a buyer, when I’m looking at a house, if the taxes say are over $12,000.Well, I could eliminate that fairly quickly because I can’t afford that.

So maybe my limit might be $10,000.But you as a seller with a $12,000 tax bill, you can certainly enter your name and address into the STAR program of New York State and they will lower your taxes.You’ll get a rebate.

However, one thing that I tell all of my clients on both sides, buyer or seller, is that if a property is available —- Well, if you own that home and the taxes are too high, then go to your town board, make an appointment and do something called grieving your taxes.

And if you don’t want to do it, it’s not terribly difficult.

However, if you can also hire someone and they will charge you a fee based on what they’ve reduced your taxes.

So if they’ve reduced your taxes by $1,000, they may charge you 25% of that.

But it’s well worth it.It’s something to do over the next six months, especially now that prices have sort of stabilized, if not dropped a little bit.

So you’re in the driver’s seat. So go grieve your taxes and get ready for the spring. That's my point.

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I wanted to bring your attention to your taxes on the house and what you can do to lower them and what you should do.

Because basically me as a buyer, when I’m looking at a house, if the taxes say are over $12,000.Well, I could eliminate that fairly quickly because I can’t afford that.

So maybe my limit might be $10,000.But you as a seller with a $12,000 tax bill, you can certainly enter your name and address into the STAR program of New York State and they will lower your taxes.You’ll get a rebate.

However, one thing that I tell all of my clients on both sides, buyer or seller, is that if a property is available —- Well, if you own that home and the taxes are too high, then go to your town board, make an appointment and do something called grieving your taxes.

And if you don’t want to do it, it’s not terribly difficult.

However, if you can also hire someone and they will charge you a fee based on what they’ve reduced your taxes.

So if they’ve reduced your taxes by $1,000, they may charge you 25% of that.

But it’s well worth it.It’s something to do over the next six months, especially now that prices have sort of stabilized, if not dropped a little bit.

So you’re in the driver’s seat. So go grieve your taxes and get ready for the spring. That's my point.

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People talk about this memo of sale.What exactly is a memo of sale?And why is it so important to both sides, seller and buyer?

Well, first of all, it’s an information sheet that your listing agent will make up.And of course, it begins with the name and address of the seller, name and the address of the buyer, and all their contacts.

So, which would include their email, the phone number, the attorneys for both sides, it just makes things go easier and faster.So that’s why it’s important to be accurate.So it also has one big factor and that’s the purchase price and what both parties have agreed upon.

Now, in addition to that, it will have the stipulations of the sale.For example, it might be cash down or it might be mortgage 20% down.

Whatever it is, it has that information on there.And also too, the concessions, mainly from the seller, what they’re willing to do for the house.

And by having this on a piece of paper, it’s then sent to the attorneys.It would be the selling attorney that would draw up the contract.

And at this point, it is sent to the buyer’s attorneys.

The buyer goes in, signs it, and now that contract goes back to the seller. They sign it.

Voila, we now have a contract of sale. Very important. The memo of sale all came from there and it needs to be accurate and it just makes things go faster in the long run and makes everybody a lot happier.

And that’s my point.

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People talk about this memo of sale.What exactly is a memo of sale?And why is it so important to both sides, seller and buyer?

Well, first of all, it’s an information sheet that your listing agent will make up.And of course, it begins with the name and address of the seller, name and the address of the buyer, and all their contacts.

So, which would include their email, the phone number, the attorneys for both sides, it just makes things go easier and faster.So that’s why it’s important to be accurate.So it also has one big factor and that’s the purchase price and what both parties have agreed upon.

Now, in addition to that, it will have the stipulations of the sale.For example, it might be cash down or it might be mortgage 20% down.

Whatever it is, it has that information on there.And also too, the concessions, mainly from the seller, what they’re willing to do for the house.

And by having this on a piece of paper, it’s then sent to the attorneys.It would be the selling attorney that would draw up the contract.

And at this point, it is sent to the buyer’s attorneys.

The buyer goes in, signs it, and now that contract goes back to the seller. They sign it.

Voila, we now have a contract of sale. Very important. The memo of sale all came from there and it needs to be accurate and it just makes things go faster in the long run and makes everybody a lot happier.

And that’s my point.

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Now, I wanted to talk to you a little bit about the importance of the multiple listing service, otherwise known as the MLS.

Now, of course, we’re all members of that as a real estate agents, so we have access to the MLS.

What’s important is why a seller should be on the MLS, as well as, the buyer should check on the MLS through the proper portal for people who search, but it’s up to the date information.

Whereas Zillow or Realtor.com, they have a tendency to lag behind a little bit. might be a day, half a day, two days, it’s hard to say.

However, when I find a listing on the MLS that my buyer would like to see, I immediately contact the real estate agent who has listed that house and speak to them directly.

By doing so, you’re finding out the ins and outs of what is going on in the house.Number one question, any offers on the house?And they’ll say yes, no.

But it gives you a sense of what’s available right now in real time.

That’s so important because I know so many times people are disappointed because they see a house they want. They go and talk to the agent the next day and finally contact them.

They want to make an appointment and there’s an offer and acceptance.So, once there is an offer and acceptance on a home, generally a seller will allow other people to come in and look.If they want to make an offer, that’s known as a backup.

However, once the offer and acceptance has been consummated, the buyer is then ready to move on that deal.

So just keep in mind that’s the importance of the MLS and it’s really real-time data. This is the world that we all live in!

That’s my point today.

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Now, I wanted to talk to you a little bit about the importance of the multiple listing service, otherwise known as the MLS.

Now, of course, we’re all members of that as a real estate agents, so we have access to the MLS.

What’s important is why a seller should be on the MLS, as well as, the buyer should check on the MLS through the proper portal for people who search, but it’s up to the date information.

Whereas Zillow or Realtor.com, they have a tendency to lag behind a little bit. might be a day, half a day, two days, it’s hard to say.

However, when I find a listing on the MLS that my buyer would like to see, I immediately contact the real estate agent who has listed that house and speak to them directly.

By doing so, you’re finding out the ins and outs of what is going on in the house.Number one question, any offers on the house?And they’ll say yes, no.

But it gives you a sense of what’s available right now in real time.

That’s so important because I know so many times people are disappointed because they see a house they want. They go and talk to the agent the next day and finally contact them.

They want to make an appointment and there’s an offer and acceptance.So, once there is an offer and acceptance on a home, generally a seller will allow other people to come in and look.If they want to make an offer, that’s known as a backup.

However, once the offer and acceptance has been consummated, the buyer is then ready to move on that deal.

So just keep in mind that’s the importance of the MLS and it’s really real-time data. This is the world that we all live in!

That’s my point today.

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Down through the years I’ve had associations with different attorneys and to my advantage, thankfully, our relationship worked very well as far as helping my buyer or helping my seller make the deal.

And a long time ago, an instructor told me —- and I was kind of shocked about this —- is that attorneys can be deal makers or deal breakers.

However, let’s tell you a quick story…One time I was representing a buyer and the seller’s attorney just thought that the buyer’s attorney didn’t want to make the deal.So, as a result, neither one would speak to each other anymore.

They would communicate just through text or email, just crazy, beyond frustrating.I have a buyer who’s crying, saying, why can’t we go through with this deal?So anyway... I get this bright idea.

I call the seller’s attorney directly.

And after speaking with him, I told him that the buyer’s attorney thinks you don’t want to make the deal.So he thanked me for the cooperation and said he will try to address it and take care of it.

Same day, a few minutes later, I call our attorney, the buyer’s attorney, and I said to him, the seller’s attorney thinks you don’t want to make the deal.He wants to talk to you and settle up the problems today.

Can we do this?

Can we move forward?

Well, I didn’t know that. I wasn’t aware of it.

Okay. Well, because of my polite interference, the attorneys talked.

The next day, the ball started rolling and in less than three weeks later because we were more than ready to close we actually closed, but the lines of communication have to be left open.

This is super important.

So, get yourself a good attorney look at different reviews and always, always keep lines of communication wide open.

And that's my point.

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Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/69508773Wed, 28 Jan 2026 21:04:37 +0000Chris BergerWell good afternoon everybody. My name is Chris BergerI’m a licensed real estate agent in the Hudson Valley region and it’s time for another Berger Point. Down through the years I’ve had associations with different attorneys and to my advantage,...
Down through the years I’ve had associations with different attorneys and to my advantage, thankfully, our relationship worked very well as far as helping my buyer or helping my seller make the deal.

And a long time ago, an instructor told me —- and I was kind of shocked about this —- is that attorneys can be deal makers or deal breakers.

However, let’s tell you a quick story…One time I was representing a buyer and the seller’s attorney just thought that the buyer’s attorney didn’t want to make the deal.So, as a result, neither one would speak to each other anymore.

They would communicate just through text or email, just crazy, beyond frustrating.I have a buyer who’s crying, saying, why can’t we go through with this deal?So anyway... I get this bright idea.

I call the seller’s attorney directly.

And after speaking with him, I told him that the buyer’s attorney thinks you don’t want to make the deal.So he thanked me for the cooperation and said he will try to address it and take care of it.

Same day, a few minutes later, I call our attorney, the buyer’s attorney, and I said to him, the seller’s attorney thinks you don’t want to make the deal.He wants to talk to you and settle up the problems today.

Can we do this?

Can we move forward?

Well, I didn’t know that. I wasn’t aware of it.

Okay. Well, because of my polite interference, the attorneys talked.

The next day, the ball started rolling and in less than three weeks later because we were more than ready to close we actually closed, but the lines of communication have to be left open.

This is super important.

So, get yourself a good attorney look at different reviews and always, always keep lines of communication wide open.

And that's my point.

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You know, when a home has been on the market for a while, it’s on the market for 519.

And typically, if you check the comparables around the area, you know, within a couple of miles, same square footage, say 2000 square feet, and they’re all selling around 500,000.

And your house at 519 is not selling.So what do I do?How can I make this thing sell?Take it off the market for 30 day

And then once you put it back on the market 30 days later, it will appear as a new listing.

But in addition to that, it will give you some time to look at the comps, what happened over the past 30 days, what sold.

So you may find out that, you know, houses are selling around 510.

So that’s maybe what you should bring your house back on the market at, 510.

It makes a difference.But don’t waste time leaving it on the market.

And that’s my point today.

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You know, when a home has been on the market for a while, it’s on the market for 519.

And typically, if you check the comparables around the area, you know, within a couple of miles, same square footage, say 2000 square feet, and they’re all selling around 500,000.

And your house at 519 is not selling.So what do I do?How can I make this thing sell?Take it off the market for 30 day

And then once you put it back on the market 30 days later, it will appear as a new listing.

But in addition to that, it will give you some time to look at the comps, what happened over the past 30 days, what sold.

So you may find out that, you know, houses are selling around 510.

So that’s maybe what you should bring your house back on the market at, 510.

It makes a difference.But don’t waste time leaving it on the market.

And that’s my point today.

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You know, one of my clients had this happen to them. It was a seller.He sold his house, and the buyers were extremely happy at the closing.

However, there was just one problem. The seller had no place to go.

The arrangements that he made to move out just didn’t work out, so he had to stay in the home another month.So what’s the solution?

Well, certainly that seller can stay with relatives. 

Didn’t want to do that. They could rent a hotel. They didn’t want to do that either.

So they went to the people who just purchased their home, the buyers, and asked them if they could rent back their house for 30 days.

The buyers were actually renting their apartment, so they were okay with it.

And they got a little extra money for a month’s rent from the seller.

And the seller was thrilled because now all the pressure was off.

The seller could now take that 30 days to start to move out.And the buyers, well, yes, they were a little disappointed that they couldn’t move in.

The bottom line is the seller was happy. The buyers were happy. The deal was consummated because the seller didn’t have a place to go, wanted to pull out of the deal.

So it was resolved. That’s a great point.

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You know, one of my clients had this happen to them. It was a seller.He sold his house, and the buyers were extremely happy at the closing.

However, there was just one problem. The seller had no place to go.

The arrangements that he made to move out just didn’t work out, so he had to stay in the home another month.So what’s the solution?

Well, certainly that seller can stay with relatives. 

Didn’t want to do that. They could rent a hotel. They didn’t want to do that either.

So they went to the people who just purchased their home, the buyers, and asked them if they could rent back their house for 30 days.

The buyers were actually renting their apartment, so they were okay with it.

And they got a little extra money for a month’s rent from the seller.

And the seller was thrilled because now all the pressure was off.

The seller could now take that 30 days to start to move out.And the buyers, well, yes, they were a little disappointed that they couldn’t move in.

The bottom line is the seller was happy. The buyers were happy. The deal was consummated because the seller didn’t have a place to go, wanted to pull out of the deal.

So it was resolved. That’s a great point.

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You know, one of the things that we see in the listing as is, and recently I took a client to see a home and it was listed as is.And looking at the pictures, it looked fantastic.

But in addition to that, it just said cash only.So, okay, the red flags go up. What exactly is going on?

Well, I did speak to the listing agent and she informed me that the property itself did not have a CO, which is a certificate of occupancy. Okay.

Well, the home can be purchased with cash.However, if a person wants to apply for a mortgage because the home does not have a CO, it’s not going to work.

So look for that, but don’t be so alarmed as when you see something as is that it frightens you awayfrom looking at the house because today in today’s environment, more and more sellers are putting up a home as is.

And generally the problems are minor.

For example, one red flag might be a buried oil tank still on the property.

Well, between the buyer, buyer’s agent and the seller’s agent, this can be negotiated.

So pursue it.

Just be aware.Have a good inspector.Inspect the properties for buyers, and you’ll be okay.

And that’s my point.

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You know, one of the things that we see in the listing as is, and recently I took a client to see a home and it was listed as is.And looking at the pictures, it looked fantastic.

But in addition to that, it just said cash only.So, okay, the red flags go up. What exactly is going on?

Well, I did speak to the listing agent and she informed me that the property itself did not have a CO, which is a certificate of occupancy. Okay.

Well, the home can be purchased with cash.However, if a person wants to apply for a mortgage because the home does not have a CO, it’s not going to work.

So look for that, but don’t be so alarmed as when you see something as is that it frightens you awayfrom looking at the house because today in today’s environment, more and more sellers are putting up a home as is.

And generally the problems are minor.

For example, one red flag might be a buried oil tank still on the property.

Well, between the buyer, buyer’s agent and the seller’s agent, this can be negotiated.

So pursue it.

Just be aware.Have a good inspector.Inspect the properties for buyers, and you’ll be okay.

And that’s my point.

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Recently, I had a client, and we looked at a home that was recently redone.It was bought at an auction.

The seller completely redid it from the basement to the top of the attic.It was just done beautifully. What a great job they did.

Outside, perfect.My point for a seller, when we come to look at a house, all the lights should be on because that makes its best appearance.

Put the lights on in the closet, put the lights on in the basement, the garage, just so we don’t have to turn them on.In addition to that, if it’s cold outside, put the heat on, make sure it’s 70 degrees.

On the flip side, if it’s hot outside, put the air conditioning on.Make sure it’s 70 degrees.

Because to make that kind of impression on the buyer, it’s just a win-win.So we went downstairs and it was a little cool.And so, you know, I advised her strongly to come back for a second look. and she did that.

But in between the first look and the second look,I told her, I said, “You know why the cellar was a little cool?”I mean, the basement was completely redone. Gorgeous. Absolutely gorgeous.

I said, “Because there’s no heat there!”And she was astonished.

So we talked about it a little bit.And after viewing it for the second time, again, she loved the house.

However, because the downstairs had no heat,She just wasn’t interested.

And paying that kind of money, she didn’t want to put another $20,000 or $30,000 into the house.

And that’s my point.

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Recently, I had a client, and we looked at a home that was recently redone.It was bought at an auction.

The seller completely redid it from the basement to the top of the attic.It was just done beautifully. What a great job they did.

Outside, perfect.My point for a seller, when we come to look at a house, all the lights should be on because that makes its best appearance.

Put the lights on in the closet, put the lights on in the basement, the garage, just so we don’t have to turn them on.In addition to that, if it’s cold outside, put the heat on, make sure it’s 70 degrees.

On the flip side, if it’s hot outside, put the air conditioning on.Make sure it’s 70 degrees.

Because to make that kind of impression on the buyer, it’s just a win-win.So we went downstairs and it was a little cool.And so, you know, I advised her strongly to come back for a second look. and she did that.

But in between the first look and the second look,I told her, I said, “You know why the cellar was a little cool?”I mean, the basement was completely redone. Gorgeous. Absolutely gorgeous.

I said, “Because there’s no heat there!”And she was astonished.

So we talked about it a little bit.And after viewing it for the second time, again, she loved the house.

However, because the downstairs had no heat,She just wasn’t interested.

And paying that kind of money, she didn’t want to put another $20,000 or $30,000 into the house.

And that’s my point.

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My name is Chris Berger and it’s time for a Berger Point.

You know, recently I worked with a client who was looking at a million dollar home and very excited about to buy it.

However, suddenly it appeared that seller wanted all cash and that’s the only way they were going to sell it.So my buyer was deeply disappointed.

However, we talked about it and I said, you know, there are people today, companies that offer quick cash and it’s called a hard money lender.

And usually the interest rates are reasonable.And so she researched it and found out that, yes, indeed, she would qualify for hard money lender.

Now, how do you qualify?Well, basically good credit.You have to have good credit anyway if you’re going to get a mortgage.

But the most important thing is that with a hard money lender, they can close within 30 days.

And what’s nice too is that you can go and after reading the fine print, and of course have your attorney look it over, you can convert that to a conventional mortgage, usually within a year or two.

So it’s nothing but a win-win situation.My client was happy because they were able to buy the house, whereas previously they thought they couldn’t.

And that’s my point.

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Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>https://api.spreaker.com/episode/69508761Wed, 28 Jan 2026 20:42:17 +0000Chris BergerWell, good afternoon, everybody. My name is Chris Berger and it’s time for a Berger Point. You know, recently I worked with a client who was looking at a million dollar home and very excited about to buy it. However, suddenly it appeared that...
My name is Chris Berger and it’s time for a Berger Point.

You know, recently I worked with a client who was looking at a million dollar home and very excited about to buy it.

However, suddenly it appeared that seller wanted all cash and that’s the only way they were going to sell it.So my buyer was deeply disappointed.

However, we talked about it and I said, you know, there are people today, companies that offer quick cash and it’s called a hard money lender.

And usually the interest rates are reasonable.And so she researched it and found out that, yes, indeed, she would qualify for hard money lender.

Now, how do you qualify?Well, basically good credit.You have to have good credit anyway if you’re going to get a mortgage.

But the most important thing is that with a hard money lender, they can close within 30 days.

And what’s nice too is that you can go and after reading the fine print, and of course have your attorney look it over, you can convert that to a conventional mortgage, usually within a year or two.

So it’s nothing but a win-win situation.My client was happy because they were able to buy the house, whereas previously they thought they couldn’t.

And that’s my point.

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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bergerpoints.substack.com

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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bergerpoints.substack.com

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Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>substack:post:183810825Wed, 07 Jan 2026 17:12:47 +0000Chris BergerHello everybody, my name is Chris Burger and it’s time for Berger Point.You know, looking back over the years, I worked over 20 years in a masonry supply yard with my partner and we sold all kinds of products to help build a house.And one of the...
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Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>83falsefullhttps://www.spreaker.com/episode/avoid-a-lien-the-value-of-title-insurance--69508475
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bergerpoints.substack.com

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Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>substack:post:182145784Sat, 20 Dec 2025 03:47:13 +0000Chris BergerWell, good afternoon, everybody.My name is Chris Berger and it’s time for a Berger Point.You know, we talked about buying a foreclosure and what are the pitfalls?Well, the major pitfall is that if you go in and purchase a home that’s previously owned...
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Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>135falsefullhttps://www.spreaker.com/episode/save-on-fire-insurance-this-way--69508472
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bergerpoints.substack.com

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Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>substack:post:181846294Wed, 17 Dec 2025 01:25:27 +0000Chris BergerAfternoon, everybody. My name is Chris Berger and it’s time for Berger Point.Everybody wants to save a little money on homeowners insurance, especially your fire insurance.Well, this is a little tidbit that I learned, you know, a few years back and I...
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This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bergerpoints.substack.com

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Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>substack:post:175875612Fri, 17 Oct 2025 21:00:18 +0000Chris BergerWell, good afternoon, everybody. This is Chris Berger.And yes, it’s time for a Berger Point.You know, I wanted to talk to you a little bit today about the title company and how it’s involved in the transaction.Now, the buyer traditionally, of course,...
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Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>84falsefullhttps://www.spreaker.com/episode/interest-rates-matter--69508471
This is a public episode. If you would like to discuss this with other subscribers or get access to bonus episodes, visit bergerpoints.substack.com

Join me on Substack for the latest Berger Points ---> https://bergerpoints.substack.com

Download my 1st Time Home Buyers Guide for FREE --> https://bergerpoints.com]]>substack:post:175877359Fri, 17 Oct 2025 19:07:10 +0000Chris BergerWell, good afternoon, everybody. This is Chris Berger, and it’s time for a Berger Point.You know, people ask me all the time, are we going to see a market crash of housing?So let’s sort of figure out where we are right now… and again, nobody can...
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