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	<title>Joe's South Jersey Real Estate Blog</title>
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	<link>http://hometeamnj.com</link>
	<description>South Jersey Real Estate</description>
	<lastBuildDate>Mon, 22 Feb 2010 20:07:17 +0000</lastBuildDate>
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		<title>Top 3 Mistakes Home buyers make</title>
		<link>http://hometeamnj.com/top-3-mistakes-home-buyers-make/</link>
		<comments>http://hometeamnj.com/top-3-mistakes-home-buyers-make/#comments</comments>
		<pubDate>Sun, 14 Feb 2010 01:04:31 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Investment Property]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=621</guid>
		<description><![CDATA[I&#8217;m sure I&#8217;ll think of several more common mistakes as soon as I&#8217;m done typing this     As a full time real estate broker in South Jersey, I see this kind of thing all the time as I list and sell homes.   So here they are, in no particular order&#8230;.     



waiting for the &#8220;bottom&#8221;&#8230;.the stats don&#8217;t come [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<title>South Jersey Real Estate Broker&#8230;.part time Psychologist</title>
		<link>http://hometeamnj.com/south-jersey-real-estate-brokerpart-time-psychologist/</link>
		<comments>http://hometeamnj.com/south-jersey-real-estate-brokerpart-time-psychologist/#comments</comments>
		<pubDate>Sat, 02 Jan 2010 15:00:43 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[first time buyer]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=331</guid>
		<description><![CDATA[Some people are really crazy, but when buying a home in South Jersey I think many people might qualify as temporarily insane!   Everyone wants a good deal, but no one seems to know how to define it.  If you don&#8217;t take the time to define it, how will you know when you got it? [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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		<title>1st time Home Buyers&#8230;South Jersey Starts Here</title>
		<link>http://hometeamnj.com/first-time-home-buyers-start-here/</link>
		<comments>http://hometeamnj.com/first-time-home-buyers-start-here/#comments</comments>
		<pubDate>Thu, 24 Dec 2009 04:03:34 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/blog/?p=51</guid>
		<description><![CDATA[This is real estate 101&#8230; for the first buyer&#8217;s in the crowd! 
Before I get started, let me first say how important first time buyers are to the south jersey real estate market and to ANY real estate market for that matter.   With out first time buyers, move up home sellers can&#8217;t move up.   It&#8217;s estimated [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>The Hidden Killer contingency every Home Seller should look for</title>
		<link>http://hometeamnj.com/the-hidden-killer-contingency-every-home-seller-should-look-for/</link>
		<comments>http://hometeamnj.com/the-hidden-killer-contingency-every-home-seller-should-look-for/#comments</comments>
		<pubDate>Mon, 30 Mar 2009 13:21:57 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Sellers]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=436</guid>
		<description><![CDATA[South Jersey Real Estate Broker exposes a hidden deal killer
Yes&#8230;it&#8217;s a killer and it&#8217;s quite hidden until you know exactly where to look for it.   So let&#8217;s say you&#8217;re selling your South Jersey home and of course the buyer has to get a mortgage, so it&#8217;s quite normal to give them a mortgage contingency clause [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/the-hidden-killer-contingency-every-home-seller-should-look-for/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Get on FaceBook&#8230; 6 steps to sending referrals to your favorite Realtor</title>
		<link>http://hometeamnj.com/sit-on-my-facebook-6-steps-to-sending-referrals/</link>
		<comments>http://hometeamnj.com/sit-on-my-facebook-6-steps-to-sending-referrals/#comments</comments>
		<pubDate>Wed, 25 Mar 2009 12:09:54 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Listings]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[first time seller]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=420</guid>
		<description><![CDATA[Hello my Facebook buddies&#8230;..We all like our friends, right?  So here are 6 easy steps on how to take care of your friends who are looking to buy a home in South Jersey&#8230; and how to send a referral to your Favorite Realtor&#8230;&#8230; uhmm, that&#8217;s me&#8230;. and of course I&#8217;ll make sure they get the best service, [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>South Jersey REALTOR works for FREE&#8230; and sometimes BEER</title>
		<link>http://hometeamnj.com/south-jersey-realtor-works-for-free-and-sometimes-beer/</link>
		<comments>http://hometeamnj.com/south-jersey-realtor-works-for-free-and-sometimes-beer/#comments</comments>
		<pubDate>Tue, 10 Mar 2009 14:10:10 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Sellers]]></category>
		<category><![CDATA[first time seller]]></category>
		<category><![CDATA[move up seller]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=319</guid>
		<description><![CDATA[If you never knew  (or never really cared)  how real estate agents get paid, you might be surprised that we actually work for Free !   Yes it&#8217;s true&#8230;. kind of.    
When selling your South Jersey home, we enter into a listing agreement which explains that my brokerage fee is contingent upon successfully selling your home.     No [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Good deal&#8230;.or not a good deal?  Take the QUIZ</title>
		<link>http://hometeamnj.com/good-dealor-not-a-good-deal-take-the-quiz/</link>
		<comments>http://hometeamnj.com/good-dealor-not-a-good-deal-take-the-quiz/#comments</comments>
		<pubDate>Wed, 25 Feb 2009 20:30:42 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Investment Property]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=316</guid>
		<description><![CDATA[When you buy an house, how will you KNOW whether you got a good deal or not?   A commom misconception is to see how much the seller discounted the asking price and then decide if that&#8217;s a &#8220;good&#8221; discount or not.   I&#8217;m not sure how you magically guess the appropriate discount to qualify for a [...]]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Advice for new Investors&#8230; cheaper isn&#8217;t always better</title>
		<link>http://hometeamnj.com/advice-for-new-investors-cheaper-isnt-always-better/</link>
		<comments>http://hometeamnj.com/advice-for-new-investors-cheaper-isnt-always-better/#comments</comments>
		<pubDate>Fri, 20 Feb 2009 16:00:35 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Investment Property]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[investor]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=297</guid>
		<description><![CDATA[If you&#8217;re at the clothes store, and you buy a shirt off the clearance rack for 90% off, is it a good deal?   What if it doesn&#8217;t fit you or it&#8217;s just plain ugly !?   I&#8217;ve been getting a lot of calls on a really low priced bank property from would be Investors looking for [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/advice-for-new-investors-cheaper-isnt-always-better/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Snappy answers to stupid Real Estate questions</title>
		<link>http://hometeamnj.com/snappy-answers-to-stupid-real-estate-questions/</link>
		<comments>http://hometeamnj.com/snappy-answers-to-stupid-real-estate-questions/#comments</comments>
		<pubDate>Wed, 11 Feb 2009 23:18:28 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Snappy answers to stupid questions]]></category>
		<category><![CDATA[rants]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=290</guid>
		<description><![CDATA[(Warning, another rant about to start)  If it only happened once or twice I&#8217;d be fine, but I can&#8217;t count how often I&#8217;m showing a propety to a prospective home buyer and as we walk in to the house, there&#8217;s no furniture, no curtains, no appliances, no evidence of human life or activity for centuries.   [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/snappy-answers-to-stupid-real-estate-questions/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>what do you WANT? &#8230;.just TELL ME !!</title>
		<link>http://hometeamnj.com/what-do-you-want-just-tell-me/</link>
		<comments>http://hometeamnj.com/what-do-you-want-just-tell-me/#comments</comments>
		<pubDate>Wed, 11 Feb 2009 03:11:39 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Snappy answers to stupid questions]]></category>
		<category><![CDATA[rants]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=281</guid>
		<description><![CDATA[(Warning&#8230; rant about to start)   I just LOVE IT when an investor/ home buyer tells me they want a &#8220;good deal&#8221;.   Thank you, Captain Obvious, I didn&#8217;t know that.
So what if you went into a diner to eat and said&#8230;. &#8220;give me something that tastes good&#8221; &#8230;they would look at you [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/what-do-you-want-just-tell-me/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What are Points and why do I care?</title>
		<link>http://hometeamnj.com/what-are-points-and-why-do-i-care/</link>
		<comments>http://hometeamnj.com/what-are-points-and-why-do-i-care/#comments</comments>
		<pubDate>Mon, 02 Feb 2009 18:18:54 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[move up seller]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=218</guid>
		<description><![CDATA[Points are the closest thing to legalized bribery!   When applying for a mortgage to buy a house, you can pay the lender a fee to get a better interest rate.   The fee is called a point and is 1% of the amount you borrow.   You could pay one or many points.   The point costs you [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/what-are-points-and-why-do-i-care/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>What&#8217;s my mortgage payment gonna be ??</title>
		<link>http://hometeamnj.com/whats-my-mortgage-payment-gonna-be/</link>
		<comments>http://hometeamnj.com/whats-my-mortgage-payment-gonna-be/#comments</comments>
		<pubDate>Mon, 02 Feb 2009 00:49:34 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=207</guid>
		<description><![CDATA[Even though there are tons of mortgage calculators on the web, here&#8217;s a quick and easy way to ballpark your monthly mortgage payment in your head.    If the house is $200,000, just multiply by 10% and subtract &#8220;a little bit&#8221; So, your payment should be a little under $2000/month&#8230;maybe $1700/month would be a good guess, [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/whats-my-mortgage-payment-gonna-be/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>How&#8217;s the market?</title>
		<link>http://hometeamnj.com/hows-the-market/</link>
		<comments>http://hometeamnj.com/hows-the-market/#comments</comments>
		<pubDate>Thu, 29 Jan 2009 14:21:23 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[first time seller]]></category>
		<category><![CDATA[move up seller]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=197</guid>
		<description><![CDATA[It&#8217;s a question that I get all the time&#8230;. but what&#8217;s the REAL question? Maybe some people are just making small talk because they know I&#8217;m a broker but many, I believe, want to know if it&#8217;s OK to buy a home. Watching the news is scarey and there&#8217;s no shortage of uncertainty in the [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/hows-the-market/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>to sell or NOT to sell&#8230;THAT is the Question!</title>
		<link>http://hometeamnj.com/to-sell-or-not-to-sellthat-is-the-question/</link>
		<comments>http://hometeamnj.com/to-sell-or-not-to-sellthat-is-the-question/#comments</comments>
		<pubDate>Wed, 21 Jan 2009 05:28:07 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Sellers]]></category>
		<category><![CDATA[move up seller]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.com/?p=171</guid>
		<description><![CDATA[Actually, the question is whether you should Sell first or Buy first ??      Let&#8217;s say that you own a home but want to move to a better home.   Most people start the process by looking for the new home first&#8230; and then it hits them&#8230;. how am i going to pay for this thing?!    For [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/to-sell-or-not-to-sellthat-is-the-question/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
		</item>
		<item>
		<title>Not all REO&#8217;s are toilets!</title>
		<link>http://hometeamnj.com/not-all-reos-are-toilets/</link>
		<comments>http://hometeamnj.com/not-all-reos-are-toilets/#comments</comments>
		<pubDate>Fri, 09 Jan 2009 18:37:00 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.net/blog/?p=37</guid>
		<description><![CDATA[I was talking with buyer recently who was looking for a home in my neck of the woods in South Jersey and he made some comments that he though all bank owned properties were in bad condition&#8230; the technical real estate lingo is toilet   ha ha     &#8230;but it&#8217;s just not true.    
  South Jersey [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/not-all-reos-are-toilets/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>South Jersey Homes and Real Estate</title>
		<link>http://hometeamnj.com/test-post-1/</link>
		<comments>http://hometeamnj.com/test-post-1/#comments</comments>
		<pubDate>Fri, 26 Dec 2008 15:26:37 +0000</pubDate>
		<dc:creator>Joe Montenigro</dc:creator>
				<category><![CDATA[Buyers]]></category>
		<category><![CDATA[Sellers]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[first time buyer]]></category>
		<category><![CDATA[first time seller]]></category>
		<category><![CDATA[move up seller]]></category>
		<category><![CDATA[real estate]]></category>

		<guid isPermaLink="false">http://hometeamnj.net/blog/?p=11</guid>
		<description><![CDATA[Hello South Jersey,
I&#8217;ve been a real estate broker in South Jersey for about 20 years.   I know stuff.   Ask me questions about buying a home or selling your home in South Jersey.   Don&#8217;t be shy.     While it&#8217;s true, that I don&#8217;t make my living giving out free advice, I can spare a few minutes to [...]]]></description>
		<wfw:commentRss>http://hometeamnj.com/test-post-1/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
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