Hi everyone.  Another Holiday Season is upon us.  Time flies. It feels like yesterday when we were worried about the new millennium and that all computers would crash.  Well, it's 2008 in a week or so and we, at Striker Realty, are looking forward to a great year.  We will be providing you with REO and Foreclosure properties as we build relationships with asset management companies.  This is besides all the ones that we already have access to through out NJ. (email us for details) The trend of Pre-foreclosures is going to continue as more adjustable rate mortgages are set to adjust in the new year.  Homeowners with these types of loans could contact us to see if we can have our mortgage specialist refinance them as soon as possible and lock in the low rates right now.  If you have no equity, then the chances of refinancing, unfortunately, are not good at all.  We might be able to help you sell your house by performing a short sale if you have a hardship and can't afford to make your mortgage payments.  (more information here www.rjrealtors.com/shortsales )  Whatever the case might be, don't hesitate to call us.  For now, we want to wish you all a Healthy and Happy Holiday Season and a Prosperous 2008! Stay in Touch.