info@camaranorealestate.com
Sandy Camarano (610) 737-9916
Steve Camarano (610) 737-9915
3101 Emrick Blvd. Suite 101
Bethlehem, PA 18020

For most people buying, selling, or renting real estate in the Lehigh Valley and beyond can be a daunting task. Steve and Sandy Camarano, Realtors with Berkshire Hathaway HomeServices Inc., have brought together resources, and a team of real estate and mortgage professionals to get you to the closing table in a timely and enjoyable fashion.

Through the years of living and building various businesses in the Lehigh Valley we have developed a strong network of resources from title, mortgage, home insurance, home inspection, repair and remodeling services.

We can and will work 24/7 to make your journey into buying a home in Allentown, Bethlehem, Easton and beyond an enjoyable and rewarding experience.

The Camarano Team welcomes a new team member, Linda Partenope!

Linda is originally from Boston, Massachusetts but she spent most of her life in Staten Island, New York before moving to the beautiful Lehigh Valley in 2008.  She now lives in Lower Macungie with her two sons, Nick (27) and Matt (24) and a loveable golden retriever, Jake.

Linda has worked as a legal assistant for over 25 years at law firms in New York, New Jersey and Pennsylvania with varying legal specialties, including real estate.  She has extensive experience in working with both builders and buyers, preparing sale contracts, coordinating with banks and mortgage lenders, assisting title companies in clearing exceptions, preparing closing documents, maintaining attorney trust accounts and most importantly, providing clients with both professional and personal service.

And on a personal note:

“Just for the record, my teammate Sandy Camarano found my family a beautiful home in the Lehigh Valley, and I am honored to be joining the Sandy & Steve Camarano Team.  It is my hope to provide clients with the same outstanding professional and personal service that was provided to me!” -Linda Partenope

 

What’s Happening this Month in Bethlehem, PA!

coc

Downtown Bethlehem Holiday Cocktail Trail  November 22 | 1-5 pm

Join us for the third annual Holiday Cocktail Trail in Historic Bethlehem! Travel along Main and Broad Street with your Christmas City Wine Glass, a map of locations and a passport listing all participating businesses or just walk through our downtowns and enjoy the Open House!

The Holiday Open House is a family-friendly event designed to capitalize on Bethlehem’s strong Christmas traditions and local businesses. Since adopting the Christmas City USA moniker in 1937, the Downtown Bethlehem Association has used the holiday to promote businesses in Historic Downtown Bethlehem. Families will be invited to the downtown businesses to vote on their decorated doors and window fronts, to help us decide who has the most Christmas spirit in our downtowns! Many stores will use the Open House to kick off any holiday specials and showcase how their store caters to you this holiday season.

 

turkey12th Annual Historic Turkey Trot!

Saturday, November 29 | Runners 9:00 am

Competitive Walkers 9:05 am | Fun Walkers (Not Timed) 9:10 am

$30 before 11:59 pm Oct. 31 2014 | $35  before 11:59 pm Nov. 25, 2014
$40 registration Nov. 28 at T-shirt Pick up 9 am- 3 pm | day of race 7 – 8:30 am

 

“Gather your friends, family members, fellow alumni, or coworkers and register as a Turkey Team! You’ll get a special shout out from our DJ! Why not make team t-shirts or costumes to wear on race day and be entered to win our Costume Contest! New for 2014! Get your race updates delivered to Facebook, Twitter and Mobile devices.  Let friends and family track your race progress. What you Get: A long-sleeve Turkey Trot t-shirt for all participants, Race Pack full of coupons and goodies, and FREE admission to HBMS museums Saturday and Sunday with your race t-shirt or bib.
Saturday, November 29 | Runners 9:00 am

Competitive Walkers 9:05 am | Fun Walkers (Not Timed) 9:10 am

$30 before 11:59 pm Oct. 31 2014 | $35  before 11:59 pm Nov. 25, 2014
$40 registration Nov. 28 at T-shirt Pick up 9 am- 3 pm | day of race 7 – 8:30 am

 

“Gather your friends, family members, fellow alumni, or coworkers and register as a Turkey Team! You’ll get a special shout out from our DJ! Why not make team t-shirts or costumes to wear on race day and be entered to win our Costume Contest! New for 2014! Get your race updates delivered to Facebook, Twitter and Mobile devices.  Let friends and family track your race progress. What you Get: A long-sleeve Turkey Trot t-shirt for all participants, Race Pack full of coupons and goodies, and FREE admission to HBMS museums Saturday and Sunday with your race t-shirt or bib.

 

ging
SteelStacks Gingerbread House Competition 
Exhibit November 17- December 23

Last year, more than 30 gingerbread houses were displayed at the ArtsQuest Center as part of the competition. This year’s event will feature works of art in five categories – Traditional Gingerbread House; Student Gingerbread Creation for grades 6-8 and 9-12; Kids & Family Gingerbread Creation for ages 12 and under; and Authentic Reproduction of a Significant Lehigh Valley Building. First- and second- prize winners for each category will take home cash prizes of $125 and $100 respectively; third-prize winners will each receive a $25 ArtsQuest gift card.

Any individual or group interested in entering must fill out the SteelStacks Gingerbread House Competition entry form at www.artsquest.org/gingerbread by Nov. 7. Gingerbread houses must be brought to the ArtsQuest Center between Nov. 14 and 16 and will remain on display through Dec. 23; winners will be announced Dec. 24.

For complete details and the official entry form, please visit here.

 

Happy Hour Fun
at Franklin Hill Vineyards   hap
Fridays | 4-6 pm
Every Friday at all of our locations we are hosting Happy Hour.  Stop by our Easton, Bethlehem, and Tannersville location between 4-6pm and the Winery 3-5pm. Each week there will be unique mixed drinks and yummy food that we all could use at the end of a hard week. As always it will be FREE! See you there. Cheers!

 

 

 

 

Weekly News Article:

Paying off Your Mortgage

By Benny L. Kass

Question: Our condominium unit is now worth approximately $350,000, and we owe only $25,000 on our mortgage. We are from the old school, and want to own this property free and clear. We have the money, and are considering paying off the loan. Is this a good idea, and if so, how do we go about making sure that it is done correctly?

 

Answer: The old school is a reference to our parents (or grandparents) who lived through the recession in the 1930s. Because the stock market crashed, and lots of people were unemployed, those who owned their home free and clear of any debt at least had a roof over their head and did not have to sleep in the streets or under the bridges.

There are many people today with this same mind-set, and while I personally disagree with this concept, I certainly respect and understand their views.

Let me play devil’s advocate. You have $325,000 in dead equity. This is the difference between what your property is worth and what you currently owe.

Appreciation is not dependent on whether you have a mortgage or on how much you owe on your home. The house will increase (or decrease) in value regardless of whether you have a mortgage. Thus, in my opinion, the money you have in your property — which we call “equity” –is just sitting there; it is “dead equity”.

You now want to take $25,000 out of your savings and pay off the loan. Why? You are getting some small tax benefit from the interest deductions despite the fact that currently you are not getting a decent rate of return on your investments. Other than the satisfaction of owning your house free and clear, I do not see any benefits by paying off that mortgage.

In fact, I would recommend that you consider refinancing. Continue reading at… http://realtytimes.com/consumeradvice/mortgageadvice1/item/31928-20141210-paying-off-your-mortgage

 

 

 

Previous News Articles:

Ten Essential Steps to Buying a Home

Read this article at: http://realtytimes.com/consumeradvice/buyersadvice1/item/31755-20141126-ten-essential-steps-to-buying-a-home

Fall is for Fireplaces

Read this article at: http://rismedia.com/2014-11-23/fall-is-for-fireplaces/

Buying a Home in the Winter (BENEFITS)!

Read this article at http://www.realtor.com/advice/buying-a-home-in-the-winter/

Ways to Brighten up your Space when the Sun goes Down Early

Read this article at: http://realtytimes.com/consumeradvice/homeownersadvice1/item/31421-20141103-ways-to-brighten-up-your-space-when-the-sun-goes-down-early

How Much Resale Value for a Garage?

Read this article at: http://realtytimes.com/consumeradvice/sellersadvice1/item/31161-20141016-how-much-resale-value-for-a-garage

10 Ways to Create Your Perfect Bedroom Oasis

Read this article at: http://realtytimes.com/consumeradvice/homeownersadvice1/item/31100-20141011-10-ways-to-create-your-perfect-bedroom-oasis

Was My Home a Good Investment?

Enter your data now at http://money.cnn.com/calculator/pf/home-rate-of-return/ !

October 6, 2014: Going Exotic with Countertops

Read this article at: http://realtytimes.com/consumeradvice/homeownersadvice1/item/30857-20140927-going-exotic-countertops-with-personality

September 29, 2014: 10 Cheap Fixes to Boost the Value of Your Home

Read this article at: http://www.bankrate.com/finance/money-guides/10-cheap-fixes-to-boost-the-value-of-your-home-1.aspx

September 22, 2014: Fifteen Fun Real Estate Facts

Read this article at: http://yourhomeforsale.com/2013/11/fifteen-fun-real-estate-facts.html

September 15, 2014: 30 Tips for Increasing Your Home’s Value

Read this article at: http://www.hgtv.com/real-estate/30-tips-for-increasing-your-homes-value/pictures/page-3.html

September 8, 2014: 8 Ways to Save Money on Your Move and Move In

Read this article at: http://realtytimes.com/consumeradvice/sellersadvice1/item/30228-20140828-8-ways-to-save-money-on-your-move-and-move-in

September 2, 2014: 10 Tips for Buyers AND Sellers of 2014

Read this article at: http://www.bankrate.com/finance/real-estate/tips/

August 25, 2014: Real Estate’s Golden Prize: Why the Web Will Never Outdo Agents

Read this article at: http://us1.forward-to-friend1.com/forward/show?u=4f41542477b1a23075498fcb0&id=646c1f0fb2

August 18, 2014: “Love it or List it” Tips to Help You Decide Whether to Remodel or Sell

Read this article at: http://realtytimes.com/consumeradvice/sellersadvice1/item/30068-20140815-tips-to-help-you-decide-whether-to-remodel-or-sell

August 11, 2014: Five Trends That Make Your Home Smaller Every Year

Read this article at: http://realtytimes.com/consumeradvice/homeownersadvice1/item/29669-20140805-five-trends-that-make-your-home-smaller-every-year

May 19, 2014: Lehigh Valley Expansion

Read this article at: http://www.lehighvalleylive.com/breaking-news/index.ssf/2014/05/lehigh_valley_economy_will_exp.html#incart_river_default

March 31, 2014: Appraisals and Today’s Real Estate Market

Read this article at http://rrein.rismedia.com/items/view/15131/85573/59569?utm_source=newsletter&utm_medium=email

March 17, 2014: St Patrick’s Day: 5 Spots for a “Pot of Gold”

Read this article at http://abcnews.go.com/Business/st-patricks-day-spots-pot-gold/story?id=22917972#

March 3, 2014: Understanding CFPB’s New Qualified Mortgage Rule

Read this article at http://rrein.rismedia.com/items/view/15131/85573/59571?utm_source=newsletter&utm_medium=email

February 24, 2014: Winter Weather Doesn’t Have to Hamper Your Home Sale

Read this article at http://rrein.rismedia.com/items/view/15131/85573/59565?utm_source=newsletter&utm_medium=email

Our Favorite Charity

The Coco Foundation
Funding Research to find a Cure for Childhood Cancers
www.thecocofoundation.org