Michael Formisano Realtor Associate

08/05/2026

Mortgage rates are influenced by many elements, including the inflation rate, the pace of job creation, and whether the economy is growing or shrinking.

For mortgage interest rates, Federal Reserve policy has an indirect influence. Mortgages respond to market forces, including Fed monetary policy.

07/24/2026

How can the average person make sure their air conditioning system doesn’t get overwhelmed or shut down? And how can you do that without racking up a massive energy bill?

Discover effective strategies to maintain your HVAC system’s efficiency and keep your home cool after a heat wave, as advised by industry experts.

07/17/2026

Every word you say is being noted, weighed, and sometimes reported straight back to the seller, and a few careless comments can quietly cost you thousands of dollars before you ever make an offer.

Walking through an open house feels casual, almost like browsing a store. There's a listing agent smiling near the kitchen island, a stack of flyers on the counter, maybe some cookies baking in the oven for effect. But that relaxed atmosphere is deceptive. Every word you say is being noted, wei...

06/06/2026

06/02/2026

Jake has the life

05/15/2026

Oh my! That April CPI! Inflation surged on higher energy prices, which affect a lot more than just gasoline and jet fuel prices (airline tickets, fertilizer, etc.) So far the housing market is showing resilience, but there is little doubt that higher mortgage rates are keeping spring/summer transaction volumes muted.

National news and local views for the week

05/15/2026

Want to make your Toms River or Ocean County home more convenient, secure, and energy-efficient without spending a fortune? These 2026 smart home devices top the list: smart thermostats that lower your bills, voice-controlled lights, affordable security cameras, and robot vacuums that actually work well.
Many homeowners start small (one or two gadgets) and see real savings on utilities plus added peace of mind. Perfect for busy families or anyone who wants their home to work smarter.
Which smart upgrade are you most interested in trying — thermostat, lights, security, or something else? Tell me in the comments!
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Here's The Home Depot's recommendations for the best smart home devices for 2026. Upgrade your living space with top tech and home automation innovations.

05/14/2026

First impressions matter — especially in Toms River and Ocean County! These 2026 front yard trends focus on expressive entrances, layered planting with texture, naturalistic hardscaping, and smarter low-maintenance designs that look great without constant work.
Small updates like fresh mulch, strategic lighting, or thoughtful plant choices can make your home stand out (and add real value if you ever sell). No big budget required — just smart, intentional changes.
Which curb appeal idea are you most likely to try this season? Share your favorites or current projects in the comments!
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Your front yard gives an important first impression, so it's time to take it to the next level. Here, some of the top trends for 2026 to help guide you.

05/13/2026

New to homeownership or thinking about buying in Ocean County? This practical guide covers budgeting for surprise repairs (plumbing, HVAC, appliances), setting up maintenance routines, and avoiding common first-year mistakes. Great read for anyone making the jump to owning a home on the Jersey Shore.
What’s one question you have as a new or future homeowner? Ask away — happy to help!
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You've saved up for the down payment, but if you're a first-time homeowner, you may be surprised to learn about other major unexpected expenses for your new home.