Marc Giles - Mortgage Loan Originator

09/20/2026

"Should I wait for prices to drop in the Bronx?”

Waiting sounds easy, but the numbers can tell a different story.

Across Bronx County, home values are up 5.9% year-over-year. That means sitting on the sidelines hoping for a discount can sometimes mean paying more later.

The truth is, trying to predict the broader market isn’t the best place to start.

Start with your personal math:*👇

1️⃣ Your monthly comfort level
What can you realistically pay without stretching your budget?

2️⃣ Your financing strategy
How much cash do you need upfront while still keeping reserves in the bank?

3️⃣ The property itself
Does the neighborhood, condition, and potential fit your goals over the next 5–10 years?

You don’t need a pre-approval letter in your pocket today just to start exploring your options.

A simple conversation can help you understand what you can realistically afford—so you're ready when the right home hits the market.

💬 Drop your question in the comments or DM me “QUESTION.”

Let’s look at the real data.

Marc Giles | Real Estate

09/19/2026

Stop shopping by price tag alone. In the Bronx, the purchase price only tells half the story.

You can look at two homes sitting at $500,000 down the block from each other, but when the mortgage bill hits, they could easily be $800 to $1,200 apart every single month.

Why? Because the list price ignores the variables that actually drain your bank account:

1. Property Taxes: A brick two-family in Throggs Neck has a very different tax footprint than a property in Riverdale.

2. Maintenance / HOA: Co-op maintenance covers heat, hot water, and building debt—overlook that, and your monthly budget blows up.

3. Financing Structure: Interest rates, loan programs (FHA vs. Conventional vs. SONYMA), and private mortgage insurance (PMI) shift the needle fast.

Before you spend weekends at open houses falling in love with places that stretch you too thin, let's run the real numbers first.

Send a private message or text PAYMENT to 917-721-5415.
Let’s calculate your safe target range so you shop with confidence.

09/17/2026

If your home in the Bronx sat on the market without selling, the worst thing you can do right now is relist it the exact same way and expect buyers to react differently.

Buyers in this city don’t miss good inventory. When a property doesn't move, it usually comes down to three blind spots:

• The Pricing Mismatch: Pricing off wishful thinking instead of closed comps and active competition. If the price doesn't make sense on paper, no one’s booking an appointment.
• Lazy Presentation: Your photos and headline do the heavy lifting before anyone ever steps foot in the lobby or through the front door. If it looks flat online, buyers assume the property is too.
• Ignoring the Market's Feedback: Every missed offer, quiet open house, or repeated comment from an agent is telling you exactly what the market thinks about your price or condition.

Before you burn more days on market, figure out what actually held it back.

Shoot me a message with the word “RESCUE” or call 917-721-5415 for a straightforward Listing Rescue Audit. We'll look at the comps, the feedback, and build a real game plan to get it sold.

09/16/2026

Most homeowners start by asking: "What’s the highest price I can list for?"

The better question is: "What pricing strategy will put the most money in my pocket at the closing table?"

A common trap is relying on online automated estimates or what a neighbor sold for six months ago. But algorithms don’t walk through your front door, and they certainly don’t factor in current inventory competition, specific property condition, or your bottom-line closing costs.

Overpricing often leads to fewer showings, extended market time, and eventual price reductions that kill your momentum.

Before listing your home in today’s market, take a look at the full picture:

Current verified closed comps

Direct competition buyers can choose over yours

A strategic launch price to spur competition

Your true estimated net walkaway

Are you planning to sell this season, or just curious what your property would realistically net today?

Drop a comment below or send a private message with the word “SELL” to start a confidential valuation conversation.

09/11/2026

Tour this income-producing 3-family home at 2016 Lafayette Ave, Bronx, NY 10473! 🏠💰
Highlights:
🛏️ Two 3-bedroom apartments + 1-bedroom walk-in unit
🚗 Private driveway & garage (rare Bronx perk!)
🌳 Fully fenced front and back yards
☕ Walkable to Starbucks, BJ’s Wholesale, ShopRite & transit
Drop a comment or DM for a private showing! 📲


https://www.marcgiles.com/property/784-1048781-2016-lafayette-avenue-bronx-NY-10473

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