Archive for August, 2007
Laugh Out Loud
August 30th, 2007 category: Buyers, Real Estate News, Real Estate PhilosophyNo Comments »
I had a “laugh out loud” moment this morning, when perusing NYC and
Long Island, NY blog posts.
I happened upon a Corcoran blog, presented by a NYC agent, that offered
suggestions to buyers of real estate in New York (my amusement would have remained the same regardless of the source).
While this is a noble subject, it was rather like reading the solution for red
wine stains in the absence of red wine- with all due respect, there is only
way to provide integrity to the buying public, and words and advice just
DON’T CUT IT.
I am happy to enjoy ANY articles related to buyers in our state of New York, provided that it is offered by a buyer’s agent. In the absence of such a fiduciary, the rest is just an empty bottle, with an agenda that reeks of old time content.
The true measure of any commitment to a home buyer in the state of New York requires that the real estate community, whether it is on the East End of Long Island or in our fair city of New York, jump to the call of the consumer by offering FULL FIDUCIARY to the buying public.
It’s been appallingly absent, and shows little progress- while a few companies are jumping on board, the time that it has taken speaks volumes about the lack of real commitment to this consumer- the lifeblood of our tottering industry, and the heroes when the market is “hot”.
Perhaps my sensitivity chip is too vulnerable- the ongoing agency performed for the seller (except- oops- no mls, either in SOME areas) by both real estate parties involved is…overly sensitive? Insulting a buying public who has been tossed (as a second class citizen) into the cellar of real estate by offering “tips” is ludicrous. You didn’t care that their interests had been largely ignored last week; you don’t care now, or you’d be offering up some FIDUCIARY to this critical contingent.
The “stain” of your reluctance is going to be acknowledged by the public in increasing numbers, and there will be no quick-fix solution for you at that point- more empty blogs, perhaps?
This is not new. This “buyer agency” thing has been around for YEARS. If you represent the seller while working with a buyer of property in New York City or areas without buyer agency, there is absolutely NO CREDIBILITY. NONE.
Laughable, but not surprising- with a general misunderstanding across the board with respect to fiduciary, what’s one more empty bottle?
Just another opinion of Options Realty, REPRESENTING BUYERS ON THE NORTH FORK OF LONG ISLAND, with a full comprehension of FIDUCIARY. The North Fork of Long Island- a paradise!
Summer’s End on The Northfork Doesn’t End the Fun!
August 29th, 2007 category: People and PlacesNo Comments »
The end of summer on the North Fork is bittersweet for me every year- as those with children prepare, I find myself with recollections of my daughter anticipating a new school year, with trips to Office Max and the mall; each trip with a child that grew; and ultimately, grew up.
Having fall approach stirs more than the gently turning leaves; it often has accompanying wistfulness for the years gone by, children long gone.
It was with delight and interest that I noticed the abundance of offerings in Southold, New York for the “rest” of us. The absence of the summer crowd leaves a quiet, rural town with tourism still quite strong in the fall as corn mazes and pumpkins greet the arrivals, but I’d never quite realized how much it offers adults, as well.
The Town of Southold Fall 2007 Recreation Program and Activities arrived in the mail, with offerings for those living in Cutchogue, East Marion, Peconic, Fishers Island, Greenport, Laurel, Mattituck, Orient, New Suffolk, and Southold, New York.
For those of us that can’t quite let go of the gardening season, a Plant Talk landscaping class ($40.00 fee), held from Sept. 20 through Nov.8 on Thursdays from 7-8:30pm will provide input and discussion for next year’s landscape design, lawn care, perennials, etc. will be led by Jean Jung. Classes will be held at Southold High school, room #102.
Keeping the dream of the ultimate garden alive is appealing to me- and I’ll get home early enough to see who was booted off on “Survivor.”
While I hate to admit that I have an ill behaved puppy, perhaps this fall will change that. From Sept.12-Oct 31, Wednesdays from 6:45-8:00 p.m. may just fix this issue. Dog Obedience, with Dan Gebbia, will be available for our renegade puppies to…conform (at least, somewhat, I hope). The cost is $70.00 per dog, and will run from Sept. 12-October 31. It will be offered at the Southold Town Recreation Center. French Cooking Made Easy (I don’t believe it, but I can barely butter toast) and Fall Cooking and Baking courses are available for those that enjoy the culinary arts: Martine Abitbol will be heading up the French connection from Sept.19-Nov.7, from 6:30-9:00p.m at Southold High school, room#13; cost:$65 per person. Paula Croteau, in the wonderful yellow house at 1450 South Harbor road, will inspire her students with a series of offerings- call for details: call 765-5182.
In addition to the above, there are exercise classes, navigation classes, bus trips to NYC, mature driving classes, blood drives, dancing classes (tango anyone?), computer classes, and yes, activities for the kids, as well. Visit the site to explore the fall possibilities at:http://www.southoldtownrecreation.org., or call 631-765-5182 for more info.
Options Realty, your real estate blog site covering the North Fork of Long Island, New York: vacation properties, rentals, sales, and conversation!
The Perfect Real Estate Team!
August 25th, 2007 category: Buyers, Riverhead Real Estate, Sellers, Southold Real EstateNo Comments »
If I were selling a home right now, I’d want above all else, an HONEST ASSESSMENT. Not only an honest assessment, but the convenience, should I agree to the encouragement to get my home market ready, of having handy referrals for handy men. Or, women.
As a very competent and appropriate representative of your asset, my ability to relate and converse (and sell to) your propective buyer is predicated on GETTING IT RIGHT. If understanding that your asset requires the input of others, it’s ultimately (for you) worth it. We have a fiduciary relationship, you and I.
We decided, in our arsenal of ongoing ideas to market a home, to include free of charge, a staging consultation. We love Val at www.staged2sellny.com and she is a part of our TEAM. As a result, part of YOUR team. She’ll offer advice on how to change your home from YOUR home to a home to SELL (different destinations).
Need us to provide you with estimates for any items that you choose to do (paint, handyman work)? No problem- we redid our kitchen, living room, and dining room last year. We were able to meet some good people locally, if it’s not something that time permits for you.
I’d do it myself, but I never get painting right, and really don’t enjoy it. I need a team, and when you list your home with us, you get one.
The climate in which homes enter the market right now requires just a bit more attention, as buyers ponder without action. We are working with home BUYERS, not investors.
Additionally, home buyers have come to expect either a nice discount, or something that APPEALS to them on a level that provides market value for THEM. In order to maximize your value, it’s wise understand that expectations on your side are expected; but the expectations of the buyer is what will sell your home.
So, who’s missing? Ahhhh- the attorney. Here’s what we need, and this perNYstaterealestatelaws is not “legal advice”. We ALL, lawyer included, want COMMUNICATION. You deserve it from us; we deserve it from your lawyer, you deserve it from your lawyer. THERE IS NO TEAM WITHOUT THIS ELEMENT.
Lastly? When your home sells, understand that the dated notion of seller ruling the roost is dead. Not because Realtors wrung its neck, but because the balance shifted. We strongly advise a home inspection prior to listing the home. You need to have an awareness of what may impact your net proceeds before the home hits the market.
So. You have the honest assessment, the ability to get your home market ready yourself or with help, you have an attorney that is reviewing paperwork with respect to all, you have a marketing representative, AKA, Realtor, ready to get to work.
Any questions?
Options Realty: Call us to assist with your home in Riverhead, Jamesport, Calverton, Baiting Hollow, Mattituck, Peconic, or Southold, New York. Your North Fork Realtors.
For Sale By Owner Alternative
August 24th, 2007 category: Real Estate Philosophy, Sellers4 Comments »
There are some consumers in the current real estate market that make the decision to go it alone, using the FSBO alternative (For Sale By Owner). Coming from the mouth of a real estate salesperson, my suggestion is: GO FOR IT.
I would much prefer that you call me to list your home. But, choices are available for those that would prefer to experience the process themselves. If you make this decision, especially in New York, you have the opportunity to wade through the less interesting (but critically important aspects) of your transaction with the assistance of your lawyer- the contract itself, various addendums that form additional caveats to the agreement, etc.
IN NEW YORK, REALTORS HAVE DECIDED, FOR THE MOST PART, NOT TO INVOLVE THEMSELVES IN THESE IMPORTANT ASPECTS from a fill in the blanks form. They CAN; they DON’T.
In observing attempts of homeowners to expose their properties, PRESENTATION is often lacking. This is very easily overcome by ordering PROFESSIONAL signage. Hit real estate signs on the internet, and any and all manner of signage for a FSBO will appear. Get consistent colors, with quality that will sustain weather.
A FSBO sign that looks…unprofessional makes a house appear less than urgent. Order signs that can be placed in the form of directionals- a small lead in on a busy corner (arrow) will increase interest. Be sure to obtain the permission of the property owner that will permit your small directional- while it’s true that the town owns a piece of our front yards, it’s courtesy that counts.
Obtain a web address for your property, i.e., GoDaddy. GET PROFESSIONAL, AND ABUNDANT, PHOTOGRAPHS. The more that your audience can understand the property, the better. Lousy photos negate the benefit of the Internet.
Utilize the available Internet opportunities: Zillow, Trulia, and CraigsList offer exposure. While the FSBO sites are also in abundance, my concern with these sites involve personal opinion- to expose your home only in this forum will bring you individuals that may be looking for a great buy via FSBO. You want individuals that want YOUR house, irrespective of real estate company involvement, at a price that is MARKET VALUE.
Here’s the kink with the process, which has nothing whatsoever to do with the real estate contingent: very often, FSBO buyers want a “steal”, and are very aware that you are not paying commission to an outside source. For this reason, if you find yourself with an offer, accept it only with an understanding of why the purchaser has arrived at their price. Have the buyers provide you with the comparables that compelled their offer, so that you can determine if you have a “real” buyer, or someone seeking to “steal” a property.
Get an inspectionperformed on your property BEFORE you list it. When arriving at an asking price, it’s imperative that you have a grip on the items that may well come your way when an inspection occurs- this should be taken into consideration when pricing your home.
Make sure that any offers have a pre-qualification letter from a bank. While often not worth the paper that they’re written on, you need assurance that your buyer has undertaken the lending process. Get permission, in writing, from the purchaser to speak directly with their loan officer. Your attorney will likely require a date for loan approval (as your real estate agent would)- don’t take it lightly.
Paying a real estate commission to a broker is an expected expense in the market. For that reason, if your property doesn’t sell after your efforts, or you determine that going it without the back up of a real estate company is just…not your thing, we’d love to hear from you- call us with any of your real estate needs or questions!
A Riverhead, New York Festival Kicks Off A Saturday
August 22nd, 2007 category: Downtown Riverhead, People and Places, Riverhead Real Estate1 Comment »
When people visit our east end of Long Island, whether to consider moving here, or simply for a summer getaway, the offerings are abundant every weekend. This Saturday, we decided to visit the Riverhead Polish Fair. It occurs every year in Polish Town, Riverhead, New York, and it sounded like a fun adventure.
Parking at Riverhead High School, we made our way through the festival, noticing the green lawns of charming homes that are offered in this unique area- while small, their reminder of another period in time is very enticing. The lot sizes are small and easy to manage, and the decorative accents outside offer a warm feeling of cared for homes.
We were delighted at the abundance offered at this festival, and came to understand the large crowds that it draws each year. In addition to watching the Little Miss Polish Festival contest, with little girls adorned in the dresses of their ancestry, we ate…and ATE. The food offerings are amazingly rich, and the smell made it very difficult to pass each station without a good look.
Vendors throughout the festival offered anything from a “fake” designer bag, to those little creatures that fit, one inside the other- the name escapes me, but I love opening each one to discover the littlest wooden surprise. Scarves, sweaters and an assortment of clothing were found in abundance.
Noticing a wind as we finished up our visit, we decided to engage in another favorite activity after the festival- sailing. After getting rigged up, we headed out into the bay- the winds were amazing. In an odd weather idiosyncrasy, it was actually chilly- a welcome respite from the typical summer heat.
And thus, a typical weekend on the east end of Long Island- festivals, tag sales, great food, sailing…makes me wonder how I could live anywhere else!
Plant Ice…Harvest Wind. Here on The North Fork?
August 17th, 2007 category: Real Estate News, Real Estate Philosophy5 Comments »
Like you, I’ve been watching the sub prime debacle. The result of my observations (a laypersons view) is that the current mortgage company collapse involves a whole lot more than the issuance of mortgage loans to borrowers with shaky credit. I know how to assist consumers when they try to GET a mortgage; I know NOT the inner machinations of the banks in their current state.
Evidence: the recent collapse of American Home Mortgage. This is not a company that made its money on sub prime mortgages- this is a company that more often than not, carried “A” paper (good borrowers).The feeding frenzy of home buying for ANY home buyer, good credit or not, offered a myriad of “creative financing” options.
Those with good credit sometimes submitted no doc paperwork; they were able to borrow beyond a capacity that now permits escape from increased loan payments due to a rate that is adjusting (enjoined with the property value that has declined) and there is NO WAY OUT for those that need to sell, short of, well, a short sale or foreclosure.
While the world watches to see the outcome of Countrywide Mortgage (who is currently intimating some pretty hefty financial burden), those that are in the process of obtaining loans are holding their collective breath- is my company next? And what of the zero down programs; the limited doc programs; the teaser interest rate that captured our attention to purchase above our established price range?
The good news is, 100% financing is NOT GONE. The bad news is: limited or no doc loans, regardless of your financial ability, have seen (for the moment) their glory days. Remember: I’m viewing this as most do; perhaps your study of the current problem is well beyond my view. Because, to me, the problem was NEVER in lending money to less than stellar credit. Fraudulent practices are not unknown in the mortgage industry to accomplish a closing, and borrowers with “issues” have borrowed for YEARS. The problem fell to consumers and lenders engaging in a mutual decision to borrow more than they could afford in a market that would CHANGE.
Knowing this, we will all (real estate agents and consumers alike) write this off as history, in time. In the meantime, the mess has additional “ISSUES”.
Banks that are dealing with ONE foreclosing customer are challenged; the current assault has them swamped. Unprepared, calls are left hanging; customer service is out the window; and frankly, they can be MEAN to deal with. Add to that out of state lenders operating on faith with an appraisal that is skewed, due to fewer sales and older pricing- what a mess.
What will (in my view) happen is that creative financing will take a temporary leave in favor of more traditional standards- ratios will matter (ratios obtained from pay stubs and tax returns); rates of a permanent nature will be more interesting to most than adjustable rates (which are attacking
their owners now), and buyers will understand with clarity the amount that will be acceptable- buying “within their means”.
We can now surmise with caution that our government, seeing a return to traditional, will lower interest rates and offer some incentive for a decreased buying public. The month of October in my earlier years of selling real estate often offered a break when rates were on the way down- I’m very curious to see what this year brings as rates edge upward.
MONEY DOWN WILL STILL BE MONEY DOWN- down payments “talk”. Latitude will be afforded those that offer the banks a possibility of equity
should the property foreclose- 20% being the minimum. Not a bad idea, to cover yourself with an equity loss through the form of a down payment for a home that you plan to keep for several years.
In the meantime, strong borrowers will likely borrow what is, on paper, affordable- no more, no less.
SELLERS ON THE NORTH FORK, LONG ISLAND: I WAS LOOKING AT YOUR HOUSE
August 15th, 2007 category: Buyers, Real Estate News, Real Estate Philosophy, Riverhead Real Estate, Sellers, Southold Real EstateNo Comments »
You’ve no doubt heard much about the ACTIONS recommended to appeal to a home buyer- staging, new paint as needed, handyman work, clutter gone. Very important to the process. Remember, though- that is often the SECOND (albeit most important) person to consider.
Sometimes, the prospective buyer is my client. The result of
this is an initial narrowing down via MLSLI (the Multiple Listing Service of Long Island). As it is a preliminary search initially to get a “feel” for what the buyer might desire, it is incumbent upon me to provide nice homes so that the buyers trust my judgement.
Tonight, I searched the mlsli, and have selected a few properties to add to a list that is being emailed to the client. The properties have been viewed only in pictures, so let’s start there. In the interest of time, properties without multiple photos generally get a cursory glance, but are revisited after seeing homes of interest that have multiple photos. Because there is a fair amount of inventory, if my list is complete before the revisit, it will be reconsidered after we’ve seen houses that have shown me MORE- it’s much easier to narrow down with photos.
Another consideration is the exterior photo. You’ve heard it
before, but it really does MATTER in the initial stages of a search. It again provides me with the opportunity to take an initial meeting with someone and complement it with properties that, at least from the outside, offer some kind of charm. When I’m in a certain price range, with only photos to go by, the limitations are obvious. Unfortunately, looking at all of the houses on an initial visit with a buyer is not realistic (or wise). As a result, anything with less than an average street appearance may fall off the
list; a house with a cared-for look will be at the top.
The next step is setting up a “preview” of the selected homes, to determine if I missed something important. This comes from having once, early in my career, brought people that desired a lush yard to a perfect home that had nothing but rocks, little pebbles, landscaping both front and back. Not good.
The preview part involves taking a look at showing restrictions. If I have a few extra houses on the list, the first tossed from the initial appointment with the buyer will be those that have stringent and limited showing ability. Remember, we have (at this initial meeting) limited time to develop a mutual decision about whether we will be comfortable with one another, the buyer and I. Hassles with showings create an issue that often doesn’t need to be present- I value their time, with limited opportunity to prove
it.
The initial preview will be short and painless- just a quick look around, making mental notes about what to talk about with the buyer. Knowing the property to the extent of having seen it is a huge help. There is also a real effort, always, to value the time of the seller and be prompt- this could be the seller that will provide the house for my buyer.
While most sellers have a good feel for what a buyer is looking for, know that
there are additional considerations when you are selling a home on the North Fork of Long Island. Hopefully, this provides some information on what goes through the head of a buyer’s agent- and assists you in understanding the process just a little bit better.
When a good fit between the buyers, the market, and ourselves occurs, additional properties will be presented as needed. Rather than offer any limiting factors, after our initial meeting I will have a good indication of what to
search for, should the buyer not make a decision during our initial visit. The criteria may be adjusted, and at that point…THE SEARCH IS ON!
WELCOMED CHANGE IS HERE…DO YOU “GET IT”, NORTH FORK REALTORS
August 10th, 2007 category: Buyers, Real Estate News, Real Estate Philosophy, Riverhead Real Estate, Sellers, Southold Real Estate1 Comment »
A Note To North Fork, Long Island Realtors…
On Behalf Of The Home Buying and Selling Consumer: fiduciary duty: a trustee’s responsibility to act solely in the best interests of the owner or beneficiary of the trust.*
As a professional Realtor, this definition is a large part (in our opinion, the core) of your willingness to partake in the the advantages of being a part of a larger network of real estate professionals that choose to utilize the MLSLI, and separate yourselves from being a “real estate agent.”
When joining the Long Island Board of Realtors, one of the advantages is the ability to share your listings with all other Realtors, hugely increasing the possibility of locating a buyer for the property. In the interest of the buying and selling consumer, this is an advantage that cannot be ignored- it is in THEIR best interest, and as a result, provides the security for them that you are, indeed, up to the task of fiduciary.
ARE YOU, REALLY? This question is not posed to insult; rather, it is posed to provoke thought on the part of those Realtors that find themselves new to the MLSLI/Long Island Board of Realtors, and brand new to the expectations that are GREATER than the expectations that have been acceptable in the North Fork for too many years by local brokers of real estate companies.<
The challenge is larger than most can imagine for the North Fork Realtor. You likely work for a broker that eschewed the practical reasons to utilize the MLSLI service for YEARS, creating a disadvantage for the home selling consumer, in direct opposition to the new direction and requirement to put YOUR FIDUCIARY responsibility with your clients at the forefront. You’ve learned that “getting both ends” of the commission is better, somehow- a very poor bit of advice for a Realtor in our opinion, but common practice for a real estate agent in the North Fork.
If you’ve found the MLSLI to be an advantage for your consumers, PLAY STRAIGHT. It’s simple: LEARN ABOUT THE RULES, AND FOLLOW THEM TO THE LETTER. Use your own common sense, get all houses in the MLSLI immediately (as soon as the house is ready) and look FORWARD to the calls for showings. FORGET ABOUT COLLECTING BOTH SIDES OF THE COMMISSION. If it happens, it’s (opinion) problematic. Here’s WHY:
BUYER REPRESENTATION IS UPON US. IT’S ABOUT TIME, NEW YORK. Homebuyers in New York, unlike the majority of the country, have essentially been “on their own.” Your participation in their purchase has been merely a conduit- nothing more, as long as your allegiance was with the seller. THIS IS NOT THE CASE IN MOST STATES. In fact, it is the case in only a tiny handful- the rest of the country jumped on board with enthusiasm YEARS AGO, recognizing that allegiance to the consumer, regardless of which side of the fence their needs fell on, required specialized attention to the details of the transaction from the consumer perspective. FIDUCIARY- it’s now your JOB. Disclosure requirements came about for a very good reason- learn about this here.
As representatives in the real estate community serving the consumer, embracing changes (rather than the ongoing battle on the east end to do things “our way”) has no place in today’s real estate venue. It is the opinion of Options Realty, and innumerable entities outside of New York, that real estate is a CONSUMER AGENDA. It’s not about commission. It’s about doing a job well, providing fairness at all times, and cooperating with others in our field to accomplish a goal: SELLING A HOUSE.
Incredibly, it’s FUN to sell houses in most areas. Because the Realtor contingent takes the outcome of consumer experience with a cooperative understanding of the fiduciary spirit, guess who ISN’T present in most areas? YUP- the attorney contingent. There’s no need, with Realtors that put FIDUCIARY first on both sides. Explain that to a NY attorney, and you’ll get a litany of reasons that their presence is ESSENTIAL, but folks, it’s NOT. FOR NOW, a necessary component in New York. But who knows, with the advent of full understanding of FIDUCIARY on both sides of the transaction, it may reach the point, where it has in the majority of the country, that consumers may opt NOT TO INVOLVE an attorney, because the representation that they are receiving from the agents on both sides is stellar. Now, wouldn’t THAT be nice…
At Options Realty, WE LOOK FORWARD TO WORKING WITH YOU, AND WITH YOUR BUYERS AND SELLERS. Try hard to put FIDUCIARY first, because as participants in your transaction (buying or selling side) we understand and respect your position with your clients. Once it becomes habit to be “in your client’s shoes”, everything falls into place. Those that just “don’t get it” will be reported often enough to be GONE. JUST OUR OPINION at Options Realty…
Saturday morning in Southold, New York…
August 10th, 2007 category: People and PlacesNo Comments »
A sunny Saturday morning in Southold, New York is a day that I relish. While weekdays are often packed with things to do in the North Fork of Long Island, Saturday for me is special in the summer.
This Saturday, the North Fork was full of tag sales. It’s in the Yard Salers Corner section of the Suffolk Times newspaper, right after the real estate section. In the summer, there are two full columns of enticement, and this Saturday was no different.
Some people in the North Fork take these tag sales very, very seriously. It was last year when we dined at Cliff’s Elbow Room that we overheard a group of people discussing their “strategy” for the following Saturday morning. We’re talking HARDENED TAGGERS.
The thing is, the early bird absolutely catches the first worm. I know this, because just as I’m pulling up on the dot, someone is leaving with an item that I want. Every time. This gets the pulse going early- jumping out of the car and nonchalantly speeding up my walk to view the “goods”, often up a winding woodsy driveway.
I don’t know if it’s the odd camaraderie (saying hello to the same “taggers” at each sale) or the quiet mood of these sales, but it’s FUN. It’s also relaxing. This, without mentioning that the sales held by centuries old families of the North Fork (or, the artsy NYC contingent) have GREAT THINGS. These are not your ordinary sales. The occasional baby sale notwithstanding, it is COMMON to locate vintage linens in perfect condition; antique fine china in full sets, no cracks; antique dressers for thirty bucks (solid wood with the mirror intact, and little drawers just below the mirror frame)- just GREAT STUFF.
Returning home by 10 a.m., you’ve seen your “friends”, found some steals, and had a terrific Saturday morning along the way…and some eggs over easy in that $200. frying pan that you found, still in it’s box, for a buck!
The North Fork, Long Island Flavor…
August 1st, 2007 category: People and PlacesNo Comments »
One of the great things about living and working on the North Fork of Long Island is the variety.
Much is said (deservedly) about the vineyards, the farm stands, and the beaches of our towns. But there’s much more. This week, a quick profile of some favored local spots:
Everyone finds their favorite “hot spots”, and mine include such diverse places as the Making Waves Hair Salon, The Southold Historical Society, and a new found deli that happens to be right on the way to the marina that houses our sailboat, Greenport Heights Delicatessen & Cafe.
I discovered Making Waves in Cutchogue, New York when I was brand new to the area, and absolutely love this salon. From the regular customers to the personality of the staff, it’s a relaxing way to spend what would normally have me feeling impatient (I’m not a high maintenance sort). Owned by Denise and Karin, the place really belongs to Hot Dog Frank (Frank, to his friends) who is the mascot of the salon. His toys are everywhere, and Denise spoils him rotten.
The result of his ruling the roost is that he is beloved by the customers, and has a sweet, welcoming personality. Combining Frank, great haircuts, a nice clientele, and wonderful owners make for a great North Fork experience. MAKING WAVES, CUTCHOGUE, NEW YORK: 631-734-7881
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