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There are a few options when selling a home and one of those options is to sell it by yourself, or For Sale By Owner (FSBO). FSBO is a home that is being sold by the owner, without help from an agent. The benefit to the seller is that they no longer need to pay a listing agent a commission upon the sale of their home. However, because there is no agent, the seller is now responsible for all the work involved in the sale of the home. Understanding For Sale By Owner (FSBO) Someone who has little experience in...
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While moving in to a new home is both stressful and exciting, you're probably aware that you'll need to furnish your new place. Below, we've listed seven items to purchase for your first home - there's undoubtedly more, but these are the essentials! Items to Purchase for Your New Home Buying a new home can be a tedious task, even after you get the home. If you are a first-time homeowner, you are now faced with the decision to purchase furniture to furnish your whole home. If this task seems daunting, here are a few things that you should purchase...
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There are multiple ways and reasons to hold a title, which depend on your individual situation and needs. Below, we've listed a few details about the various title designations, to help you in your future home ownership. How to Hold a Title A title provides proof of ownership on a property, in addition to a physical description of the property. It will also have any liens that are on the property in certain situations. There are four different ways that you can hold a title. Sole ownership There are a few ways that you can hold a sole ownership title....
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Why choose New Jersey to live out your dreams? If you are looking for a great place with endless possibilities, then New Jersey is one of the best states in the nation. Also called The Garden State, New Jersey is known for its ethnic diversity, offering a wide array of experiences ranging from food, shopping, and cultural events. Whether you are looking to live in an urban high-rise, a single-family home in the suburbs, a beachfront cottage or a sprawling farm, New Jersey can offer you the lifestyle of your dreams. Why Choose New Jersey? Here's a few great reasons......
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As a buyer, there are always things going through your mind as you walk through a house that could possibly become yours. However, there are some things that you should keep to yourself. Here's a few examples of what not to say during the home buying process. What Not to Say During The Home Buying Process 1. “I love it! This is my dream house!” By saying this, you are giving the seller unnecessary leverage. Telling the seller that you love the house or that it is your dream house takes away your negotiating position. Keep this to yourself and...
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What is verification of income and assets? We're provided a short answer for you in this post...but we'd be happy to tell you more. At Garden State Home Loans, we're a leader in New Jersey when it comes to helping people buy or refinance their home...reach out to us today to find out more. About Verification of Income and Assets In order to get pre-approved for a mortgage, a mortgage lender will need to verify your income and assets. This will help to determine how much of a mortgage you can afford. It will also help determine what your interest...
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It’s the perfect time to find out more about the current New Jersey mortgage rates that are at all time lows following the COVID-19 outbreak. Those looking to buy a home may have fewer options available now than were available in February of 2020. In March 2020, The Federal Reserve took steps to keep money flowing through the mortgage financing system. Since the Federal Reserve pledged to cut short-term rates and buy billions of dollars’ worth of mortgage-backed securities, rates on home equity lines of credit and fixed-rate mortgages have fallen. The rate reductions were designed to stimulate the economy...
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For accurate and convenient New Jersey home loan rates, Garden State Home Loans has the tools for you. Founded in 2011 right in the heart of Cherry Hill, NJ. We’ve expanded our locations over the years, stretching our services to five states and counting. Staffed with hardworking, responsive, detail-oriented, well trained advisers, our foundation is what makes the GSHL “Experience” unique with a diligent expert at each position throughout the company. We offer several kinds of calculating tools to help steer you to the best method possible of securing and handling your loan. Using our live chat, our advisers and...
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Most home inspections cover similar attributes of a home, and common home inspection issues in New Jersey tend to revolve around the type of things caused by our climate and home wear and tear. We get our share of weather extremes, and those frigid winters and blazing summers can take a toll on HVAC systems, plumbing, roofs and more. Not every house is perfect, and even your dream home will require some fixes every now and then. One of the joys of homeownership is accepting this reality and working hard to fix these issues as they arise. During your home...
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If you're interested in buying a condo or townhouse, you may need to budget for homeowner's association (HOA) fees. The key to understanding HOA fees is understanding the services that an HOA provides, and what makes the cost worth it. What are HOA Fees? When you purchase a home in a condominium, townhouse, or another form of planned development area, it is often necessary to join the homeowners association and pay the monthly fee that accompanies the association. In these types of communities, many people live in the same space. That said, all residents are responsible for keeping and maintaining...
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