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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... read more →
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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.... read more →
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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... read more →
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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... read more →
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Garden State Home Loans is the professional team to call for New Jersey home loan information. Our office is based in Cherry Hill, and we’re dedicated to the best service for both New Jersey buyers and residents interested in refinancing. We offer the lowest industry rates and closing costs, and our staff is available from 9:00 AM to 9:00 PM, seven days a week, to field your calls and answer your questions. Our focus on NJ customers and personalized touch is the difference that our clients love! If you like, you can start here with our mortgage and amortization calculation... read more →
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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... read more →
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Do you need to choose between pre-approval vs pre-qualification? The two sound similar in nature, but there's an importance difference between them that you should be aware of when buying a home. Pre-Approval vs Pre-Qualification - The Difference Pre-approval is not the same thing as a pre-qualification. Pre-qualification is the first step in the mortgage process. During this step, you are giving a bank or lender an overall financial picture. This includes your income, assets, and debt. After evaluating your situation, the lender can give you an idea of what you qualify for. However, this is not a guarantee! This... read more →
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Are you using a local lender or one of those nationally advertised mortgage companies? We have all heard the term "shop local" but what about your Mortgage? Garden State Home Loans is a local company with roots in the communities we serve. 1. Local Lenders have local connections. When putting in an offer on a home, the listing agent will take your mortgage lender into consideration. Real estate agents often have preferred lenders that they’ve built strong relationships with, so going with a local lender boosts the chances of having your offer accepted! 2. A more personal experience. Local lenders... read more →
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With a limited supply of houses and a large pool of buyers, its no surprise that bidding wars are becoming standard procedure. As a result of this, buyers must constantly be on their toes to ensure that the home of their dreams doesn’t slip through their fingers. While preparing to counter other offers won’t guarantee that you secure the house, it’s wise to construct a plan of action for when the time comes. Keep reading to get the scoop on what some of the best strategies and tactics are for winning a bidding war. Increase your Offer The best way... read more →