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One of the biggest challenges of moving is figuring out how to buy and sell a home at the same time. The problem arises when you already own a home, but want to buy a new home to move into. You can’t ever be sure of the exact date when your existing home will sell, and you don’t...

Fully Approved for a mortgage – great!  If so, with Full Loan Approval in hand the next step is to choose the best neighborhood to set down roots. For this step, your real estate professional can be a valued resource.  If you haven’t selected a realtor and need...

As a first time home buyer in New Jersey, obtaining mortgage approval should be the first step in your search. Prequalified or pre approval may lead you to believe you are on the road to the home of your dreams, however, these terms are misleading. Having pre approval or pre...

Completing a successful home purchase takes a series of steps that includes the gathering of “people resources.” You can’t do it alone. Others will automatically need to become involved in your home buying, so it makes sense to take a proactive approach since it’s best to start...

Whether you’re seeking a mortgage for a new home purchase or looking to get a construction loan, your credit score plays a large part in your plans. The higher your credit score, the better off you’ll be; a high credit score can get you better financing terms and lower interest...

Your credit report and credit scores are a major part of your mortgage application.  In fact, they help determine the rate of interest you pay on your loan.  And since the rate of interest drives your monthly payment, managing your credit report so it produces a high score is...

Wedding planners will tell you, to have a successful wedding it’s important to begin the planning process months in advance of your special day. Preparing for the next phase of your life together – Homeownership – is not much different. In fact, home buying experts suggest that...

You just located a home in a great neighborhood but it’s in desperate need of renovation and modernization.  Your contractor estimates about $100,000 in upgrades in order to make this the ideal home for you.  But since you have barely enough funds to cover the down payment, how...

If you’re not behind on your mortgage payments but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through the Home Affordable Refinance Program (HARP). After the real estate crash, many New...