Seek Or SellSeek Or Sell
Our FOCUS is on YOU
Home is Under Agreement, but we have others…
578 North Street
Enjoy the peaceful setting this 2 Story home with covered font porch has to offer. 3 bedroom 2.5 bath home has it all! Updated Kitchen & Master Suite! Plus, Dining Room, Living Room with gas fireplace, Spacious Family Room with gas fireplace, and office area, Basement, Pool and 2 huge garage sheds. New Stainless Appliances. Situated on an acre of land. Owner will pay some of the buyer’s closing costs at right price!
FREE RABIES CLINIC FOR DOGS AND CATS
Saturday, January 26, 2013
9:00 AM to 12:00 Noon
Township of Hamilton Public Works Garage on Atlantic Ave.
LICENSES MAY BE PURCHASED AT THE CLINIC
Are you a first-time homebuyer and local employee?
Live Where You Work could be perfect for you and your family!
The Live Where You Work (LWYW) program offers homebuyers who will live and work in a participating municipality a low-interest 30 or 40 year fixed-rate first mortgage from the New Jersey Housing and Mortgage Finance Agency together with LWYW downpayment assistance and/or closing costs in an amount equal to 5% of the first mortgage loan. Municipalities must be approved by the Agency to participate in the program. In consideration of the anticipated commuting costs savings, the underwriting guidelines for borrowers’ housing and overall debt ratios (the portion of a borrower’s gross income permitted to be paid toward monthly mortgage payment and other debts) will be expanded by 3% over the usual Agency underwriting limits giving borrowers significantly more buying power. Property location requirements apply.
Contact one of our agents today for more information!
Could homeownership be the next step in your future? Before deciding what you want, figure out what you can afford. Answer the following questions to better prepare yourself for the decision ahead.
- Financially, are you ready to take on the responsibility of a mortgage payment?
Sit down and analyze your current situation to have a better idea if purchasing a home is right for you at this time. Your monthly expenses will most likely increase: with this change, will you still be able to make your mortgage payments on time in the future?
To save on closing costs, you may forego a home inspection, but more than 40 percent of homes on the market today have at least one of the flaws listed below. Beware of these 12 problems, they can cost you long after the deal has been finalized!
1. Cracked heater exchange
2. Failing air-conditioning compressor
3. Environmental hazards (radon, water contamination, asbestos, lead paint, and underground storage tanks)
In the Real Estate market today, homeowners have to go above and beyond in order to get the most out of selling their home. Professional appraisers, whose job is to determine the true market value of your home, know how you should prepare your home for the market now and later. Appraiser Mike Evans, with the American Society of Appraisers (ASA), gives his clients the following advice:
- Refreshing your homes walls and flooring gives interested the buyers an illusion of “new.” Inside and out, a fresh coat of white paint will automatically erase old, cracking paint, sagging wallpaper, and stains and spills.
- The first impression of your home invites visitors inside for a longer look. Amplify your homes “curb appeal” by working on the landscaping, cracks and stains on the driveway, and removing extraneous clutter.
Before choosing a neighborhood, it’s good to take into account the following factors. Depending on your personal needs and tastes, some may be more important than others, but should still be considered.
- quality of schools
- property values
- crime rate
- future construction
- proximity to schools, employment, hospitals, shops, public transportation, prisons, freeways, airports, beaches, parks, stadiums, and cultural activities such as museums, concerts, and theaters
When a home is slow to sell, price is usually the #1 culprit. In the grand scheme of things, anything is only worth as much as a buyer is willing to pay and a seller willing to accept. Even though the economics are simple, the most common mistake sellers make when they put their house on the market is setting a price. More often than not, sellers make these three common mistakes:
1. Price based on need
Pricing your home based on how much you are hoping to profit from the deal means absolutely nothing to buyers or marketplace. Setting a price to pay for your future will almost always fail.