Are you a first time home buyer in New Jersey? Do you need more information to make an educated decision for buying a home? Buying a home isn't a snap decision, it is a pivitol time in life, and means that making good decisions when buying a home can effect the life of you and your family for many years to come.
Topics Covered:
Registration required - more information below.
Wednesday, October 14th | 7pm
Clearview High School, 625 Breakneck Road, Mullica Hill, NJ 08062
To Register for this class - View the Class Brochure and Follow the Instructions or contact Steve for help.
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5k RunSwedesboro / Woolwich Day 2009 begins with the 5k Dragon Race at 8AM. There is also a 1 mile walk. These two events benefit the Nathaniel Boerlin Scholarship Fund, a scholarship given to a deserving graduate from Kingsway Regional High School. (NateRocksHeaven.org)
The Swedesboro / Woolwich Day Car Show is held at the south end of King's Highway. With a dozen different categories, your classic or hot rod has a place to fit in. Pre-registration ended 9/12, but you can still register the day of the show for $20. Parking starts at 10am.
There is great variety regarding the vendor stations; real estate, local professionals, chair caning, churches, crafts, hardware, and of course plenty of food!!
For more information check out SwedesboroWoolwichDay.com
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For first time home buyers in New Jersey and many other states, the first time home buyer tax credit not only gave some incentive to purchase a home, but it also gave them the availability to purchase homes they otherwise could not have qualified for. Let me explain.
Most states, if not all, have first time home buyer mortgage financing programs. In New Jersey, we have the New Jersey Housing and Mortgage Finance Agency (NJHMFA) that offers first time buyer grants, first time buyer mortgages, and a handful of other great options. In Pennsylvania, there is PHFA.
Many of these finance agencies made available a way to utilize the federal first time home buyer tax credit to buy a home. I'm not talking about settling on a home and getting the tax credit sooner through a revision of 2009 tax returns. I'm talking truly using the federal tax credit money for a down payment and/or closing costs. In New Jersey this is known as the Tax Credit Loan Program, or The "Prefund" Program.
There are several benefits to this program that make it a great option.
For some first time buyers who's price range is near the lower end of the market, these seemingly small differences make a huge difference to their buying power and loan approval. In 3 of the 4 transactions I personally have originated using this program, these differences were enough to allow for approval. That's three extra buyers this market may otherwise have not seen! That is GREAT news for them!!
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This summer while at the Cape May Zoo, my kids and I came across an animal out of a cage. I presume this guy hangs around and keeps the pests away.
The best part here was the completely fearless attitude they had when this snake started moving directly towards them. My son had no second thoughts and wanted to pet it, and his little sister decided it was a good idea to get out of her wagon and walk up to it. NO FEAR!!
Reflecting on this, it shows how these little ones have no fear, and how we learn fear; We learn call reluctance. We learn bad organization. We learn procrastination. We learn it by allowing it to take place and allowing it to become a habit. If not combatted, it can become who we are.
Once we recognize an issue within ourself, we can then decide to remedy it. Most find it best to pick each habit off one-by-one. We don't learn bad habits instantly. And they don't get fixed instantly. Making grandiose plans to remedy everything in our lives all at once can quickly become a nightmare. Remember KISS - Keep It Simple Stupid.
One great benefit of the KISS method is that you gain momentum more quickly from overcoming an obstacle, and it propels you on to new things. Ok, enough reading - now go pick one thing and get on your way! If you want extra accountability, put it in the comments below and I'll follow up with you to make sure you are still focused.
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East Greenwich Day 2009
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Cell - 856.419.3561 | Offering all loan options - Specializing in NJ First-Time Home Buyer Mortgage Loans and down payment assistance programs for New Jersey, 100% Financing, Reverse mortgages.
One of Steve's primary focuses is to work with First-Time Buyers. Steve knows the fears and concerns that come with someone just starting out in life, and his business has focused on first time buyer mortgages and grants for years. It is important that first time home buyers understand all of their options such as the specific mortgages currently available, home buyer grants, seller concessions, the credit scoring model, tax credits and more. It is also important to understand how these options can all be used together to create a successful home purchase.
Some of the first time home buyer options are;
Steve has extensive knowledge regarding credit restoration, and has trained for the specific occupation of a credit restoration specialist. The credit advice that is offered, although very valuable, is free to mortgage clients. Check out some of the articles Steve has written on understanding the credit scoring model and how to improve your credit scores.
Graduate: Certified Mortgage Planning Specialist Institute(CMPS). To learn more about CMPS, check them out at http://www.cmpsinstitute.org/
Specialty programs
"I am very grateful to you for taking the time to help me (fix my credit) even though I am doing the work. The fact that you have laid out the steps for me to follow is the best thing that anyone has ever done for me. It is easier to understand now what I need to do to get to where I need to be. Before reading this and talking to you, all I honestly knew was that as long as I paid my bills on time and got them under the limits my score would go up. Having the whole equation makes it so much easier. Thanks again!" - H.S.
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Good service is hard to find, and I believe that your firm has really done an outstanding
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alone is a big deal"
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everything."
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complaints."
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because I would really like to fill a nice one out for a change!:)"
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This information is provided to assist Real Estate Professionals and is not intended as an advertisement to extend Consumer Credit as defined by Section 226.2 of Regulation Z. Quoted Interest Rates, Fees, and Programs are all subject to change without notice and are subject to errors, omissions, changes, and/or withdraw at any time.
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