About Warren County, NJ

Warren County Mortgage Loan Programs are abundant at this time, as there are a variety of available loan options for first-time buyers, those "upsizing" or "downsizing", or those who simply wish to refinance their existing mortgage. Warren County Mortgage Loan Programs include and are not limited to: FHA Mortgages, VA Loans, Fannie Mae Loans, Adjustable Rate Loans, Jumbo Mortgage Loans, and Stated Income Loans. We will review briefly each type of loan listed above to go over the programs we offer as a New Jersey Mortgage Banker. We offer additional mortgage programs as a broker as well, giving us the ability to offer the best of both worlds. As a resident of nearby Flemington, I am quite familiar with the Warren County area. For a direct quote on any particular program, please contact me or feel free to call me directly at 908 531 6170. Here is a synopsis of several of our different loan programs:

FHA Mortgages are very popular among our Warren County Mortgage Loan Programs, as a large portion of our loans is through FHA and we have FHA Approved underwriters on staff. We offer the traditional 203B, 3.5% down FHA Purchase Money loan as well as refinancing options. Here is a recent blog I wrote about the FHA Adjustable Rate Mortgage Program. The fixed rate program is super as well.

VA Mortgages: 100% financing for qualified veterans is a great loan program for veteran first-time homebuyers and seasoned homebuyers alike. With VA approved underwriters on staff, we offer in-house underwriting for VA Loans. Here is a recent blog I wrote with some basic information regarding the VA Mortgage Program.

USDA RD Loans: Warren County, New Jersey, there are many areas qualified for the moderate income rural development 100% financing program. As a New Jersey Mortgage Banker, we underwrite and fund these loans ourselves. Here is some info on the USDA program and eligible areas in NJ. The most important part to remember about the USDA program is you must qualify income-wise and the property location must fall within an approved area.

Jumbo Mortgage Loans: We have Warren County Mortgage Loan Programs with true Jumbo Mortgage programs on a brokered basis. Although many parts of NJ have benefitted from the "super-conforming" loan limits, some areas still have relatively low loan limits. Warren County is one of them, with a 417k loan limit. Still there are plenty of beautiful properties; that could benefit from a true jumbo mortgage loan. Here is a recent blog about our true jumbo programs in NJ.

Stated Income Mortgage Loans: We do not offer the traditional "liar's loan", but rather have on a brokered basis access to Stated Income Mortgage Loans for the self-employed borrowers for which this program was originally intended. This blog has more information about our stated income brokered product.

For more information on the Warren County Mortgage Loan Programs we offer, use my contact form or call me at 908 531 6170.

http://www.RealEstateRoute78.com

http://www.WeichertStewartsville.com

Stewartsville Homes just got easier to find!

Find your Stewartsville / Bloomsbury home in the following developments:
Brian Estates, Greenfields, Greenwich Chase, Greenwich Hills, Kennedy Mills,
Pace Setter, Scotts Mountain, Stewart Hunt, Wyndham Farms and Wyndham Hills.

I am glad to announce that I have a launched my new website featuring homes in Stewartsville, NJ 08886. Stewartsville is now a Seller's Market and houses are selling fast.

My website can be viewed at http://www.WeichertStewartsville.com and features homes for sale as well as community information. These listings are coming directly from the GSMLS and are updated by the minute. Stewartsville properties that have been newly listed or had price changes will be listed immediately.

In addition to all of the great information on Stewartsville homes, I also provide numerous ways to search the Central New Jersey MLS for listings along the Route 78 Corridor in Warren & Hunterdon Counties.

Please feel free to search my websites and let me know how I can be of service to you.

http://www.RealEstateRoute78.com

Jean Villa 908-319-9556

Weichert Realtors

Homes For Sale in Central New Jersey.

It's great to buy a home in Stewartsville with beautiful homes in Wyndham Farms, Greenwich Chase, Stewart Hunt, Greenfields, Greenwich Hills, Brian Estates and more. Come move to this great community!

Also buy in Lopatcong, Bloomsbury, Milford, Perryville, Norton, Clinton, Annandale, & More towns along Route 78!

Search for homes for sale on http://www.RealEstateRoute78.com - save your searches and set up listing alerts.

First-Time Home Buyer Tax Credit Program: Ending December 1, 2009 - JEAN VILLA, Weichert Realtors - 908-319-9556

First-Time Home Buyer Tax Credit Program: Ending December 1, 2009

Home buyers in the Hunterdon & Warren County area are wanting to take advantage of the first-time buyer tax credit should be aware that the clock is ticking its way down to the deadline.

The program expires December 1, 2009.

Remember too that you have to allow for a 60 or so day time frame from contract to closing. That scenario would give you a little over 70 days from now to find that home.

The program allows for a tax refund of up to $8,000...a lot of money by any standard, and especially in the current environment.

There are qualifiers. They include:

·The buyer may not have owned a primary residence in the past 36 months

·Can't purchase the property from family member

·The household adjusted gross income must be below $95,000 for single tax filers and $170,000 for joint tax filers

Also to know, the tax credit itself is limited to $8,000 or 10% of the purchase price, whichever is less.

Something else to remember is the fact that this is a true tax credit - not a deduction. For example, a taxpayer owing $8,000 to the IRS and claiming the $8,000 First-Time Home Buyer Tax Credit would not owe the IRS a thing on April 15, 2010.

Yes...it is a good deal. If you want details on it you can take a look at the list of criteria on the IRS website.

And of course, if you are in the Stewartsville, Lopatcong, Bloomsbury, Asbury, Clinton or local area, or moving into the area, let me know if you have any questions. I am always here for you.

If you know anyone who may be interested in moving or if you are considering making a move, I'd be happy to help. Please feel free to call or email me.

If you have a house to sell, be sure to Google the Realtor's name.

This should be done before you hire them to sell your house.

The more pages they have on Google, the more times they appear on the 1st page of Google, the better chance you have of having your home seen by home buyers. Where they are physically located is not as important as their presence on the internet. Do they advertise throughout the internet?

Home Buyers are on the Internet. Make sure your Realtor is too!

Example of Words to Google are:

1. Realtor's Name (like Jean Villa)
2. City name and Real Estate (like Stewartsville Real Estate)
3. City name and Home Buyer (like Stewartsville Home Buyer)
4. City name and Home For Sale (like Stewartsville Home for Sale)

Good luck and hope you receive a good offer soon.

Click http://www.RealEstateRoute78.com where you can pick any community or city around Stewartsville and see homes for sale and pick the area you are interested in finding a home or townhouse for sale. If you have a real estate question that you would like an answer to, be sure to check out and read what other home buyers and home sellers have asked and feel free to ask your Real Estate question via email to JVilla@Weichert.com.

Feel free to Blog me and also check out my http://www.WeichertStewartsville.com site regarding community information.