• Real Estate Expertise by the Shore

2000 Bellmore Street Ocean Township, NJ 07755

732-517-0102

523 Main Street Bradley Beach, NJ 07720

(732) 455-5252

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The Internet Isn’t an Agent

The Internet Isn’t an Agent

The Internet Can’t Replace Your Agent We live in the information age; the Internet offers advice on every topic and real estate is no exception. With more and more home buyers starting their home search online, they are bombarded with advice and information – it can be easy to think that you can learn everything […]

Your Credit History

Your Credit History

As part of the loan application process, virtually all lenders will want to see a copy of your credit report. The report will list all your long-term debts (credit cards, mortgage payments, automobile and student loans, etc.), as well as your payment history. If you don't have a copy of your credit report, most lenders [...]
Why You Need Title Insurance

Why You Need Title Insurance

Title insurance is insurance against loss from defects in title to real property. This might include forgeries, encroachments, dower claims, and even the invalidity or unenforceability of mortgage liens. It is meant to protect an owner’s or lender’s financial interest in real property against loss due to title defects, liens or other matters. It will […]

How to Have a Successful Walk-Through

How to Have a Successful Walk-Through

A walk-through before closing is the final opportunity to assure that a property and its components are exactly as they are supposed to be delivered; that changes, repairs, and improvements required in the sales contract have been made; and that the owner has not damaged the property. An existing home is not sold in perfect [...]
How Much Can I Afford?

How Much Can I Afford?

Understanding how much you can afford is one of the most important rules of home buying. Depending on your individual situation, your budget can affect everything from the neighborhoods where you look, to the size of the house, and even what type of financing you choose. Bear in mind, however, that lenders will look at [...]
How Mortgage Loans Work

How Mortgage Loans Work

Excluding property taxes and insurance, a traditional fixed-rate mortgage payment consist of two parts: (1) interest on the loan and (2) payment towards the principal, or unpaid balance of the loan. Many people are surprised to learn, however, that the amount you pay towards interest and principal varies dramatically over time. This is because mortgage [...]
All About Adjustable-Rate Mortgages

All About Adjustable-Rate Mortgages

Adjustable-rate mortgages (ARMs) differ from fixed-rate mortgages in that the interest rate and monthly payment can change over the life of the loan. ARMs also generally have lower introductory interest rates vs. fixed-rate mortgages. Before deciding on an ARM, key factors to consider include how long you plan to own the property, and how frequently [...]