• 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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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 [...]
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 [...]