Your Realtor Is A Valuable Resource

Realtors are more than just "door openers".  An experienced full time agent has established and maintained great industry relationships over the years in order to serve his or her clients when it comes to the largest purchase they will ever make. Your Realtor's sole purpose should be to make your transaction as seemless as possible. That is why they should be the first person you go to when you need an important referral such as an attorney, home inspector or most importantly, a mortgage representative. Real Estate transactions are only as good as the people involved in order to move things along in a timely fashion and open communication between those related industries are most important when difficulties arise. Why wouldn't you, the buyer or seller, want all parties involved in your transaction to have your best interests in mind and make this experience one of excitement and joy rather than something else entirely! Joanne Schiffres  http://joannes.betterhomesus.com Better Homes Realty 732-757-5013

Let's Buy Something Together...

Buying A Home With Past Credit Problems Buying a home can be both exciting and stressful but, for those with past credit problems, the process may also seem intimidating.  The good news is that many lenders have adapted to the idea that many hopeful homeowners simply need a second chance, which means that past credit problems no longer have to define your future. Credit Blemishes When life unexpectedly takes a turn for the worst, it’s not always possible to come out without a few bumps and bruises. Every day, people are faced with late or missed credit card payments, mortgage foreclosures, bankruptcy proceedings, auto repossessions and even civil judgments that will affect their credit reports for years to come.  Whether it’s from a job loss, injury or just a simple case of temporary hardship, credit blemishes are often a part of life.  The good news is that they no longer have to prevent you from becoming a homeowner. Give Yourself A Little Credit After experiencing a credit problem, most lenders will want to see an attempt to rebuild your credit through a steady payment history with a new account.  This can be accomplished by applying for a credit card and maintaining a responsible use of the account.  If you aren’t approved for an unsecured card, you can always apply for a secured credit card. Either will rebuild your credit over time and will help to show lenders that your past credit problems are just that - in the past. Clean Up Your Credit Report Before applying for a home loan, make sure that you check your credit report from each of the three major credit reporting agencies. Every 12 months, consumers can request a free copy of their credit report from Experian, Equifax and TransUnion. If anything is incorrect or found to be inaccurate, filing a dispute with the credit reporting agency can help to get the information corrected before speaking with a lender. When you apply for a home loan, the lender will access your credit report for the purpose of determining your creditworthiness. In an effort to ensure that you have the best possible chance at being approved for the loan at the best possible interest rates, making sure that your credit report is accurate is a must. Save Up For A Down Payment Some homebuyers often qualify for a mortgage with down payments as low as five percent (three and one half percent for FHA loans), but those with past credit problems may be required to shell out up to 35 percent or more for a down payment on their new home.  A buyer who pays a larger down payment obviously has more vested interest in the home and may, thereby, be less likely to default on a loan.  If you have past credit problems, check with your lender about specific down payment requirements and start saving! Creative Financing Options If you’ve exhausted all of your conventional efforts and are still turning up empty, don’t give up just yet. Alternative financing is an option that many homebuyers use to purchase a home.  Your REALTOR® can provide you with details regarding any lease purchase and/or owner financing properties, which may require no credit check, no bank qualifying, a low down payment and competitive interest rate options.

Mark the Date!!! Your Residential Real Estate Questions Answered.

Live Chat on Ustream.tv  by Lisa Alaimo of Better Homes Realty.  Present will be Michael J. Weber of Weber Law Offices in Howell, NJ.  Chat live and ask you real estate questions.  All Residential real estate questions and RE Legal Quesions. Re-sale, short sales, bank owned, foreclosure, condo's, town homes & rentals. Mark the date... March 1, 2012 at 7:PM You can email your request prior, we will respond on live chat and email you back with answers. Email to : LAlaimo@BetterHomesUS.com See you there... Channel Name:  BHRLisaalaimo or search on ustream.tv  NJrealestateagent   or just click the link below and save to your favorites. http://www.ustream.tv/channel/njrealestateagent Lisa Alaimo.. . .www.SearchHomesinNJ.com     for Michael Weber of Weber Law offices...  www.WeberLawOffices.com

Avoiding Foreclosure (Government information)

http://portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure Call me with any questions. 800-531-2885 x 451 or email me at:  LAlaimo@BetterHomesUS.com  Better Homes Realty   Lisa Alaimo

JUST REDUCED! 4 BEDROOM, 2 BATH HOME IN OAKHURST

• 4BR/2BA Single Family House

  Year Built	1956
  Sq Footage	1,561
  Bedrooms	4
  Bathrooms	2 full, 0 partial
  Floors	2

  The pride in ownership shows throughout this 4 bedroom home with 1 full bath on the main level & 1 full bath on the 2nd floor bedroom level. The 1.5 wide drive-thru garage opens to deep fully fenced-in and very privet 77x177 lot, w/large 16x12 deck off the family room. The family room includes a Fireplace & 2 Skylights. Full Basement, Hot Water Baseboard Heat, Central Air, Hardwoods throughout, and Ceramic tile in the Kitchen. Great home in desirable Oakhurst.

   

  Room Type

  Lvl

  Dimnsns

  Room Type

  Lvl

  Dimnsns

  Room Type

  Lvl

  Dimnsns

  #BsmtBth:

  Dining

  1

  16x11

  Kitchen

  1

  16x11

  Family

  1

  15x15

  #Lvl1Bths:

  1

  Bedrm:Master

  2

  13x16

  Bedroom

  2

  11x16

  Bedroom

  1

  11x11

  #Lvl2Bths:

  1

  Bedroom

  1

  10x11

  Garage

  1

  18x23

  #Lvl3Bths:

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  Interior:	Attic, Skylight, Bay/bow, Bonus Room
  Foy:		LR:	FLR-Wood, Fireplce, Skylight, FLR-Ceramic, FP-Gas	DR:
  GR/FR:	FLR-Wood, Bay/Bow, FP-Gas	Kit:		MBR:	FLR-W/wCarp
  MBA:		Flr:	Wood, W/WCarp, Ceramic, Tile	Bsmt:	Full, PartFin, Heated
  HVAC:	CentAir, HwBb	Fuel:	NatGas	WatHt:	Nat Gas
  Exterior:	Fence
  Gar:	Attached, Oversize	Park:	Dbl Wide, Asphalt	Roof:	Shingled
  Lot:		Pool:	N:	Bldg:
  Siding:	Aluminum	WtSw:	Public Sewer, Public Water
  Included:	Dishwash, Refriger, Gas Cook, Washer, Dryer

  Additional information: Virtual Tour http://www.seetheproperty.com/78201

Anthony J. Gonzalez Michael Faiella Better Homes Realty (908) 565-0457 Anthony@JerseyShore102.com Mike@JerseyShore102.com http://www.JerseyShore102.com