Buying a home has never been easier.
We’re not afraid to go above and beyond to ensure an excellent customer service experience as you find the home of your dreams.
Worried about low-inventory and high competition? If you work with any of our agents, you will have first access to our exclusive listings before they hit the market.
Although our agents can service all of NJ, they stay local and specialize in the areas that they serve. They know the ins and outs of the local market and can answer any questions you may have.
The highest offer is not necessarily the best offer. Let our agents guide you in submitting offers that win bids. All of our agents are trained and equipped with superb negotiation strategies to help you find the home of your dreams.
We have access to 5+ Multiple Listings Service (MLS) databases to ensure a wide range of options so you don’t miss out on your future dream home.
Let us help you save money by shopping around for competitive mortgage rates with our preferred lenders. We are always on top of the market and aware of any special rate promotions, grant opportunities, down-payments assistance programs, and more.
A full-time transaction coordinator (TC) will also be available to you during your home buying journey. Our TCs are licensed and manage 20+ transactions monthly from contract signing to closing.
Our services go beyond submitting offers and getting them accepted. We are there to help you find a competitive mortgage loan, home insurance, moving services, and more.
If you are thinking of purchasing a home now or in the near future, you should first become familiar with all aspects of the home buying process. Book a FREE consultation with one of our expert agents to get started.
It is crucial to know how much you can afford before you start touring homes. A mortgage lender will assist you in determining the best loan available for you based on your situation and desired monthly payments.
Let the fun part begin! Tour as many homes as possible either through open houses or scheduled appointments with your agent. Find out what you like and don’t like and ask your agent as many questions as possible during this process.
Once you find a home or multiple homes that you like, your agent will prepare an offer to purchase and will negotiate on your behalf until reaching a final offer acceptance with the sellers.
Verify the condition of the home by conducting private inspections to check for potential issues that might have been overseen during your first tour of the house. The most common inspections include: general home inspection, termite, oil tank sweep, and sewer scope.
Your mortgage lender will issue a formal letter of loan approval subject to some conditions. Receiving this letter is crucial during the homebuying process because it gives you assurance that the mortgage loan will be granted to you, bringing you a step closer to closing!
As you approach closing, it is highly recommended to obtain both title insurance for your home and a property survey to verify property lines.
Congratulations! You are now a new homeowner. Don’t forget to check out our BLOG on Steps to Follow after Closing On Your New Home.
According to Federal Housing Administration (FHA) guidelines, an FHA loan requires a minimum 3.5% down payment for credit scores of 580 and higher. If you can make a 10% down payment, your credit score can be in the 500 – 579 range depending on additional factors your lender may need to take into consideration.
Pre-qualifications give you an estimate of what you can borrow based on verbal information provided to the lender. Pre-approvals tell you what you can actually borrow based on documentation provided to the lender. A pre-approval states the specific loan amount that you're eligible for with an exact purchase price and tax amount.
The following items are needed to start the pre-approval process:
In New Jersey, closing costs typically range from 2% to 5% of the purchase price. There are fees that are paid both before and at closing. See below for a breakdown of what to expect.
Remaining down payment (if applicable) Mortgage Costs (variable)
We recommend doing as many inspections as needed before you purchase a property. The most common inspections are as follows:
Additional inspections are available as needed (asbestos, structural, mold, septic, etc.)
In most Real Estate transactions in New Jersey, buyers do not pay a commission. The seller is usually responsible for this fee at closing.
We strive to be your Real Estate Advisors, not just your one-time agents.
We strive to become your go-to Real Estate Advisors. Book a free consultation today and let’s get started with a buying or selling plan for your home customized to your unique timeline.