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AN INFORMED CONSUMER IS A SMART CONSUMER
Today's consumer is a smart consumer. Many people realize the value in doing a little research before making a large purchase. Whether you are buying a washing machine or other major appliance, a car or a home you can save valuable time and money by doing a little research on the internet.
There are many sources on the web for real estate information and listings. You can click on the "Property Search" tab at any time to view homes on the Jersey Shore. If you are interested in looking for homes elsewhere you can visit REALTOR.com or Prudential.com for a nationwide search.
Credit is the single most important link between being able to own a home or not. Act foolishly with your credit and you break the link. As you spend time looking for homes also spend a little time working on cleaning up your credit. Get your credit report and take care of any discrepancies. The better your credit rating the lower the interest rate you will qualify for with your lender. New Jersey residents are entitled to one free credit report annually from any of the major credit reporting agencies.
When it comes to buying real estate, a little research can save you thousands of dollars. There are many things to be considered. What are the most important aspects you need in a new home? Should it be close to public transportaton, good schools or in a rural setting? How will you finance a purchase? Despite the news about foreclosures and strapped banks, homes are selling. New government programs and incentives are helping people who need to make a move now. Is that someone you? Would you be interested in receiving an $8,000 check from Uncle Sam next April? Contact me for answers to your questions. The more you ask, the more you will know.
Use the Calculators on my home page to see how much home you can afford. If you have not bought or sold a home recently there are many fees involved in both a purchase and sale that you need to be aware of. When you speak with a lender you will want to inquire as to what fees will be charged for: appraisal, application, origination, points, lock-in and any extensions, penalties. Read your application thoroughly for hidden fees. Ask about the different types of loans. For instance if you are buying an historic home you may qualify for a grant program that will save you thousands of dollars.
Consumer Reports offers online membership and provides unbiased testing on all sorts of products from light bulbs to cars and trucks. You can find information about insurance policies, product recalls and much more. If internet research is not your cup of tea, subscribe to the magazine and you'll also get a free copy of their annual Buyer's Guide with ratings on everything from A-Z.
Traveler's can get more bang for their buck with a AAA membership. Aside from the obvious benefit of their national emergency road service program membership entitles you to great discounts on things like hotels, car wash, car rental, restaurants and more. Their travel services can provide you with guide books for any travel destination and if you like to day-trip by car - they'll even give you maps and detailed directions. Visit AAA today. |