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1. Buying a Home Is a Great Investment Several recent reports indicate that real estate is still a good investment, topping other options such as gold, stocks, bonds, and savings. Why? Real estate helps you build equity, a type of forced savings that grows your net worth. According to the latest Equity Report from ATTOM Data Solutions, as of the fo...

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Is the idea of saving for a down payment holding you back from buying a home right now? You may be eager to take advantage of today's low mortgage rates, but the thought of needing a large down payment might make you want to pump the brakes. Today, there's still a common myth that you have to come up with 20% of the total sale price for your down p...

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As some of you may know who follow me - every couple weeks or so, my magnificent husband creates some magical meal that he shares with you, and I get the luxury of consuming. I have found that he delights in making me happy with all this good food but is often reticent to share his secrets. So this past weekend we saw a great article in the Ne...

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When buying a home, there are myriad factors to consider. How many years do you plan on staying in the home? What are your short and long term plans? What about upfront costs and mobility? Below we delineate the pros and cons of homeownership. At the end of the article, you can find a link to download this checklist for your use. Pros ✓ Good long-t...

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During your homebuying process, pay attention to our nine credit commandments (and keep the list handy)! These tips have a huge impact on your credit score, which can affect the mortgage rate you will receive for your home. 1 - ALWAYS PAY YOUR BILLS ON TIME Paying off debts on time has the greatest positive impact on your credit score. Late pa...

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Bring It Home with Heidi (BIHWH) recently sat down with Joe Racamato (JR), a home financing veteran, to discuss the ins and outs of down payment. BIHWH: "What is a down payment?" JR: "A down payment is the percentage of your home's purchase price that you pay upfront." BIHWH: "Exactly how much is needed to purchase your dream home?" JR:" ...

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The pandemic has drastically increased moves to the suburbs. Between March 15th and April 28th, moves to New Jersey saw a 38% jump. August saw a 30.7% jump in new listings - this means that demand is increasing. Due to limited supply, list prices are already up 9.9% as compared to last year. Record-low mortgage rates look to continue into 2021, thu...

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Private Mortgage Insurance or PMI can be a very boring and complicated concept to grasp… so we scoured the web and came up with a simple breakdown to help you. What exactly is private mortgage insurance?  PMI is an insurance policy that you, the borrower, pays for. It ensures the lender in case of borrower default (not making your payments). I...

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People generally invest more time in applying to colleges or purchasing a car than they do in preparing to buy their first home! So, here are a few tips/questions that will help guide you when making the largest financial purchase you will probably make in your lifetime - your home! When searching for a home it's important to be honest with yoursel...

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Communicating the benefits of buying versus renting to millennials is of paramount importance in influencing their decision to purchase a home. U.S. millennials total 66 million individuals and 24 million independent households, so these potential clients cannot be ignored. As professionals in the financial and real estate spheres, ensuring that mi...

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First home buying is on the rise - this year they make up 34% of homebuyers in the United States. They make up about 1.65 million of the homes that will be sold in 2019(est.). Whether you are a first time home buyer looking for a home, a Realtor advising a first time home buyer, or otherwise, here are my top four tips for planning to buy your first...

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