The Real Voice of New Jersey Real Estate

For the Best Real Estate Team in all of Mercer County!!!!

My husband and I began looking for properties in Foxmoor, our idea was to go look at the open houses by ourselves and not get involved with what we thought to be a hassle dealing with realtors.  Well ----let me start by telling you--- that the by yourself searching was not working at all. 

So one night while on the Internet I came upon Desiree and Al's web site and I gave her a call, and I immediately knew that this was the team that I so desperately need assistance from.  After one conversation with Desiree, I knew that all the horror stories I had heard about realtors, (mainly not caring about the buyers best interest and saying or do anything just to make a deal happen) were not the case here.

Desiree from the start was very personal and sincere.  She knew what we were looking for and what price range we could afford.  And most of all, knew that this was a first home buyer deal and went way above and beyond the call from a realtors stand point.  From mortgage contacts, to different mortgages available out to research that we knew nothing about, to assistance with closing, to contacts for everything from appliances to flooring.  Not to forget returning my million calls and never giving up hope after showing us several, and I mean several properties!!! 

Their experience and help was priceless. So finally when a property came up that was a little out of our price range, they made it happen and I mean that literally.  I can honestly say that without working with Desiree and Al, I do not believe that our deal would have ever happened and for that we are beyond thankful.  And when you meet people in the real estate business that have to offer what this team does, you also end up with something you least expected and that's a friend!!

Nancy & Kenny

http://www.robbinsvillehomesforsale.com/009FF9

Hi Desiree
 
I just wanted to send you a quick thank you for all your help on the sale of my home.
I truly appreciate your responsiveness and outstanding service.

In a down market like this only the best can sell a home in 45 days, so I know I made a wise choice.

I would highly recommend you to others. 

Best of luck with your future sales!
 
-Laura Nikola

http://www.robbinsvillehomesforsale.com/009E51

Great News for Hopewell township and Hopewell Borough, New Jersey home owners, homes for sale in Hopewell, especially in the ever popular Bradon Farms have been on the move continuously for several months now.    With the average number of homes sold per month being 11, we have more than doubled that consistantly since June!  

So what does all this good news mean to you?   Well basically it means that home sales are on the rise again in Hopewell, New Jersey.  Now that does NOT mean that prices of homes have gone up, it does mean that the number of contracts written has gone up.    If you are considering selling a home in Hopewll or in Brandon Farms, New Jersey, now might be a great time to do that.    With buyers still out there trying to take advantage of the $8000 tax credit new inventory is always needed.

If you need additional information or would like a free home market anaylsis please call The Desiree Daniels Team at (609) 448-2222 (home)

Monthly Statistics for the Date Range Selected

Inventory Accumulation for the Last 12 Full Months

http://www.robbinsvillehomesforsale.com/009DD7

For all you Football Fans out there........  ARE YOU READY FOR SOME FOOTBALL!!

Heading out the door for the season opener for the New York Giants against long time rival Washington Redskins. 

All real estate is on hold till Monday!

Go Giants!

http://www.robbinsvillehomesforsale.com/009CB7

Much to my surprise........

... much of it began when the housing market crumbled.  This first-time home buyer phenomenon became an epidemic once again, yet this time it was/is different.

Sure, there are different motivations in getting the blood flowing, but borrowing guidelines today are much more stringent than recent years.  Knee jerk - yes.  Opposite extreme - of course.  Will it get back to some semblance of a common sense reality?  The cycle typically does the math for us.  I believe we are not so calmly near year three since all of the ruckus started in the first place.  Are we out of the woods just yet? Probably not.  But it has created quite the opportunity for budding homeowners.

There is demand.  There are more incentives for first-time home buyers right now than maybe ever before.  Here's the scoop:

There is an $8,000 Tax Credit available for first-time homebuyers.  And to distinguish misinformation with this particular clause, you are considered a virgin within the system if you haven't owned a home within the past three years.  So, you don't really have to be first time.  There just has to be some time in between ownership of a property.

100% Financing is alive and well and living in certain parts of Rural Wherever.  The USDA Loan is back and not as rural as you may think.  You don't need chickens, pigs, cows, or the soul of Johnny Cash to qualify.  It's out there and funds in the sum of $10 Billion dollars have been allocated to it.  If I can get my paws on some of that, I'll walk the line;)

Larger Inventory has helped to create lower housing prices.  Do the math.  Supply and Demand.  Economics 101.  Or, if you want to keep it simple, I have a bunch of stuff that needs to sell, but can't be sold at the price I want sell it, at least right now.  Give me an offer, and if I can put it in the books... it's done. 

While interest rates still closely resemble the guy's score to the hundredth degree who got his name wrong on the SAT Exam, they are still lower than Gary Coleman doing a KFC Commercial on his knees. They (interest rates) are bound to go up, folks.  I've been saying that for way too long now.  Lucky for me and those who have already taken advantage of them, I've been dead wrong.

FHA Loans have picked up the slack and some of the common sense from Conventional Lending which has been ravaged with ridiculous rate hits and mortgage insurance payments from those lovely folks over at the Mortgage Insurance Companies.

All is not rosy in the land of first-time homebuyers, however.

Job stability seems to be an oxymoron in this atmosphere.  Folks may be afraid to take the plunge into such responsibility as owning a home for fear that they are next in line to receive the proverbial pink slip.

In certain areas around the country, home values are still declining.  This may or may not be construed as a bad thing if that is the case in your particular area.

In an age where money is tight for a lot of folks, a down payment may not be possible.  If you don't qualify for a VA Loan or USDA loan, this could be a pretty big stumbling block.

Underwriting Guidelines are tighter than Joan Rivers face. 

The required credit score for the majority of lenders has increased. The magic number is 620, though don't be shocked if that goes up eventually.

The overview of "Good News/Bad News" for first-time homebuyers right now is tilted slightly in the favor of more good than bad, in my opinion.  If you are even remotely considering taking the leap, talk to a trusted Mortgage Professional so you have a clear idea of all the options.  They can guide you, yet it will be you who takes that ride that is owning a home.  Make it a safe one. 

About The Author:  He is wide awake on hump day and feeling pretty good.  Jason Sardi typically doesn't like talking in the third person, but such is life.  He can be reached via email at jsardi@ihmci.com or on his cell phone at 610-653-0317.

Jason Sardi

Mortgage Consultant

Infinity Home Mortgage Company, Inc

jsardi@ihmci.com

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http://www.robbinsvillehomesforsale.com/009B63