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Excellence in Real Estate

Understand the process.

Buying real estate is a complex matter and can be especially confusing for the first-time homebuyer. Do yourself a favor and learn as much about the process as you can before you begin. There are plenty of resources on the Internet, especially on the web-site of the US Department of Housing and Urban Development, also in Spanish. 

Figure out your finances.

Determine how much money you can raise for your down payment and how much you can afford to pay on a monthly basis. Go to a lender to find out the size of mortgage you qualify for and get pre-approved. Better yet, use a mortgage lender  like for instance PARALLEL Mortgage Corp. or Corinthian Capital Group (click on the links for information and mortgage calculators), to find you the best mortgage rate possible. When calculating the costs of home ownership, remember to plan for homeowner's insurance, property tax, priv. mortgage insurance (if required), utilities, repairs, and maintenance. Please click here for more information about the home buyer tax credit.

Determine your housing needs.

How long do you intend to live in your new home? Will you be starting or adding to your family? Do you have any special requirements such as proximity to stores, public transportation (click on this link an go to NJ Transit for details), recreation facilities, schools etc.? These are the sort of things you should consider when deciding what kind of housing you will need--not just now, but also five years from now. Here are a couple of usefull links/tools in relation to your "house hunting" need driving directions or maps, click here directions/maps, want to know more about the following townships: East Brunswick, South Brunswick, Spotswood, South River, Milltown, North Brunswick, Old Bridge, Monroe, Sayreville, Metuchen, Edison. Are you interested in business networking, please click on BNI. Need a good accountant? A bank, insurance broker or financial advisor in your area? How about a really good dentist or doctor? Any more suggestions, please send me an email.