Account Settings

Change Email
Change Password

Find Your Dream Home

Tips For Buyers

The best way to make sure you choose the right home is to properly prepare yourself. The purchase of a home is a tremendous investment, both monetarily and emotionally. The purpose of this page is to provide you with some tips to help your transaction progress smoothly and result in you being a happy homeowner.

Get Help

Your home is likely to represent one of the largest investments in your life. In order to make sure the transaction goes smoothly it is of vital importance that you choose the right agent to represent your interests. The right agent will be someone whose experience and personality makes you comfortable. You should try to find an agent that is familiar and knowledgeable about the area you plan on moving to.

Get Pre-Approved

Do you already know how much home you can afford? There is nothing more frustrating than looking for a home, finding the perfect home, then discovering it is out of your price range. Speak with a lender to learn about the different financing options available to you. When you find the right lender, get the paperwork processed so you will be ready to buy once you find your perfect home.

Avoid Major Purchases

In order to determine the amount of home you can afford a lender will use your debt-to-income ratio to determine the percentage of your pre-tax income you spend on debt. Your debt ratio will include: monthly housing costs, car payments, credit cards, student loans, and any other installment debt. If you take on more debt before buying a home it will have an impact on the amount of the loan that the lender will finance.

Sign Up for Property Watch

In order to make an educated decision you need to know what is available and how much it is going for. You can browse all the active listings from my website. Once you have found some homes you like save those searches and sign up for property watch so new listings will be emailed to you. The best homes move fast. Make sure you're on top of the available inventory at all times so you do not miss out.

Have the Home Inspected

The last thing you want to discover after you have bought a home is that you have purchased a "money pit". By "money pit" I am referring to a home full of defects which will end up costing you a lot of money. Save yourself from future litigation by bringing in a licensed home inspector before you buy. If any problems are found the report will help you make an informed decision or negotiate a better price.

Purchase Timeline

Home Purchase Timeline - Hoboken/JC Real Estate

Documents to Prepare

Build Your Green File:

• Copy of one month’s recent and consecutive pay stubs
• Copy of last two years of W-2 statements
• Copy of last two years of personal tax returns (1040s)- all pages
• Two months of asset account statements- all pages and all accounts
• Copy of fully executed contract of sale
• Copy of photo identification, such as a valid driver’s license or passport
• Credit Inquiry letter- A letter explaining if any recent credit inquires have resulted in any new debt

Additional documentation may be required if:

• You own additional properties
• You have had credit issues in the past
• You are receiving gift funds to use as a down payment on your purchase transaction
• You are a permanent resident alien, or are in the U.S. on a work visa
• You receive or are required to pay alimony or child support
• You receive social security, pension benefits or disability income

Our Featured Listings