Considering Alternative Energy for Your Home in Nutley NJ

Whether or not one believes global warming is an issue to be concerned about, it’s hard to refute the evidence that the world’s carbon dioxide production is the main cause of the warming of our planet. To slow the effect, more individuals and corporations are doing their part to minimize their carbon footprint.

Recent advancements in and an explosion of research on alternative, or renewable, energy are making it possible for homeowners to lessen the impact of their energy usage. Increasingly, there are more options that provide comparable or better performance to current energy sources.

Three of the more common renewable energy sources are solar power, wind power and hydro power. Note that while these are “more common,” they are not necessarily widely used in homes … yet. Read More >>

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    Thinking about making an offer on a house without a real estate agent? Nervous about negotiating the best house price in this crazy economy? We don’t blame you. When it comes to buying a home, negotiation can mean the difference between a few thousand dollars and tens of thousands of dollars. It’s stressful and scary, especially if you’re doing it without an experienced real estate agent. Negotiating a home selling contract in this current real estate market is also financially tricky. This is where an experienced agent who has sold in times of real estate booms and past real estate slumps can save you more than the commission you pay them. Read More About Buying A Home in Nutley NJ >

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      ôBuying and bailingö refers to the act of buying a second property and allowing a first home to fall into foreclosure. Homeowners who purchase second properties in this scenario are typically ôupside downö on their primary residence, meaning they owe more on their first home than it is worth in the current market. It’s likely that they had an adjustable rate mortgage and their monthly mortgage payment grew to a payment they could no longer afford. For some, an easy solution appears to be buying a second property at a depressed price with a fixed rate mortgage in order to lower their monthly mortgage payments. At the same time, they let their first home fall into foreclosure û hence the term buying and bailing. See More About Nutley Real Estate >>

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        It’s often said that it takes money to make money, and that’s certainly true when you’re selling your home. If you’re thinking about selling your home, you may be asking yourself,  What are the costs involved in selling my home, and how can I lower them?ö The first step to lowering the costs involved in selling your home is being aware of what they are, so be prepared for the following costs when shopping for settlement services. Read More > takes money to make money, and that’s certainly true when you’re selling your home. If you’re thinking about selling your home, you may be asking yourself,  What are the costs involved in selling my home, and how can I lower them?ö The first step to lowering the costs involved in selling your home is being aware of what they are, so be prepared for the following costs when shopping for settlement services. Read More >

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          Many Americans just finished filing their taxes for 2010, and roughly a third of taxpayers itemized deductions on their tax returns. For many taxpayers, the decision to itemize or not is driven primarily by the amount of their home mortgage interest deduction. The average homeowner deducts over $10,000 in home mortgage interest, which for a taxpayer in the 25 percent tax bracket, results in a tax savings of approximately $2,500. Read More >>

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                  So do you want to buy a short sale home in New Jersey, these deals can be very complex, Short sales may take sometimes 6months to a year to get a bank approval while totally owned bank homes can be closed within a 30 day period. The difference between a distressed property sale and a regular retail sale is when buying a bank owned home or short sales the buyer is usually responsible for all town occupancy requirements and you are truly buying the home “AS IS” no repairs will be made by the bank etc. If you are truly interested in buying a Bank Owned Home or Short Sale give me a call and I can explain the whole process to you.

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                    If you are dealing with an experienced mortgage representative who uses an automated approval system, it should only take a few minutes to get a pre-approval. However, if your lender is not using the most up-to-date automated systems, pre-approval for a home loan could take a few days. The automated system takes all of your income, debt and asset information and enters it into their computer. The pre-approval process is usually pretty fast as long as the loan officer is certified to use the DU underwriting system (automated underwriting). The final loan approval comes once you have an actual property and then the lender re-verifies all of the property, income, debt and asset information. Read More >>

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