Garden State Loan’s Blog Is Full of Useful Home Buying Experiences.

Feb 19

Understanding Homes for Sale by Owner (FSBO)

There are a few options when selling a home and one of those options is to sell it by yourself, or For Sale By Owner (FSBO). FSBO is a home that is being sold by the owner, without help from an agent. The benefit to the seller is that they... read more →

February 19, 2022

Feb 19

Seven Items to Purchase for Your First Home

While moving in to a new home is both stressful and exciting, you're probably aware that you'll need to furnish your new place. Below, we've listed seven items to purchase for your first home - there's undoubtedly more, but these are the essentials! Items to Purchase for Your New Home... read more →

February 19, 2022

Feb 19

Ways to Hold a Title

There are multiple ways and reasons to hold a title, which depend on your individual situation and needs. Below, we've listed a few details about the various title designations, to help you in your future home ownership. How to Hold a Title A title provides proof of ownership on a... read more →

February 19, 2022

Jan 22

What NOT to Say During the Home Selling Process

Selling a home can be a nerve-wracking experience. If you are planning to be in the home when there are buyers walking through, you may feel obliged to make conversation. But you should keep some things to yourself. Here are some examples of what not to say during the home... read more →

January 22, 2022

Jan 22

Why Choose New Jersey to Live Out Your Dreams?

Why choose New Jersey to live out your dreams? If you are looking for a great place with endless possibilities, then New Jersey is one of the best states in the nation. Also called The Garden State, New Jersey is known for its ethnic diversity, offering a wide array of... read more →

January 22, 2022

Jan 22

What NOT to Say During the Home Buying Process

As a buyer, there are always things going through your mind as you walk through a house that could possibly become yours. However, there are some things that you should keep to yourself. Here's a few examples of what not to say during the home buying process. What Not to... read more →

January 22, 2022

Dec 27

What is Verification of Income and Assets?

What is verification of income and assets? We're provided a short answer for you in this post...but we'd be happy to tell you more. At Garden State Home Loans, we're a leader in New Jersey when it comes to helping people buy or refinance their home...reach out to us today... read more →

December 27, 2021

Dec 27

Six Feng Shui Mistakes

The concept of feng shui is meant to balance the energies in a given space to bring your environment into alignment with who you are and where you want to be. However, sometimes this can be difficult. There are many different principles that you can use to feng shui your... read more →

December 27, 2021

Dec 27

How to Make a Tiny Closet Feel Bigger

If you live in an apartment or small condo or townhome, you've probably spent time wondering how to make a tiny closet feel bigger. Small closets can be annoying. While it’s hard (or near impossible) to change to space your closet allows you, there are ways to make your closet... read more →

December 27, 2021

Nov 30

New Jersey Mortgage Rates

It’s the perfect time to find out more about the current New Jersey mortgage rates that are at all time lows following the COVID-19 outbreak. Those looking to buy a home may have fewer options available now than were available in February of 2020. In March 2020, The Federal Reserve... read more →

November 30, 2021

Nov 30

New Jersey Home Modification and Refinancing

There’s no better time to purchase a home, make modifications or refinance your mortgage than today. With rates being low, now is a good time to refinance to save money on your overall home payment. For New Jersey home modification and refinancing, the team at Garden State Home Loans provides... read more →

November 30, 2021

Nov 30

New Jersey Home Loan Rates

For accurate and convenient New Jersey home loan rates, Garden State Home Loans has the tools for you. Founded in 2011 right in the heart of Cherry Hill, NJ. We’ve expanded our locations over the years, stretching our services to five states and counting. Staffed with hardworking, responsive, detail-oriented, well... read more →

November 30, 2021

Oct 21

South Jersey Home Loan Companies

It can be tough to obtain the best home loan with so many options available in South Jersey home loan companies. For us at Garden State Home Loans, we believe in providing the most knowledgeable minds to the customer for the best experience in the country. The quality of experience... read more →

October 21, 2021

Oct 21

South Jersey Mortgage Companies

Garden State Home Loans continues to be among the top rated South Jersey mortgage companies. Located in Cherry Hill, our mission is to be the home financing partner that you trust to serve your family, friends, and community. Though we've expanded our footprint over the years (currently licensed in six... read more →

October 21, 2021

Aug 14

Haunted Houses in NJ

In the Garden State and looking for some thrills? Look no further. These 5 spooky haunted houses in NJ will have you running and screaming in no time! A List of Haunted Houses in New Jersey Imlay Mansion, Allentown Commissioned in 1790 by a congressman, the Imlay Mansion has a... read more →

August 14, 2021

Aug 14

New Jersey Home Loan Refinancing

Garden State Home Loans is your local and trusted choice for New Jersey home loan refinancing. From our office in Cherry Hill, we find the best refinancing rates for homeowners throughout the state. We keep our focus solely on New Jersey home loans, and providing our customers with a personalized... read more →

August 14, 2021

Aug 14

New Jersey Home Loan Information

Garden State Home Loans is the professional team to call for New Jersey home loan information. Our office is based in Cherry Hill, and we’re dedicated to the best service for both New Jersey buyers and residents interested in refinancing. We offer the lowest industry rates and closing costs, and... read more →

August 14, 2021

Jul 13

Homes of Famous Celebrities in New Jersey

You probably don't think much about homes of famous celebrities in New Jersey. When you think of celebrities' homes, you probably think of grand mansions in Hollywood and Beverly Hills, but these beautiful houses are scattered all across the nation. There are more celebrities living in New Jersey than you... read more →

July 13, 2021

Jul 13

Haunted New Jersey

Are you a seeker of scary? You are guaranteed to get the scare of your life at these five locations in what is known as "Haunted New Jersey"! Brighton Asylum – Passaic, NJ Brighton Asylum is a nationally ranked haunted house, called the “Scariest Place on Earth” by the Today... read more →

July 13, 2021

Jul 13

Common Home Inspection Issues in New Jersey

Most home inspections cover similar attributes of a home, and common home inspection issues in New Jersey tend to revolve around the type of things caused by our climate and home wear and tear. We get our share of weather extremes, and those frigid winters and blazing summers can take... read more →

July 13, 2021

Jun 24

Pre-Approval vs Pre-Qualification

Do you need to choose between pre-approval vs pre-qualification? The two sound similar in nature, but there's an importance difference between them that you should be aware of when buying a home. Pre-Approval vs Pre-Qualification - The Difference Pre-approval is not the same thing as a pre-qualification. Pre-qualification is the... read more →

June 24, 2021

Jun 24

Understanding HOA Fees

If you're interested in buying a condo or townhouse, you may need to budget for homeowner's association (HOA) fees. The key to understanding HOA fees is understanding the services that an HOA provides, and what makes the cost worth it. What are HOA Fees? When you purchase a home in... read more →

June 24, 2021

Jun 24

What You Need to Know About Flipping Houses

The newest trend in the housing market is flipping houses. Just look at all the shows on HGTV that are based on this very premise. There has been a recent fascination with fixing up houses to resell, and it is amazing to watch the final product come through. If... read more →

June 24, 2021

May 21

Short Sale vs Foreclosure: Understanding the Differences

Short sales vs foreclosures? Both are often viable options made available to people behind on their mortgage payments, have a house worth less than the outstanding balance on the mortgage, or both. Though these are both the result of financial issues, they are different in their own ways. What is... read more →

May 21, 2021

May 21

Rent-to-own vs Mortgages: The Key Differences

Rent-to-own vs Mortgages - what is the difference? Home ownership is an important step in everyone’s lives. When it’s finally time to take that step, you may question which route is right for you: signing a rent-to-own agreement or getting a mortgage and purchasing a home. As with any... read more →

May 21, 2021

May 21

Pro Tips: Redoing A Bathroom on a Budget

Are you feeling bored with your bathroom but don’t necessarily have the funds to do a full renovation? No problem! Here are some quick hacks for redoing a bathroom on a budget and keeping your wallet intact. Redoing A Bathroom On A Budget Tips 1. Make Little Changes Instead of... read more →

May 21, 2021

May 05

5 Benefits of Using a Local Lender

Are you using a local lender or one of those nationally advertised mortgage companies? We have all heard the term "shop local" but what about your Mortgage? Garden State Home Loans is a local company with roots in the communities we serve. 1. Local Lenders have local connections. When putting... read more →

May 5, 2021

Apr 16

5 Little-Known Historic Homes in NJ

Our state has a long and rich history, so it comes as no surprise how conveniently one can find historic homes in NJ. But while history buffs may travel to see George Washington’s headquarters at Ford’s Mansion, and millennials may schlep to Seaside Heights to take pictures of the Jersey... read more →

April 16, 2021

Apr 16

The 5 Best Beach Towns in NJ

Do you love going to the beach all day long, tanning and swimming in the water? Or are you more of a boardwalk person, attracted to the wide variety of rides, games, and food? How about night life and going out to bars, clubs, and nice restaurants? All of the... read more →

April 16, 2021

Apr 16

7 Great Wineries in New Jersey

Napa Valley draws in millions of visitors each year. Tourists from all over come for the vast amount of wineries. However, you don't need to travel all the way to California to get the same experience! There are countless number of wineries in New Jersey throughout the state, making it... read more →

April 16, 2021

Jan 08

How to Build Your Credit

Having a good credit score is essential for getting a good mortgage rate. Before purchasing a home, make sure you have started to build your credit and that it is in a good place. Here’s how to build your credit to put you in an optimal position. How to start... read more →

January 8, 2021

Jan 08

How to Build a Garage Apartment

Garage Apartment A garage doesn’t have to be used for cars or for storage. You can turn your garage into an apartment. Here’s how to turn your garage into an apartment. Get clearance Before you begin any project, you have to make sure that the remodeling you’re doing is legal!... read more →

January 8, 2021

Jan 08

Owning vs Renting Real Estate

Let's look at the advantages of Owning vs Renting. Purchasing real estate is a big decision that shouldn’t be taken lightly. It’s likely one of the biggest purchases you’ll make in your lifetime. Just because it can be a daunting task, doesn’t mean it won’t be worth it! Let’s take... read more →

January 8, 2021

Dec 21

2020 Toys for Tots: Garden State Home Loans

Christmas is right around the corner, and we've officially finished collecting donations for the Marine Toys for Tots Foundation! Each year, we make sure that our boxes are filled with toys for children around Burlington County. As many families are experiencing financial strain due to COVID-19, we're more determined than... read more →

December 21, 2020

Nov 28

Small Business Saturday 2020

What started as a campaign by American Express became a national holiday when the United States Senate began recognizing the Saturday after Thanksgiving as Small Business Saturday in 2011. Within the midst of Black Friday and Cyber Monday, Small Business Saturday aims to support local American businesses during the holiday... read more →

November 28, 2020

Nov 27

Giving Season with Garden State Home Loans

Giving back to the community is high on our priority list at Garden State Home Loans. Since 2017, we've made it our mission each year to provide families in our surrounding communities with Thanksgiving dinner. To see our goal achieved this year, we partnered up with Ray Moorhouse Group and... read more →

November 27, 2020

Nov 11

COVID-19 Safety Measures

The health and safety of our clients and employees is of the utmost importance to us at Garden State Home Loans. As COVID-19 cases begin to once again surge across the country, we want to remind everyone of the safety measures we have in place as we conduct essential services... read more →

November 11, 2020

Oct 21

Breaking Down Homeowner’s Associations (HOA)

What is an HOA and how will it affect your quality of living? If you are buying a condo, townhouse, or free-standing home in a neighborhood with amenities such as a shared swimming pool, tennis courts, or parking garages, odds are that there will be a homeowner’s association (HOA). What... read more →

October 21, 2020

Oct 13

FHFA Adverse Market Refinance Fee: FAQs

Q: What is the purpose of this fee? A: The Federal Housing Finance Agency (FHFA) announced that qualifying refinance transactions sold to Fannie Mae and Freddie Mac will be charged a 0.5% fee in order to recover from COVID-19 losses. Q: Why is the fee showing up on October 9,... read more →

October 13, 2020

Aug 24

Transform Your Home into a Virtual Learning Classroom

School is right around the corner, and it’s no secret that things might be a little different this year. With many schools making the call to go completely virtual this fall, parents are left wondering how they’re going to create a classroom-like environment in their home. The answer to that... read more →

August 24, 2020

Jul 20

The Top Strategies to Win a Bidding War on a Home

With a limited supply of houses and a large pool of buyers, its no surprise that bidding wars are becoming standard procedure. As a result of this, buyers must constantly be on their toes to ensure that the home of their dreams doesn’t slip through their fingers. While preparing to... read more →

July 20, 2020

Jul 14

Six Things You Shouldn’t Say When House Hunting

Homebuying is a two-way street. Not only are you looking for the perfect home, but sellers are also looking for the ideal buyers. If you're unaware of proper buyer etiquette and what to keep private from the seller agent's knowledge, then keep reading. These six tips will help you navigate... read more →

July 14, 2020

Jul 02

What to Avoid When Applying for a Mortgage

Buying a house can be a stressful experience that often throws unexpected curve balls. You'll likely come across numerous suggestions telling you what to do when buying a home, but what about the things you shouldn't be doing? Whether you're familiar with the home purchasing process or not, these 6 tips... read more →

July 2, 2020

Jun 30

Welcoming New Team Members During COVID-19

Throughout COVID-19, the Garden State family continues to grow in size. Since the start of the COVID-19 crisis, Garden State has welcomed 11 new members to the team. Despite navigating these unprecedented conditions that are a challenge for everyone, we still aim focus on the most important goal: Customer satisfaction.... read more →

June 30, 2020

Apr 22

Give Super Heroes Lunch

These days, our initials (GSHL) have a different meaning. Give Super Heroes Lunch. To show our support for local businesses and our heroes through COVID-19, we will be providing lunches twice a week from local restaurants to our essential employees. To date, we have been able to provide lunches to... read more →

April 22, 2020

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