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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 property, in addition to a physical description of the property. It will also have any liens that are on the property in certain situations. There are four different ways that you can hold a title. Sole ownership There are a few ways that you can hold a sole ownership title....
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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 selling process. What NOT to Say When Selling Your Home “Our house is in perfect condition.” This is a hard sell. Even if you think that the house actually is in perfect condition, the home inspection may prove differently. In the end, every house, whether new or resale, has something that could be fixed,...
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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 experiences ranging from food, shopping, and cultural events. Whether you are looking to live in an urban high-rise, a single-family home in the suburbs, a beachfront cottage or a sprawling farm, New Jersey can offer you the lifestyle of your dreams. Why Choose New Jersey? Here's a few great reasons......
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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 Say During The Home Buying Process 1. “I love it! This is my dream house!” By saying this, you are giving the seller unnecessary leverage. Telling the seller that you love the house or that it is your dream house takes away your negotiating position. Keep this to yourself and...
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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 to find out more. About Verification of Income and Assets In order to get pre-approved for a mortgage, a mortgage lender will need to verify your income and assets. This will help to determine how much of a mortgage you can afford. It will also help determine what your interest...
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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 house. However, there are some things that you shouldn’t do. Here are six feng shui mistakes. Feng Shui Mistakes A bed and a door You spend about a third of your life sleeping. So, shouldn’t you want to have the best atmosphere possible? To do this, you should start with...
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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 seem larger, and feel as though you have more space for your closet items. 6 Tips For Making Your Tiny Closet Feel Bigger Here are some tips to make your small closet space work for you. Add a fresh coat of paint – and a light To make your closet...
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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 took steps to keep money flowing through the mortgage financing system. Since the Federal Reserve pledged to cut short-term rates and buy billions of dollars’ worth of mortgage-backed securities, rates on home equity lines of credit and fixed-rate mortgages have fallen. The rate reductions were designed to stimulate the economy...
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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 the best experience. We have a local office with a focus on NJ clients. Our office is dedicated to providing clients with the best online tools for their New Jersey home modification and refinancing plans. For the last 25 years, we’ve perfected our process so that our customers have a...
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