When housing prices start to rise, buyers get nervous and start to question the worth of the home and if they are paying too much for it. Because the last thing you want to do is make an offer on a house priced too high! In some competitive markets, sellers think the sky is the limit when setting an asking price. So as a buyer, you have to take several factors into account in order to determine whether a home is actually worth the asking price. Here are 4 ways to know if a house is overpriced. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about 5 reasons why you should NOT get a mortgage online. Online transactions have become so fast, reliable and convenient, we do almost everything online—from buying groceries to banking, paying bills and shopping. So why not get a mortgage online too? After all, mortgage sites promise choice, simplicity and approval within minutes. But should we really feel secure borrowing hundreds of thousands of dollars with a click of a button on a laptop or smartphone, without professional assistance? Here are 5 reasons why it’s NOT a good idea to get a mortgage online. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

It sounds crazy, doesn’t it?Negative interest rates. You put money in the bank and instead of earning interest, you have to PAY the bank for keeping your money safe! In essence, that’s what negative interest rates are. Here’s what every homeowner needs to know about so-called “negative interest rates”. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Knowing how much your home is really worth can be confusing. Between the market and assessed values, how do you know what it’s really worth? Whether you’re calculating your net worth or just thinking about selling, it’s important to know the value of your home. But which value should you pay attention to: market value or assessed value? Here’s the difference between the market and assessed value and how they are calculated. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

OK, today we’re going to talk about BAD DEBT and why you need to avoid it like the plague. There are two kids of debt: Good debt and bad debt. Good debt is used to buy assets that provide positive cash flow and/or appreciate in value. Bad debt, on the other hand, is used to buy doodads that depreciate in value. Here are 5 ways BAD DEBT limits your life. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about how millennials are changing the real estate landscape. As millennials become the largest adult generation, it’s no surprise that they’re becoming a major force in home buying. According to Zillow, a US-based online real estate marketplace, millennials now make up 42% of all homebuyers. Here’s how millennial buyers and sellers differ from previous generations. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about how to make and accept an offer on a house. Whether you’re buying or selling a property, getting to the purchase offer is the first goal. Unfortunately, many challenges can stand in the way. Buyers have to decide what they can afford, what the seller is likely to accept, and what competing buyers may be willing to pay. And sellers not only have to aim for the highest price, they also have to consider terms and conditions that could make the offer less likely to close. Here’s what every homebuyer and seller needs to know. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about how the internet has impacted home searching, buying and selling. We’re so used to shopping online, we sometimes forget how technology has transformed the home buying process. Websites, social media, mobile apps, messaging and other platforms help make shopping for and finding a home faster, easier, more efficient, and less frustrating. Here are 5 online capabilities that today’s prospective homebuyers could never live without. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about 5 ways you can win the bidding war. If you’re house shopping in a competitive market, you’re likely to encounter a bidding war. Unfortunately, bidding wars can be frustrating, expensive and time consuming. However, it’s still possible to get the house you want. Here are 5 ways to win a bidding war. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to cover 5 steps for determining how much home you can afford to buy. Buying a home involves lots of decisions…
• condo or single family?
• big or small?
• inner city or suburban?
• new or old?
But the biggest and most important decision is: how much can I afford? Here are 5 steps to figure out home much home you can afford. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about refinancing your mortgage and how you can speed up the process. Whether you’re refinancing to access extra cash or lock in a rate before they rise further, you want things to happen quickly. Here are 6 steps to refinancing (and how to speed up the process). If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about how to avoid being house-rich, but cash-poor. Being house-rich and cash-poor means you have more equity in the value of your home than you have in liquid assets. Or, your debt-to-income ratio is higher than 40%. Home ownership is a sound financial decision that helps build future stability. But it can also lead to hardship if you take on a financial commitment you can’t realistically afford. Here are 5 steps to avoid becoming house-rich but cash-poor. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about what you need to know before buying a home with a guesthouse. A guesthouse is a small, self-contained secondary home on the same lot as the main house. Also known as accessory dwelling units (ADUs) or secondary suites, they’re often in high demand as a way to earn revenue from your home. But there are potential pitfalls. Here are 5 things to consider before buying a home with a guesthouse. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Buying a house involves purchasing the services of several professionals. For example: a lawyer, Realtor, appraiser, mover, etc. So the last thing you may want to do is hire another professional. However, hiring a home inspector is absolutely essential if you want to make sure you’re getting a quality home that won’t constantly surprise you with ongoing repair costs. In making an offer on a house, most Realtors will recommend that you make the deal conditional on a home inspection. Here are 2 Reasons Why SMART Homebuyers Hire Home Inspectors. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about 6 ways your family can save money, but still have fun. Making the most of time as a family doesn’t have to mean spending a bunch of money. In fact, you could be earning some! Here are 6 ways to save money and stay social. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about some important things to consider before downsizing your home. In 1950, the average single-family home in the US was 1,000 square feet, and today it’s 2,600 square feet. The difference is even more dramatic when you consider how much larger families were in the 1950s! Some find themselves living in unnecessarily large homes, which leaves room for downsizing and saving. But before you rush in to selling and buying small, here are 5 things to consider before downsizing. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about how to accelerate your career. What do you want from your career?
• More money?
• A promotion?
• More fulfillment?
• Greater flexibility?
Whatever goals you have in mind. Here are 4 strategies for accelerating your career. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about buying a home at an auction. Auctions aren’t just for rich people. When houses are sold at auction, the prices can be downright cheap. Here’s how to save BIG by buying a home at an auction. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Many of the world’s wealthiest people got that way by investing in real estate. But it’s difficult to come up with the hefty 20% down payment required to buy an investment property. Here are 6 ways to make investing in real estate more affordable. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.

Ok, today we are going to talk about everything you need to know about closing costs. Buying a home involves more expenses than just the price of the property itself. One category of expenses that most people forget to budget for is closing costs. Here are 8 closing costs every homebuyer needs to know. If you're looking for a top notch mortgage broker in Toms River, call us at (732) 904-7856.