Articles Tagged "First-Time Buyers"

When it comes to home styles, there are plenty of options to choose from. From Cape Cod to ranch, you will find homes in every size, shape, and design you may desire in Ridgewood, NJ. Our agents have seen and sold them all, and it is our pleasure to help you find the one that fits your budget and desired lifestyle best!

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Buying a home isn't as simple as looking at an advertisement, making a call, and writing a check. There are many steps and phases involved in the process, and preparing yourself ahead of time will make the process a little easier, less intimidating, and more efficient. Our agents are always ready to help you when you're ready to buy a home in Bergen County, NJ, and the following are some things our team can help you plan for, expect, and prepare for as the process moves forward.

• Do a Financial, Practical, and Emotional Inventory
  How are your finances? How does your credit score look? Do you have all the paperwork needed to secure the mortgage with the lender? Are you planning to retire in the home, move on in a few years as your career advances, or raise your family in the area? Answering these and many other questions is crucial for helping you decide whether to buy a home, as well as determining what type of home to buy, what kind of mortgage terms you can secure, and how much you can comfortably afford.

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A home inspection is an essential step in the house-buying process as the outcome informs your decision to purchase a property. A home inspector identifies any structural issues with a potential home to avoid surprises later on.

However, some inspectors are more rigorous than others. Our agents advise buyers interested in Ridgewood homes for sale to pre-screen several home inspectors. Be sure to ask these questions.

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Think it's impossible to buy one of these Ridgewood homes for sale unless you have 20% saved up? Well, maybe not.

A 20% down payment on a new home has always been the standard guideline. Saving enough reserves can be the single notable hurdle for prospective homebuyers. But it shouldn't have to be. You don't have to make a 20% down payment in today's real estate market. The only downside is that you'll have to pay mortgage insurance without 20% down, which is not necessarily a bad thing.

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Our agents know financing is one of the big questions on buyers' minds. Whether you're looking for Ridgewood homes for sale or searching elsewhere in Bergen County, it's important to know what you can expect.

Throughout 2021, buyers and sellers alike experienced a housing market unlike any other in living memory. Buyers benefited from tremendous credit availability, often at historic low interest rates. This has enabled many to leap into the market far earlier than planned.

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