People who buy homes and real estate from Coldwell Banker Riviera Realty come from near and far to settle in Ocean County. They are your friends with growing families that need a bigger home, or your older neighbors that need to down-size so there is not so much to take care of.Home Buyers moving into Ocean County move across the county, state and country to relocate to our beautiful area. Buyers purchase more homes here because of job changes, to live at the Shore, child rearing, the close proximity to New York City, Philadelphia and Atlantic City, or just to fulfill their dreams of returning to the place they once called home.
Coldwell Banker Riviera Realty real estate agents are well trained experts. They know how to guide you in the right direction with each and every move. We pride ourselves on quality client service, first-hand industry education, and providing you information in the manner you want to receive it.
Let's begin the home buying process so that you can understand how easy and hassle-free Riviera Realty agents make it for you, our valued client.
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Are you ready to build the "American Dream?" Preparing to buy a home can be both exciting and terrifying at the same time. Fortunately, a Riviera Realty agent can lead you in the right direction toward the home for your dreams. You first may want to ask yourself these questions:
You may want to make a list or brainstorm about the features and amenities that you find most appealing in a new home.
Before you choose a real estate agent, it is important to do your homework on the real estate companies in your area.
When choosing a Realtor, do not be afraid to meet with many different agents. They are, after all, competing for your business. This competition is what makes the real estate industry successful.
Feel free to ask them the following questions:
Once you have chosen an agent, it is important to establish specific goals that you would like to meet. It is very important to communicate with your real estate agent and, in turn, that your real estate agent communicates with you.
It is important as a buyer that you establish some kind of financing before you make any serious home offer. The "pre-approval" process allows lenders to take a look at your finances and credit history in order to make a general assumption about your loan amount.
The pre-approval process is when a lender looks at all of your finances and determines the amount of money you could afford for a mortgage.
In order to get pre-approved for a loan, you need to contact a lender. Your Riviera Realty agent can help you help you find a lender that you feel comfortable with, and that offers programs best-suited to your needs.
Now it is time to start the exciting search for homes! You may want to narrow down your search by asking yourself the following questions:
Searching for a home is becoming easier than years ago. We now have the Internet as a powerful "home finding tool," as well as the MLS (Multiple Listing Service) and print advertising.
Beginning the search for your new home can be a great feeling. It is important that you directly communicate what you desires in a home are to your real estate agent.
You may want to first begin by making a list of the features and benefits that are most important in your pursuit of finding a home. These could be:
Looking for a home in an area where you feel comfortable is key. If appropriate, instruct your real estate agent to look for homes in the specific areas you have designated.
Selecting a home should be relatively easy once a home falls somewhere in your criteria and the property is desirable for purchase.
You will want to inform your real estate agent what you like about the house and make a list of your likes and dislikes with the property. Though you will most likely have done this already in a general sense, it is important to do it again for specific homes you have in interest in.
There are three steps in selecting a home:
This is all a part of the negotiation process.
Communicating about the house and how it makes you feel is important when making this decision. It is also important to be realistic when it comes to how much you can afford when selecting "your" home.
Doing you homework about loans will save you both time and money. If you have already contacted a loan officer or mortgage company, we urge you to seek a second proposal. We recommend you contact William Ellis and obtain a comparison mortgage proposal. There are thousands of loans out there to choose from, but it is important to keep in mind several key factors that will help you along the way:
Receiving a loan requires completion of a loan application and specific financial documents including pay stubs, rental checks and/or tax returns. You can receive a loan from a number of different financial institutions, namely: commercial banks, credit unions, mortgage bankers, mortgage brokers, savings and loan associations, mutual savings banks and insurance companies.
Insuring your home is like making an investment in your future. You work hard to have a home; homeowners insurance protects you and your family from someone or something taking it all away.
There are many different forms of insurance:
The closing process is always changing. It is even referred to as "settlement" or "escrow" in different parts of the country. With increased technology, most closings are completely automated and both parties do not have to be present at the same time to sign.
Closings usually take about 30 days to complete. This mainly depends on the buyer's financing availability, successful home inspection completion, and various lender conditions (ex. title search, title insurance, termite inspections, surveys and appraisals).
The closing process is the transfer of the title of the property from the buyer to the seller. The buyer will receive the keys to the home or the deed to the land, while the seller receives payment for the property. The amount the seller receives is based upon the amount that is still owed on the mortgage, any outstanding fees or taxes, and any additional closing costs. All legal papers are filed with the local record office.
It is this step where the buyers and sellers do very little. It is important as the seller to take a final walk through the property to make sure the property's condition as not changed. It is equally important for both the buyer and seller to make sure the paperwork they are signing reflects the agreement of the original sale.
You have unpacked your boxes, arranged your furniture, and feel complete with your moving task. What's next? There is always an adjustment period when you move. It is important to understand that what you, your spouse and/or children may be feeling is completely normal.
Here is a list of a few things that may help:
The information above is provided to help with all your New Jersey and Ocean County real estate needs. Coldwell Banker Riviera Realty, Inc. specializes in Ocean County homes for sale, particularly with Barnegat homes for sale, Berkeley homes for sale, Brick homes for sale, Colts Neck homes for sale, Forked River homes for sale, Freehold homes for sale, Howell homes for sale, Jackson homes for sale, Lakewood homes for sale, Manahawkin homes for sale, Manchester homes for sale, Millstone homes for sale, Plumsted homes for sale, Point Pleasant homes for sale, Point Pleasant Beach homes for sale, Toms River homes for sale, Upper Freehold homes for sale, Wall homes for sale and more.