Gloucester County, NJ Mortgage and Real Estate Blog

Glassboro NJ Home for Sale - OPEN HOUSE

Stephen Kappre, Helping You Home (KW Hometown) — Sat, 04 Nov 2017 16:03:18 -0700

Glassboro NJ Home for Sale OPEN HOUSEBeautiful New ConstructionBeautiful open floor planMinutes to Route 55Granite counters, soft close cabinets and drawers, stainless steal appliancesA MUST SEE!!Come for a personal tourSunday, November 5th1-3 PM111 Isabella Dr. Glassboro, NJ Check out my previous blog post – Gloucester County, NJ First Time Home Buyer Options Stephen Kappre is a Real Estate Agent with Keller Williams Hometown Realty in Swedesboro, Gloucester County, NJ. Stephen works in the South Jersey area and would love to help you buy a home, sell a home, or invest in real estate. Call/text Stephen at 856-419-3561 or at kapshomes@gmail.com

First Time Home Buyer Options in Paulsboro

Stephen Kappre, Helping You Home (KW Hometown) — Wed, 01 Nov 2017 08:13:36 -0700

FIRST TIME HOME BUYER OPTIONS IN PAULSBORO

Paulsboro, NJ

This spacious home with wonderful classic charm has 2-units, each unit with three bedrooms, kitchen, bathroom, dining room, living room, and bonus room with potential for a 4th bedroom. Enjoy beautiful hardwood floors, wall-to-wall carpet, as well as updated kitchens and appliances. In addition to the huge space inside, this home offers a two-car garage, patio, 2-car driveway space and extensive street parking.

MAY INCLUDE 100% FINANCING | FIRST-TIME HOME BUYER PROGRAMS CALL TODAY FOR MORE INFORMATION

CASH TO CLOSE HOUSING EXPENSE

Financing	FHA REG	VA	CONV	CONV	USDA
Notes	Fixed Rate	Fixed Rate	Fixed Rate	Fixed Rate	Rural
Sales Price	$119,000	$119,000	$119,000	$119,000	$119,000
% Down	3.50%	0.00%	10.00%	20.00%	0.00%
First Loan	$116,844	$121,558	$107,100	$95,200	$120,202
Term	30 Years	30 Years	30 Years	30 Years	30 Years
Rate	3.625%	3.750%	3.875%	3.875%	3.750%
APR	4.857%	4.109%	4.372%	4.017%	4.445%
Down Payment	$4,165	$0	$11,900	$23,800	$0
Closing Costs	$2,802	$3,207	$2,315	$2,315	$2,315
PrePaids/Impounds	$2,696	$2,704	$2,803	$2,681	$2,773
Total $ Required	$9,663	$5,911	$17,018	$28,796	$5,087
First Loan P & I	$533	$563	$504	$448	$557
Taxes, Ins & MI	$507	$426	$481	$426	$461
Total Payment	$1,040	$989	$985	$874	$1,018

Carol & Rich DeGrace

Senior Vice Presidents

NMLS# 149276, 149277

Office	(856) 885-2022
Cell	(609) 209-3800
Cell	(609) 209-3700

CDeGrace@1stcolonial.com

RDeGrace@1stcolonial.com

1st Colonial Community Bank

OPEN HOUSE - Four Seasons in Woolwich

Stephen Kappre, Helping You Home (KW Hometown) — Sat, 28 Oct 2017 20:18:35 -0700

OPEN HOUSE - Four Seasons in WoolwichCome visit us todayfrom 1-3 pmto see this beautiful home!209 Wilshire in Woolwich(10/29/2017)Call for more information. Stephen Kappre is a Real Estate Agent with Keller Williams Hometown Realty in Swedesboro, NJ. Reach Stephen at 856-419-3561 or kapshomes@gmail.com

USDA Home Financing for One Hundred Percent Loans

Stephen Kappre, Helping You Home (KW Hometown) — Mon, 30 Oct 2017 07:22:51 -0700

USDA Home Financing for One Hundred Percent LoansHave you considered these outside-of-the-box options?As popular as this 100 percent financing home buying option is in Gloucester and Salem County, NJ, I often find home buyers that do not know about this option. Zero down payment home loans are a pretty sweet deal. And when renters and first time buyers find out that the seller of the home they are buying can pay closing costs, it almost sounds too good to be true. Contact Steve now for help - 856-419-3561USDA mortgages are 100% financing loans for rural and suburban areas. Don't worry it's not just for farms or homes with huge lots, although it can be. It is just designated for specific areas in each county. Sometimes these loan options can get the reputation of being just first-time home buyer options. However move-up buyers can utilize them as well. As always, it is very important to talk to an experienced mortgage loan officer to have all of the details ironed out before you make offers and find that perfect house. If you want to know about all off your options, work with a Realtor and loan officer that are experienced, creative, and put your personal goals first. This can not be over stressed. Just using "Aunt Bertie" may be an easy move, but also may leave a substantial amount of money on the table, not just at settlement but over the years. Buying and owning a home is a huge financial transaction. The importance of following a well thought out home purchase, sale, and financing plan is vital to your success and wealth. Stephen Kappre is a Realtor in Gloucester County, NJ with Keller Williams Hometown Realty in Swedesboro, NJ. Reach Stephen at 856-419-3561 or kapshomes@gmail.com

Gloucester County, NJ First Time Home Buyer Options

Stephen Kappre, Helping You Home (KW Hometown) — Wed, 25 Oct 2017 05:54:42 -0700

Gloucester County NJ First Time Home Buyer OptionsFirst time home buyers have many options in Gloucester County. Whether buying a condo, a single-family home, or a multi-unit home, there are many options such as: Low downpayment loans No downpayment loans 100% financing Grant programs County programs State programs Down-payment assistance programs Seller financing Co-signer options Gift options ... and more ... Call Steve for help with first time buyer options. 856-419-3561 To obtain the best terms possible, it is paramount that you work with experienced, knowledgable professionals. A great real estate agent can negotiate the terms you need and a great mortgage loan officer can structure the financing that is the absolute best for your particular scenario. Every transaction is unique and there is an almost limitless combination of negotiating/financing structures possible. Don't trust just anyone with these options - it could be the difference between success and failure on the largest financial transaction of your life! Get pre-approved before shopping if possible, and discuss in detail your goals with your real estate agent. Making offers before doing your homework can be putting the cart before the horse and will at times cause a buyer to miss out on the best options. (Note: This article was originally was posted here at Steve's blog: Gloucester County, NJ First Time Home Buyer Options) Stephen Kappre is a Real Estate Agent with Keller Williams Hometown Realty in Swedesboro, NJ. Steve specializes in helping first time home buyers with home buying options. Reach Stephen at 856-419-3561 or kapshomes@gmail.com

Home Refinance in Gloucester County, NJ

Stephen Kappre, Helping You Home (KW Hometown) — Tue, 24 Aug 2010 09:57:11 -0700

Home Refinance in Gloucester County, NJ Have you been thinking about refinancing your home? With all of the negative housing industry news lately, it is easy to forget about lowering your housing bills with a refinance. Rates are currently very low and there is a large percentage of home owners who can benefit from a refinance. Does your math line-up? You can refinance to save money every month. You can also refinance to change the loan terms. Typically when home owners change loan terms, it is from a 30 to 15 year loan. The reality is that I've met many home owners who's "math" doesn't line up. For example, I may ask them when they plan to retire. They answer, "in 10 years", but the facts are that their mortgage will last for the next 30 years, and they can't afford to comfortably make the mortgage payments on their "retired income" (in 10 years). As the saying goes, "You don't know unless you ask!" Should you refinance now? Maybe. The best plan is to talk to someone with access to mortgage rates and options, that can give you sound advice. Talk to a knowledgeable loan officer today. The worst he/she can say is, "Now is not a good time". Conversely they may help you save money, time, and help you properly plan for retirement. If you would like to talk to a local mortgage loan officer, feel free to call and I'll do my best to point you in the right direction for your personal needs. Steve Kappre is a mortgage loan officer in New Jersey. Steve is married with 3 children, has lived in South Jersey his whole life and has 10 years experience as a mortgage loan officer. For more info or questions feel free to contact Steve.NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

Can I Qualify for a Mortgage with a Large Collection/Derogatory Debt on My Credit?

Stephen Kappre, Helping You Home (KW Hometown) — Mon, 23 Aug 2010 15:38:10 -0700

Can I Qualify for a Mortgage with a Large Collection/Derogatory Debt on My Credit? Can a home buyer qualify for a mortgage with a large collection-type account on their credit, such as a car repossession or a judgment? And if so, does the buyer have to pay it off before settlement? The answer is YES a buyer may qualify for a mortgage with a large derogatory/collection account on their credit report. If the buyer has to pay it off before or at settlement (or not at all) mainly depends on the underwriter/lender. When it comes to a collection-type account, lenders will vary as to what exactly has to be done to qualify for a mortgage. Some loan officers will tell a buyer to pay off all collection accounts or anything at all derogatory on their credit. This can at times be some of the worst advice for a home buyer. Here is why ... Paying off a collection account can drop your credit score, and we are talking A LOT of points. Not all collections/judgments (etc.) are required to be paid off. Buyers: Get approved FIRST - Then see what the requirements are to go to settlement. Even if a lender requires an account to be paid off, it can almost always be paid at settlement. This is better for the buyer as they can save the money required and it won't drop their credit score before settlement. There is another potential option: Sometimes a buyer is allowed to bypass paying off the entire collection if they can clearly document satisfactory payments on the account for 12+ months. In this case the monthly payment is calculated into the buyer's monthly installment debts. TIP: If a loan officer quick looks at your credit report and tells you to pay every collection and/or derogatory account off, and then come back to him/her to get qualified, then you should probably find another loan officer to work with, one who has a much better grasp on the realities of the credit scoring model. Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer dot com | NMLS ID: 218007

Why Your Listing Agent Should Be A Blogger

Stephen Kappre, Helping You Home (KW Hometown) — Fri, 13 Aug 2010 06:18:22 -0700

Great info when considering a listing agent to sell your home. There is no reason these days that a seller's home should not show up on Google BY ITSELF (aside from Real estate centered websites). I'm not saying it should stay #1 on Google for weeks. But it should be found outside of the MLS and other real estate websites. When interviewing agents to sell your home, ASK QUESTIONS such as "do you blog, and can YOU SHOW ME SOME EXAMPLES ... ?" It is your home - as a seller be tough on agents during the interviewing process and you won't have to be tough during the entire selling timeframe!! Why Your Listing Agent Should Be A Blogger Question: What do most people do these days when they want more information? Answer: They GOOGLE IT! And your home and its "findability" on the Internet is no different. Over 80% of home buyers start their home search on the internet. Therefore to list your home for sale with a Realtor who is NOT all over the Internet and, most importantly, blogging, is like plucking dozens of eyeballs out! Ok, that sounds silly. But eyes are what you need. As a seller, VIEWS (virtual or literal) are what you need. Typical Scenario What might home buyers type in when they are searching? Well any good Realtor will know that they can use tools created by Google to find the most common search terms, such as: Homes for sale in (Your Town), First time home buyer in (Your County), Homes for Sale on Main Street, (Your Town), Information about Amherst Farms (or any other development) ... and so on. Therefore it is important that your Realtor, your neighborhood, your town, and your home for sale, can be found on the first page of Google or any other search engine. This is accomplished by having a Realtor that is Internet savvy and is a blogger. Blogging "ranks" high when someone performs an Internet word search like on Google. The most amazingly beautiful, high tech super-duper custom webpage for your home for sale doesn't mean SQUAT if home buyers do not find it when they are searching the Internet. Let's wrap this up with a little test ... Search for these various terms and see if "Andrea Kappre" shows up anywhere ... "Homes for Sale in Amherst Farms, Mickleton" - "Realtor in Gloucester County" These are just two examples ... a narrower search such as your street or your development will likely place you in the top 2 or 3 results on Google. Now Imagine YOUR HOME is the first one a buyer sees when searching on Google!!! To list with a non-blogger - that is listing suicide! Andrea Kappre is a Realtor in New Jersey, helping buyers and sellers to successfully accomplish their real estate goals. For your own customized MLS search of homes for sale in Gloucester, Salem or Camden County or other South Jersey areas, Click the Search the MLS link below or call or e-mail Andrea Kappre now. You can visit Andrea on the web at www.AndreaKappre.com Contact Andrea Kappre at 856-419-3560 or AndreaKappre@yahoo.com

Name that Phillie

Stephen Kappre, Helping You Home (KW Hometown) — Thu, 12 Aug 2010 02:38:14 -0700

No not a horse, but a Philadelphia Phillie. On my recent tour of Citizen's Bank Park, there is a section in the stadium that has the shadows of some of the great Phillies. This was one of my favorites, and if you call yourself a Phillie's Phan, you have to know this one ... Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

Real Estate Professional in Training and YOUR HOME is the Training Ground!!

Stephen Kappre, Helping You Home (KW Hometown) — Mon, 09 Aug 2010 10:04:30 -0700

Real Estate Professional in Training and YOUR HOME is the Training Ground!! Everyone is a "newbie" at some time. We see managers training the teenager at Taco Bell or the "Student Driver" signs atop of cars. But when was the last time you saw a "Real Estate Professional in Training" badge on a Realtor or loan officer? Never? A good real estate company will hold an agent's hand during the "baby" stage. And a good lender will make sure a complete mortgage application is completed for a new loan officer. Sadly what often takes place is a "sink or swim" training method and some poor soul's home purchase is the training ground. We've seen this with both newbie real estate professionals and often with the "I'm using a relative" scenario. Is it a fair question to ask a professional how many transactions they have completed lately ... this year ... EVER? ABSOLUTELY. I'm working with a newbie ... I'm scared! As a home buyer, working with a new agent or loan officer isn't necessarily a curse. Just because a real estate professional is new to the business doesn't mean they have to be new to professionalism! Indeed, some new real estate professionals are years ahead of some of the "dead wood" that has been around for years. (And I would tell some people to their face if they asked!). If a newbie has strong support, you can feel confident they should do a fair job. If they lack support and they are green, then you are rolling the dice and "good luck" with them handling one of the largest transactions of your life. Real estate transactions are highly detailed. The home buyer should never be the training ground that a new agent or officer learns the ropes on. They might lose a commission check if the transaction doesn't close. A home buyer however may lose a home, a place to stay, a lot of money, or even worse. As a home buyer, DO NOT be afraid to ask questions upfront and put the professional you choose to work with to the test. Any professional worth your time will welcome the questions and concerns. And that is a fact, because in such a situation, the professional has the oppurtunity to shine, which will help all parties understand one another and work better together. (Side Notes for the Professional ... As a new agent or loan officer, do not accept a company that treats training as a "put out the fire" situation. If the company you are joining doesn't have a training program written down before you join them, be skeptical about what training you will recieve. Some owners/managers are nothing more than glorified salespeople and are only looking to make money from you. They don't care about your success. Don't line their pockets as you make a bad reputation for yourself.) Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

How to Sell Your House

Stephen Kappre, Helping You Home (KW Hometown) — Sun, 01 Aug 2010 13:22:33 -0700

Some simple, sound advice.How to Sell Your House Whenever you hear people discussing real estate you can bet your last dollar that you will hear the phrase "location, location location" mentioned. I am a firm believer that the location of a home can hinder or help in a sale, but I know the most important aspect when selling your home is PRICE. If you really want to know how to sell your home, the answer is short and simple: Set the correct price from the start. How do you calculate the "right price"? Below are a few tips to follow: Don't just get a market analysis, trust the results - The market analysis determines the value of a home based on the amount comparable homes have sold within the last year. Real estate appraisers will look at these recent sales when they determine the value of the property for mortgage purposes. One of the most important facts about real estate transactions and mortgages to understand is that the mortgage company will not lend above the value determined by the real estate appraiser. Therefore, pricing a home above the value determined in a market analysis done by a real estate professional will not help you make a greater profit. Time factor: If you need to sell fast, price it as low as you are comfortable with. Typically the lower the price the faster the sale. If a home is priced too high from the beginning, a seller almost invariably ends up with a lower sales price then if the home had been priced correctly from the beginning. The trick in any market is the price. Homes priced correctly sell. You hired a professional... listen to their advice. You are paying for professional advice, don't ignore it. ASSUMING your agent is experienced and professional, they will give you great advice based on market research and experience in sales and real estate. You wouldn't do research to find a great doctor, then after a diagnosis go with your own ideas would you? Choose Wisely! Do not hire the real estate agent who gives you the highest value as a listing price. There are some agents who will start out with an unattainable listing price and after a few weeks begin to tell you it is time to reduce your price. How much time is wasted when you are priced too high? Hire an agent who will base the value of a home on facts. Andrea Kappre is a Realtor in New Jersey, helping buyers and sellers to successfully accomplish their real estate goals. For your own customized MLS search of homes for sale in Gloucester, Salem or Camden County or other South Jersey areas, Click the Search the MLS link below or call or e-mail Andrea Kappre now. You can visit Andrea on the web at www.AndreaKappre.com Contact Andrea Kappre at 856-419-3560 or AndreaKappre@yahoo.com

Family Fun at the Gloucester County 4-H Fair and Peach Festival

Stephen Kappre, Helping You Home (KW Hometown) — Wed, 21 Jul 2010 02:45:24 -0700

The 4H Fair is always a great time. If you live in the Gloucester/Salem county area and are looking for something to do over the next few days, definitely give this a shot.Family Fun at the Gloucester County 4-H Fair and Peach Festival July 22-25, 2010, 4-H Fairgrounds, Route 77 South, Mullica Hill, NJ The Kappre family has a few family traditions. One of them is the Gloucester County 4-H Fair. And yes, the homemade peach ice cream is on the top of everyone's list. We are not farmers, and we don't own livestock, but we love to go to the fair to see the animals, the shows, the pig races, the crafts, the homemade kid's toys, and of course all the delicious food. You can walk among the cows, the pigs, the horses, the sheep and other farm animals. It is a good learning experience for younger children who are not used to being around these animals. They are massive and sometimes funny to watch. Lets not forget the tent of lizards and frogs and other aquarium animals. There are contests, tractor pulls, rides for the kids and many other events. More detailed information here. Times: Thursday, Friday, and Saturday: 9AM to 10PM. Sunday: 10AM to 5PM Admission is free, but there is a $10.00 parking donation per carload which is good for all four days. Andrea Kappre is a Realtor in Gloucester County NJ, helping buyers and sellers to successfully accomplish their real estate goals. For your own customized MLS search of homes for sale in Gloucester, Salem or Camden County or other South Jersey areas, Click the Search the MLS link below or call or e-mail Andrea Kappre now. You can visit Andrea on the web at www.AndreaKappre.com Contact Andrea Kappre at 856-419-3560 or AndreaKappre@yahoo.com

Reverse Mortgage Scams

Stephen Kappre, Helping You Home (KW Hometown) — Thu, 03 Jun 2010 15:20:14 -0700

Reverse Mortgage Scams (Alternate title: Dealing with My Stupid Criminal Loan Officer Peers) I wish I could say that this was a "stupid criminal" situation like Jay Leno loves to see. It is not. If you would like to get really ticked off, read on. I received a call two days ago from a reverse mortgage client of mine. They closed about a year ago. Mr. Jones (as we will call him) called me to ask me this question: "I recieved a call today from a loan officer. He said that the mortgage company that we closed our loan with went out of business, and that we need to sign new paperwork. He said he was going to send us a new mortgage package. He told us to just sign everything and send it back. Is this right and should we sign?" Does it make you start to wonder how many seniors are scammed this way? Just in case you are wondering, once a loan is closed, you can have 1,000 banks go out of business. YOU DON'T NEED to resign anything. This scenario above is a complete scam. And I hope it makes you as irrate as it makes me! One would hope that after all the industry changes in the past year that the scum in this business would be gone. Nope. They just have invented new ways to crush someone to make a fast buck. The great news is that Mr. Jones still had my number handy and called me first. That move just saved him $1,000's plus massive heartache. (the LAST thing a senior in his late 70's needs!!) I plan to have Mr. Jones tell the loan officer to send that new loan package out, so that I can then go personally pick it up, and forward the same scenario to any and every banking official I can get a hold of. Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve.NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

Timing Is Everything

Stephen Kappre, Helping You Home (KW Hometown) — Sat, 29 May 2010 04:41:36 -0700

Timing Is Everything Here's a fun little picture my wife took when we were heading into our development last night. This big guy was in the street atop a bridge, which means he worked REALLY hard to get to the wrong place. (Ain't that so true in life!). If I'm not mistaken, this is the second time I am rescuing this guy ... Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

New Jersey First Time Home Buyer Programs and Options

Stephen Kappre, Helping You Home (KW Hometown) — Sat, 29 May 2010 04:23:23 -0700

New Jersey Housing and Mortgage Finance Agency (NJHMFA) mortgage interest rates as of May 10, 2010. This includes the Smart Start NJ First Time Home Buyer Program. Smart Start allows a home buyer to obtain the required downpayment for an FHA loan. As an example, a home buyer purchase a home for $100,000. Their required down payment would be 3.5% (or $3,500). In this situation their loan amount would be $96,500. The Smart Start program offers the buyer 4% of the loan amount or in this case $3,860. ($96,500 x 4%). This covers all of the required down payment for an FHA loan and even puts some money towards the closing costs (which the seller can pay the rest if negotiated correctly). First Time Home Buyer 30 Year Term 5.250% - First Mortgage with no Smart Start assistance 5.625% - First Mortgage with 2% Smart Start assistance 5.750% - First Mortgage with 3% Smart Start assistance 6.000% - First Mortgage with 4% Smart Start assistance The 40 year team requires an additional add-on of .125% Home Plus 5.625 with 3 points Purchase/Rehabilitation Mortgage Program 5.625 with 3 points Other NJHMFA options include Police and Fire Loans and Live Where You Work. Steve Kappre and Treasury Mortgage are an approved and servicer of NJHMFA Smart Start loans. Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com | NMLS ID: 218007

NJ First Time Home Buyer Program Income Limits

Stephen Kappre, Helping You Home (KW Hometown) — Thu, 27 May 2010 15:24:01 -0700

Smart Start and other NJ Housing and Mortgage Finance Agency options have a strong place in the real estate market in South Jersey, and these are great loans for NJ First Time Home Buyers, Police and Fire loans, Live Where You Work, and more. As you can see the income limits are rather generous and allow the majority of first time home buyers to have down payment assistance options. Indeed, most first time buyers can get into a home and can recieve funds to cover the entire down payment needed (as is the case of a 3.5% down payment requirement for an FHA loan). You must work with an approved lender (like Treasury Mortgage) for this option, and the mortgage and the assistance program are all one program and must be utilized as such. NJ First Time Home Buyer Program Income Limits The State of New Jersey has raised the income limits by several thousand dollars for their First Time Home Buyer Mortgage Program (NJ HMFA Smart Start Program). The income limits are even higher for households with three or more members. A great amount of the NJ population can benefit from this program to assist them in purchasing their first home. For more information about NJ First Time Home Buyer Assistance Programs or about Gloucester County Home Buyer Assistance Programs contact Andrea Kappre at 856-419-3560 or andreakappre@yahoo.com. Andrea Kappre is a Realtor in Gloucester County NJ, helping buyers and sellers to successfully accomplish their real estate goals. For your own customized MLS search of homes for sale in Gloucester, Salem or Camden County or other South Jersey areas, Click the Search the MLS link below or call or e-mail Andrea Kappre now. You can visit Andrea on the web at www.AndreaKappre.com Contact Andrea Kappre at 856-419-3560 or AndreaKappre@yahoo.com

Amherst Farms, Mickleton, NJ (East Greenwich) Home for Sale

Stephen Kappre, Helping You Home (KW Hometown) — Sun, 18 Apr 2010 15:52:19 -0700

Amherst Farms, Mickleton, NJ (East Greenwich) Home for Sale (Updated Photos)

200 Hopkins Road
Mickleton, NJ 08056
For Sale By Owner in Amherst Farms, Mickleton, NJ

Home

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Contact Seller Directly

Daytime:	856-419-3561
Evening:	856-419-3561
eMail:	Contact

Price	:	$599,000
Bedrooms	:	4
Bathrooms	:	3.5
Square Foot	:	4,200
Lot Size	:	32,670
Community	:	Amherst Farms
County	:	Gloucester
Property Type	:	FSBO
Year Built	:	2007

click for more information and pictures

Property Description

2 story home with walk out basement on wooded premium lot. Property backs up to preserved land with enourmous yard and mature trees. Quiet street located conveniently close to 295 with easy commute to Philly and Delaware. Gourmet kitchen with 42" maple cabinets, double oven, corian, large center island, and walk-in pantry. Separate laundry room. There is rough plumbing in the unfinished basement for a full bath. Storage galore in the huge basement (approx. 2,000 sq.ft). Double-hung windows t/o entire home. Two car side-entry garage with insulated door. Call for a tour.

Features List

4 Bedrooms	3.5 bath	Full Basement
Florida Room	Sunroom	Gourmet Kitchen
Princess Suite	Jack-n-Jill Bath	Master Suite
2-Story Family Room	Fireplace	2-Story Foyer
Hardwood Floors	3 Zone Heat/AC	1st Floor Office
Crown Molding t/o	Wainscotting	Walk-out Basement
Family Room	Living Room	Formal Dining Room

Equal Housing Opportunity.

South Jersey Real Estate Professionals: Handling the Delicate Home Buying Process with Confidence

Stephen Kappre, Helping You Home (KW Hometown) — Wed, 31 Mar 2010 17:00:48 -0700

Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com

Gloucester County Realtor and Loan Officer Team

Stephen Kappre, Helping You Home (KW Hometown) — Wed, 31 Mar 2010 16:12:16 -0700

Home for Sale in Cherry Hill, NJ (Camden County) | 4 Bedroom Newly Renovated Colonial | For Sale By Owner

Stephen Kappre, Helping You Home (KW Hometown) — Tue, 30 Mar 2010 12:32:17 -0700

Home for Sale in Cherry Hill, NJ (Camden County) | 4 Bedroom Newly Renovated Colonial | For Sale By Owner Put this one on your list of homes to see! Two story colonial that is newly renovated with 4 Bedrooms, 2.5 Baths, 2 car garage, Central Air and Heat and more! Call for a tour today.

1909 Birchwood Park Drive North
Cherry Hill, NJ 08003
Two Story Colonial Newly Renovated

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Richard DeGrace

Daytime:	609-209-3700
Evening:	609-209-3700
eMail:	Contact

Price	:	$324,900
Bedrooms	:	4
Bathrooms	:	2.5
Community	:	Point of Woods
County	:	Camden
Property Type	:	FSBO

click for more information and pictures

Property Description

Lovely 4 bedrooms, 2.5 bath Colonial home has just been renovated. New Eat in Kitchen with a sliding door to the large, fenced in back yard. The family room has a fireplace with a full brick wall and mantel. This home also has a formal dining room and living room. New bathrooms with ceramic tile. On the second level this home has plenty of space for your family with generously sized bedrooms and large master suite with private bath. The full finished basement is also a great area for the family. Other amenities include a large laundry room/office, 2 car garage, central air and gas heat.

Features List

NEW KITCHEN	NEW BATHROOMS	KITCHEN GRANITE
FOUR BEDROOMS	2.5 BATHS	FENCED IN YARD
TWO CAR GARAGE	FIREPLACE	FINISHED BASEMENT
GAS HEAT	CENTRAL AIR	CERAMIC TILE BATHS
NEW CARPETS	NEW WINDOWS	NEW SIDING

Equal Housing Opportunity.

Amherst Farms in Mickleton | Gloucester County, NJ | 4+ Bedroom Homes, Large Yards, Perfect Location

Stephen Kappre, Helping You Home (KW Hometown) — Mon, 29 Mar 2010 15:58:33 -0700

Amherst Farms in Mickleton | Gloucester County, NJ | 4+ Bedroom Homes, Large Yards, Perfect Location If you are looking for a great place to live in Gloucester County, with perfect access to 295, Delaware, and Philly, but just far enough away from it all, check out Amherst Farms in Mickleton, NJ (Gloucester County). Located in a more private setting with large yards, these 4+ bedroom homes are only a few years old and have the kind of accents and appointments that higher-end homes require; Molding and trim through-out the entire house, 2-story family rooms, English and walk-out basement options, acre lots, wooded settings, sunrooms, 2-3 car garages and more. There is a huge common area complete with playsets for younger kids, a large walking path, a backstop and over-sized baseball field, and a huge wooden bridge over a beautiful stream area complete with the wildlife you would expect to find in a more rural setting. All pictures on this page were taken at some area of Amherst Farms. The majority of the wildlife pictures were taken in front or back yards, except for the turtle (who was just outside the development trying to "cross the street"!) All pictures taken by Steve Kappre Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com

Home For Sale By Owner in Mickleton, NJ - Amherst Farms (East Greenwich)

Stephen Kappre, Helping You Home (KW Hometown) — Sun, 28 Mar 2010 14:01:32 -0700

Home For Sale By Owner in Mickleton, NJ - Amherst Farms (East Greenwich) Looking for a property that screams location, location, location? Here is an opportunity to own a 4-bedroom home in Mickleton New Jersey. Just 3 years old and ready to move in!

200 Hopkins Road
Mickleton, NJ 08056
For Sale By Owner in Amherst Farms, Mickleton, NJ

Home

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Contact Me

Steve

Daytime:	856-419-3561
Evening:	856-419-3561
eMail:	Contact

Price	:	$599,000
Bedrooms	:	4
Bathrooms	:	3.5
Square Foot	:	4,200
Lot Size	:	32,670
Community	:	Amherst Farms
County	:	Gloucester
Property Type	:	FSBO
Year Built	:	2007

click for more information and pictures

Property Description

Features List

4 Bedrooms	3.5 bath	Full Basement
Florida Room	Sunroom	Gourmet Kitchen
Princess Suite	Jack-n-Jill Bath	Master Suite
2-Story Family Room	Fireplace	2-Story Foyer
Hardwood Floors	3 Zone Heat/AC	1st Floor Office
Crown Molding t/o	Wainscotting	Walk-out Basement
Family Room	Living Room	Formal Dining Room

Equal Housing Opportunity.

Spruce Up Your Gloucester County NJ Home's Landscape

Stephen Kappre, Helping You Home (KW Hometown) — Sat, 27 Mar 2010 16:30:46 -0700

Michael's Florist and Greenhouse of West Deptford Can Help You Spruce Up Your Gloucester County Home and Landscape! Whether you are buying a new home or sprucing up your current home, having a great landscape is an important part of home ownership, and it s certainly important when buying or selling a home. A front yard that "pops" when a buyer first drives up can be a huge benefit. I've trusted Michael William's Florist and Greenhouse for the last 2 years and plan to do a sizable overhaul of my own landscape. That is one of the reasons I dropped by his place located in West Deptford, NJ. The pots at right are a client's own that Mike has help set-up with just the right size and type. One of the most welcoming aspects of purchasing plants at Michael's is that he always gives some easy to remember advise on how to care for the plants. Many of us do not have a green thumb, and so a little advise goes a far way. Well the season is just beginning and as you can see by the pictures here (all taken at Michael's), little stems and buds are starting to pop all over the place. There are plants for decoration, others for eating (you simply CAN NOT beat a Jersey Tomato!), and even others for helping control pests. Michael's is currently preparing for their opening on April 1st, so that they can help you prepare for all of your plant, garden, and landscaping needs! Driving Directions From 295 South: take exit 20. Make a right onto Mid Atlantic Parkway. Make a left at Crown Point (Route 44) and then an immediate left on Fowler Road. Nursery is at the end of the road. From 295 North: Take exit 20. Make a left at the light onto Mid Atlantic Parkway. Head straight to the light on Crown Point Road (Route 44). Make a left, and then an immediate left onto Fowler Road. Nursery is at the end of the road. Call Mike @ 856-848-3945 E-mail Mike @ mikewh328@verizon.net - - - - - - - - Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com

Do Not Accept Offers from Buyers Pre-Approved for USDA Financing

Stephen Kappre, Helping You Home (KW Hometown) — Tue, 23 Mar 2010 14:54:11 -0700

Should Realtors Advise Their Clients to Not Accept Offers from Buyers Pre-Approved for USDA Financing? If you don't know by now, USDA plans to be out of funds by the end of April of this year. So the question begs to be asked; Should listing agents advise their sellers go under contract with buyers purchasing using a USDA mortgage? Without doubt there is a portion of buyers that can only finance a home using 100% USDA financing. Even the 3.5% FHA required down-payment is too much for some buyers. So should buyers be required to also be approved for alternate financing? Some lenders refuse to even write these loans out of fear. Or maybe ignorance. With the first time buyer tax credit coming to an end soon, and most likely the number of home buyers thinning to some degree, all bases should be covered. At the very least a lender, buyer, and Realtor should all be on the same page and have their buyer's facts disclosed. If a buyer can only utilize USDA financing, then everyone needs to notified of how fast things must move, and the potential negative consequences. USDA financing is a fanastic program. Denying a home buyer and seller to go to contract out of fear can be just as bad as going into a contract blindly. Lay out the facts; No surprises for buyer or seller. Keep the lines of communication constantly open. The reality is that you may have only one buyer to ever go under contract for a particular home. Can you risk saying "no"? Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com

Will I Get a Better Interest Rate with a Higher Credit Score?

Stephen Kappre, Helping You Home (KW Hometown) — Mon, 15 Mar 2010 12:34:39 -0700

Will I Get a Better Interest Rate with a Higher Credit Score? by Steve Kappre, NJ Loan Officer The simple answer: Maybe, but there are many variables. As a rule of thumb, the higher the credit score the better the rate you will receive (or the less fees you will pay). This is most relevant when talking about conventional loan programs. For the best rates and options you want a credit score of 740 of more. What can make my rate higher? Credit scores below 740 A property's status: Second home or investment property loans Type of property: Condo vs. single family vs. mobile home vs. multi-unit Loan amount: Conforming loan vs. jumbo vs. super jumbo And the list can go on and on. Each variable can add to the interest rate and/or the cost of the loan. Some combinations can get very expensive as well as very limiting on your financing options. FHA and VA loans are different than conventional. Many lenders will be able to offer the same rate for an FHA or VA loan if you have a 620 or better credit score. Some lenders will require a 660 or better credit score to get a better rate (or less fees). What you may find from lender to lender is that the rates offered or the options allowed may fluctuate for the exact same program and financing scenario. On top of the guidelines that Fannie Mae, Freddie Mac, FHA, or VA set, lenders may place their own restrictions, commonly known as lender overlays. Lenders can go as far as to not allow certain loan options even though FHA, Fannie Mae, or Freddie Mac may allow the option themselves. Keep doing you research. If you find yourself getting different answers to the same questions, you are probably talking to either loan officers that do not know what they are talking about, or one or more lenders you are talking to are telling you their guidelines based off of their particular lender overlays. So the final answer is ... Higher credit always helps - but isn't always required to get the best rates. Many lenders can offer the same rates for certain loans whether your credit score is 620, 720, or 820. Steve Kappre is a mortgage loan officer in New Jersey. For more info or questions feel free to contact Steve. NJ First Time Home Buyer Purchase, refinance, rehab loans Conventional, FHA, USDA, VA, HMFA, First Time Home Buyer, Police and Fire, Live Where You Work, and more Call direct @ 856-419-3561 | Subscribe to Steve's blog via e-mail | NJ Loan Officer .com