bradley beach home: Unable To Keep Your Bradley Beach Home? Here Is What’s Next - 03/14/11 07:23 AM
If after exploring all other alternatives such as federal assistance programs, loan counseling and/or modifications, or a short sale, you are still faced with foreclosure, you need to be familiar with that process and what it means for you. The procedure varies from state to state, and your first step is to be aware of the regulations regarding your Bradley Beach home.
There are three types of foreclosures used by individual states, judicial, power of sale, and strict foreclosure.
1. Judicial is allowed in all states. After the lender files with the judicial system, you will receive a notice for payment. After … (0 comments)

bradley beach home: Is a Reverse Mortgage Right For You and Your Bradley Beach Home? - 01/31/11 11:34 AM
Because of today's economic situation, rapidly rising health care costs, and falling retirement and savings account balances, many seniors are feeling financial stress. Looking for relief from their monetary woes, over 600,000 seniors have taken advantage of the FHA's Home Equity Conversion Mortgage (HECM), better known as a reverse mortgage.
A reverse mortgage is a special type of home loan based on age, equity, interest rates, and the value of your Bradley Beach home, a reverse mortgage allows you to not only forego paying monthly mortgage rates but also to receive money (as long as at least one borrower lives in … (0 comments)

bradley beach home: Sprucing Up Your Bradley Beach Home For Fall - 10/18/10 02:25 PM
Whether your desire for a new look inside your Bradley Beach home is because of the arrival of fall or because you hope to hasten the sale of your house, you may be considering repainting in the near future.
While painting can be a long, and sometimes unrewarding, task, professional painters and expert "do-it-yourself-ers" alike agree on ways to make the process less frustrating and more likely to produce a finished product you'll be proud of. Basically, these tips center around organization, preparation, and patience.
1. GET ORGANIZED
Purchase all necessary supplies in advance. Include paint, brushes, rollers, and drop cloths … (0 comments)

bradley beach home: Tips For Last Minute Showings Of Your Bradley Beach Home - 09/27/10 02:36 PM
For Sunday's open house, your Bradley Beach home was in "show-ready" condition. With curb appeal at its finest, clutter nowhere to be seen, windows and appliances sparkling, and the aroma of freshly baked cookies wafting in the air, you were certain that potential buyers couldn't help but be positively impressed.
However, now it's midweek, and the house has fallen back into its "lived in" state. Clutter abounds, dishes are in the sink, laundry has piled up, and toys have proliferated overnight. What a time for your realtor to call to tell you that she wants to show your Bradley Beach home … (0 comments)

bradley beach home: Basic Steps For Bradley Beach First-time Buyers – PART IV - 03/15/10 02:00 PM
A simplified guide for painless purchasing of your Bradley Beach home.
Be patient. You're getting close to the finish line and will soon be the owner of your first home. Just a few more steps to go...
1. Homeowner's insurance policy
Adequate homeowner's insurance is a requirement of all lenders, and it is certainly in your best interests to protect the investment you'll be making in your Bradley Beach home. To find the policy that is right for you, you should shop around for the best value. Check online for quotes from at least three reputable agencies. Be aware that some … (0 comments)

bradley beach home: Basic Steps for First-time Bradley Beach Home Buyers – PART III - 03/08/10 11:15 AM
A simplified guide for painless purchasing of your Bradley Beach home.
Okay, you've made your lists of: must have" and "would be nice" features, and you've identified desirable neighborhoods with the schools and amenities that meet your needs. Now it's time to seriously shop for your first-time Bradley Beach home.
Before you even step outside to begin the search, your agent will email to you listings which meet your criteria, and you can "visit" many of them online via a virtual tour. Once you have narrowed down your choices, your agent will arrange for you to look at-in person- your selected … (1 comments)

bradley beach home: Basic Steps for First-time Bradley Beach Home Buyers – PART II - 02/08/10 10:12 AM
A simplified guide for painless purchasing of your Bradley Beach home.
Part I of this four-part series dealt with analyzing your financial situation, getting prior loan approval, and determining your real needs/desires in your first Bradley Beach home. All that having been accomplished, you will now want to look for a mortgage and decide which is the most advantageous for you.
As with any major purchase, you will want to shop around for the best deal. Contact several lenders (bank, savings and loan, credit union, private mortgage company, or a state or federal government lender.) Before doing that, however, you need to familiarize yourself … (0 comments)

bradley beach home: Basic Steps for First-time Bradley Beach Home Buyers - 01/25/10 12:36 PM
A simplified guide for painless purchasing of your Bradley Beach home.
PART 1
Congratulations! So you've made the decision to stop renting and purchase a place of your own. The home buying process may initially appear complicated and a bit daunting, but by using the skills of a buyer's real estate agent, searching the internet, and familiarizing yourself with each of the steps involved, your experience can be a smooth and rewarding one.
1. Analyzing your financial situation.
The first thing to do is to learn how much you can afford to pay for your Bradley Beach home. Generally speaking, mortgage costs, or … (1 comments)

bradley beach home: 7 Reasons To Buy Rather Than Rent Bradley Beach Home - 12/21/09 10:34 PM
Many renters are finding that they get more ‘bang for their' buck if they buy a home rather than rent one. With affordable prices, low interest rates and tax incentives, Bradley Beach home ownership makes more sense than ever. 
7 Reasons to Buy Rather Than Rent Bradley Beach Home
1. Buying doesn't always cost more.The Associated Press reports the gap between buying and renting has decreased $550 in the last three years.
2. Affordability is at an all-time high.Nationwide, prices have declined by nearly 20-40%.
3. Tax benefits for home ownership saves money.The biggest tax break is the mortgage interest deduction. Most of your … (0 comments)

bradley beach home: How To Sell Your Bradley Beach Home In Changing Market - 12/14/09 10:59 AM
In today's rapidly changing economy, many Bradley Beach home owners wonder or worry about selling their home for the best price, and terms in the shortest period of time. 
Here are helpful hints if you are considering selling your Bradley Beach home: 
Be realistic, and price your home right by using market comparisons. Know your true bottom line for both price and time. As the market shifts, be prepared to evaluate your price. Advertising your property with yard signs, local MLS and newspapers. Get rid of the clutter! It makes your house appear smaller. Clean your walls, floors, baseboards, stove and refrigerator. Buyers … (0 comments)

bradley beach home: One Simple Change To Your Bradley Beach Home Could Pay For Itself - 11/23/09 07:54 AM
Installing a new insulated garage door is a simple home improvement project that has many benefits. This simple change adds desirable curb appeal and increases the value of your Bradley Beach home. The best part is, it also saves energy and tax credits are given to homeowners who install approved garage doors. 
There is a list of manufactures of approved insulated garage doors that make homeowners eligible for a federal tax credit, which is more valuable than a tax deduction. Homeowners who purchase and install one of the garage doors on their Bradley Beach home in 2009 or 2010 could receive up to … (0 comments)

bradley beach home: Selling Your Bardley Beach Home with Successful Internet Campaign - 11/02/09 10:44 AM
In today's real estate market Bradley Beach home owners trying to sell on their own get discouraged when it comes to getting their Bradley Beach homes sold. What they may not realize is that in the modern market selling a home takes a lot more than just sticking a "for sale" sign in the front yard. Traditional real estate marketing tactics have evolved into a variety of more complex and effective strategies. The internet has become the most popular and successful aid in setting up successful home-selling campaigns. 
According to the National Association of Realtors, almost 90% of home buyers do their house hunting … (1 comments)

bradley beach home: Don’t Let Credit Score Myths Get In The Way When Buying A Bradley Beach Home - 10/12/09 10:59 PM
The most important piece of a person's financial life is their credit score. Whether buying a new Bradley Beach home, applying for a job, refinancing your Bradley Beach home, paying off debt, or getting utility service, your credit score will drive the outcome. One would think that Americans are all aware of what the scores are measuring and what factors play a part. But, most Americans do not know enough about the three digit rating or what is involved. Do not let these credit score myths get in your way when preparing for the purchase of your next Bradley Beach home.
Myth: Checking a … (1 comments)

bradley beach home: Five Mistakes To Avoid When Selling Your Bradley Beach Home - 09/21/09 11:03 AM
Selling your Bradley Beach home should be a smooth profitable transaction. But it could end up being an unsuccessful, draining experience, especially if the appropriate precautions and preparations are not observed. A majority of the time, the chance for success lies within the hands of the hired real estate expert. In order to guarantee optimal results, the sellers must be willing to cooperate and consider the professional advice of their real estate agent. Agonizing over a listing price, making the property presentable, rushing for last minute showings, answering inconvenient calls, and frazzling thoughts of not being able to sell are all stressful components … (0 comments)

bradley beach home: Things To Know About $8000 Tax Credit - 07/06/09 06:50 AM
The "American Recovery and Reinvestment Act of 2009," which was signed into law recently by President Obama provides an $8000 tax credit for first-time  home buyers. Below are important things for Bradley Beach home buyers to know.  
It is a tax credit to home buyers, not a loan as in last year's program. It is only for first time home buyers, defined as someone who has not had an ownership interest in a principle residence in the 3 year period prior to the date of the 2009 purchase. The buyer must remain in the home for a minimum of 3 years. It is applicable … (0 comments)

bradley beach home: Top Reasons To Buy Bradley Beach Home In 2009 - 05/12/09 03:16 AM
One man's loss is another man's gain and right now buyer's have everything to gain. It was only a few short years ago that sellers controlled the market and were calling the shots. In order to buy a home, buyers were paying over the asking price, foregoing home inspections and paying all their own closing costs. Bradley Beach home buyers were jumping through any and all hoops. 
Now the market has shifted. The strong sellers' market is a thing of the past and it is the sellers who are jumping through hoops. Buyers are calling the shots with offers that include home inspections; … (1 comments)

bradley beach home: Getting Ready For Jersey Shore Home Ownership - 05/06/09 05:44 AM
1. Decide what you can afford. Generally, you can afford a home equal in value to between two and three times your gross income.
2. Develop your home wish list. Then, prioritize the features on your list.
3. Select where you want to live. Compile a list of three or four neighborhoods you'd like to live in, taking into account items such as schools, recreational facilities, area expansion plans, and safety.
4. Start saving. Do you have enough money saved to qualify for a mortgage and cover your down payment?  Ideally, you should have 20 percent of the purchase price saved … (1 comments)

bradley beach home: 8 Tips When Buying A Bradley Beach Home - 04/28/09 02:44 AM
If you are buying a Bradley Beach home in the next 6 months, you will want to get your ducks in a row. Below are 8 tips to get you ready for your home search.
1. Research before you look. Decide what features you most want to have in a Bradley Beach home, what neighborhoods you prefer, and how much you'd be willing to spend each month for housing. 
2. Be realistic. It's OK to be picky, but don't be unrealistic with your expectations. There's no such thing as a perfect home. Use your list of priorities as a guide to … (0 comments)

bradley beach home: Bradley Beach Home Seller Tip: Take First Offer Seriously - 04/20/09 06:07 AM
Many Bradley Beach home sellers look at the first offer on their home as just that, the First Offer with many more to come. You know what they say, ‘A bird in the hand is worth two in the bush.' And in the current Buyers Market, offers are few and far between. Bradley Beach home sellers will want to consider the first offer very seriously. Here are reasons why: 
An early offer (if you're lucky!) doesn't necessarily mean buyers are lining up to follow suit. It could just mean that your home meets the needs or preferences of that one particular buyer who made the … (0 comments)

bradley beach home: Bradley Beach Homeowners Save With Energy Tax Credits - 04/06/09 08:56 AM
The ‘American Recovery and Reinvestment Act of 2009‘ which became law on February 17, promotes energy independence and green jobs through tax credits and government grants. This is part of an effort to make Bradley Beach homes and buildings more energy efficient. 
Energy saving provisions include: 
$6 billion to state and local governments for energy efficiency and conservation grants for energy audits, retrofits and financial incentives.  30% tax credit (increased from 10%) to homeowners for new furnaces, windows and insulation.  $5 billion to modernize the nation's electricity grid and install smart meters on homes, saving homeowners money.  $5 billion for weatherization assistance for … (0 comments)