M Camila Paez Realtor NJ At Century 21 Realty Group

Happy and blessed New Year to everyone!!!

It’s time for an emoji quiz! Which emoji are you when it comes to your current real estate situation? Drop your emoji in the comments, and let’s see where everyone is at!

Important information for homeowners and Renters in New Jersey:

This program provides a grant to New Jersey residents who owned or rented their principal residence (main home) on October 1, 2019, and met the income limits. ANCHOR replaces the Homestead Benefit program.The deadline for filing your ANCHOR benefit application is January 31, 2023.
Start the application: https://www.state.nj.us/treasury/taxation/anchor/general-faq.shtmlhttps://www.state.nj.us/treasury/taxation/anchor/general-faq.shtml

Let’s get the home or investment no just that you need , let’s get the home that you really want !

Vamos a buscar juntos no solo lo que necesitas si no lo que siempre has querido !

6 preguntas para el prestamista:

1. Cuál es el mejor tipo de crédito hipotecario y por que ?
2. Califico para algún programa de crédito especial ó descuento ?
3. Qué tasa de interés me puede ofrecer ?
4.Cuando pueden dejar mi tasa bloqueada o fija?
5. Que costos debo pagarle ?
6. Cuanto serán mis gastos de cierre ?

M Camila Paez Realtor NJ At Century 21 Realty Group now takes appointments on their Page.

Pre-approval is the first step in the home-buying process. These are just 3 of many factors that affect what you may be approved for. Lenders take into account your current income, the history of your employment, and any other debt you have. If you have further questions, please reach out at any time.

Qué Es Una Tasación Inmobiliaria En New Jersey?
Una tasación es una opinión imparcial y profesional del valor de la propiedad.

Antes de que un prestamista proporcione una hipoteca, este requerirá una tasación de la vivienda.
Una vez que se realice, el banco determina el monto del préstamo para asegurarse de que la hipoteca no supera el valor de la vivienda.
Una tasación debe ser inferior o igual al precio de compra de la vivienda. Generalmente, los bancos no otorgarán más dinero del que vale la casa y solo aprobarán un préstamo para una vivienda que esté evaluada por el precio total de venta o más.

De este modo, la casa servirá como garantía en caso de que el propietario no pueda pagar la hipoteca. De ser este el caso, el banco puede realizar una ejecución hipotecaria.

What Exactly Is A Home Appraisal In New Jersey?
An appraisal is an unbiased, professional opinion of property value.

Before a lender provides a mortgage, they will require an appraisal of the home.
Once it is made, the bank determines the amount of the loan to ensure that the mortgage does not exceed the value of the home.
An appraisal must be less than or equal to the purchase price of the house. Banks generally will not give more money than the home is worth and will only approve a loan for a home that is appraised for full sales price or more.

In this way, the house will serve as collateral in case the owner cannot pay the mortgage. If this is the case, the bank can perform a foreclosure.

I want share with everybody a new beginning , today I start the journey in the real estate business: A new career where I hope with all my heart enriche many lives , make many dreams reality and of course be helpful in many ways to this lovely country where God and the universe brought me.
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M Camila Paez Realtor NJ At Century 21 Realty Group updated their phone number.

M Camila Paez Realtor NJ At Century 21 Realty Group updated their business hours.