What Property Is Included in the Sale of a Home? James H. Graff 732.500.6883 When selling your home, what items are legally included or excluded from the sale?      https://JGraff.AdvisorsMortgage.com  (My audiobooks are coming soon to Audible.com...Please stay tuned! eBooks available now-please,see below...)    In the simplest terms, home fixtures are included. If it's nailed down it comes with the house. A fixture refers to anything permanently attached or fixed to the property.Items not permanently attached are considered personal property. Personal property is excluded from the sale because it can easily be removed without damaging the property.Items considered fixtures would be things like chandeliers, ceiling fans, built-in bookcases, and built-in appliances. Window treatments such as blinds and attached curtains or drapes also generally stay with the home. Water softeners and security systems are also included but if they are being rented this should be disclosed by the seller.If you want to exclude any fixtures, it's best to remove or replace them prior to putting your home on the market. If you don't specifically include them in the contract, they'll be automatically included in the sale.https://958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com  PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators***MY FREE (Downloadable, pdf) books:"A Step-by-Step Guide to Financing Homes" (call me for a printed copy: 732.500.6883)"Best Selling Options in a Divorce": https://james-graff.book.live/divorce-book"My Secret Wealth of Information for Any Seller": https://james-graff.book.live/biz-card-book"Home Buyers Guide - Everything You Need to Know About Buying a Home": https://james-graff.book.live/buyer-bookFREE current copy of my periodical eMag:     "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1   And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!     "I wrote the book on home loans...;o)" - James H. GraffFREE  "beta/test" copy of my new 70+ page, pdf Ebook      "HOME LOANS:          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4HOME LOANS James Graff   NMLS# 1974758 Advisors Mortgage Group, L.L.C.   NMLS# 33041 39 Main Street, Holmdel, N.J. 07733 In 30+ states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WVCash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac...#fixtures #homefixtures #sellingyourhome #1sttimehomebuying #1sttimehomebuyer #property #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator

Do You Know Your Mortgage Rate? By Decade? - James H. Graff 732.500.6883 One third of Americans don't. If you fall into that group you might not know what you are missing out on. Home mortgage rates by decade: 70s-8.86% 80s-12.70% 90s-8.12% 00s-6.29% 10s-4.09% Today's rates provide a unique opportunity to get more bang for your buck when you move. Low rates allow you to purchase more home for your money which can keep your monthly payment lower.  These rates won't last forever. Let's connect to explore your options together. https://JGraff.AdvisorsMortgage.com https://958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com  PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE (Downloadable, pdf) books: "A Step-by-Step Guide to Financing Homes" (call me for a printed copy: 732.500.6883) "Best Selling Options in a Divorce": https://james-graff.book.live/divorce-book "My Secret Wealth of Information for Any Seller": https://james-graff.book.live/biz-card-book "Home Buyers Guide - Everything You Need to Know About Buying a Home": https://james-graff.book.live/buyer-bookFREE current copy of my periodical eMag:     "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1     And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!     "I wrote the book on home loans...;o)" - James H. Graff FREE  "beta/test" copy of my new 70+ page, pdf Ebook     "HOME LOANS:          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff   NMLS# 1974758 Advisors Mortgage Group, L.L.C.   NMLS# 33041 2899 Highway 35 North  Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgagerates #mortgageratesbydecade #interestrates #historicrates #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator

Understanding the Latest Data on Home Appreciation Home values have been rapidly appreciating. And while appreciation is expected to continue, recent data suggests that the pace of appreciation may begin to slow. This is actually healthy for the markets, although you can count on the media to turn this into fear mongering.Let's remember that positive appreciation means home values will continue to rise. A slower rate of appreciation does not mean that home prices will drop. It simply means that they will rise at a more modest pace. This can be a good thing for affordability and a very good thing for homeowners who should continue to see equity growing in their home.If you’re thinking of purchasing a home, don’t let the media scare you out of a wonderful opportunity to build wealth through real estate. Reach out to me today and let’s get started. James H. Graff 732.500.6883 https://JGraff.AdvisorsMortgage.com Facebook.com/nmls#1974758 #housingmarket #priceappreciation #homeprices #equity #affordability #media #fearmongering #buildwealth #realestate #realtor #opportunity #data #markets 

Under the Bridge cover Red Hot Chili Peppers tribute James Graff live acoustic 12 string Supersports

What is an Assumable Mortgage? James H. Graff 732.500.6883 https://JGraff.AdvisorsMortgage.com https://958.prequalifyme.today for no SS#/hassle/obligation help ****FREE (Downloadable, pdf) books by James H. Graff: "Home Buyers Guide - Everything You Need to Know About Buying a Home": https://james-graff.book.live/buyer-book "My Secret Wealth of Information for Any Seller": https://james-graff.book.live/biz-card-book "A Step-by-Step Guide to Financing Homes" (call me for a signed printed copy: 732.500.6883) "Best Selling Options in a Divorce": https://james-graff.book.live/divorce-book FREE current copy of my periodical eMag:     "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1     And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!     "I wrote the book on home loans...;o)" - James H. Graff FREE  "beta/test" copy of my new 70+ page, pdf Ebook     "HOME LOANS:          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff   NMLS# 1974758 Advisors Mortgage Group, L.L.C.   NMLS# 33041 2899 Highway 35 North  Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #assumablemortgage #assumable #assumption #sellertakeback #sellercarryback #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator

5 Tips for Making Your Best Offer-PART 2/4: 3. Real Estate Professional 4. Craft Fair, Strong Offer PART 2 of 4: "3. A Real Estate Professional Can Lead You to Victory 4. Craft a Fair and Strong Offer - Explain DU/LP findings! Get rid of your sales contingency: RECAST your loan AFTER you buy - put cash on hand down and then AFTER BOTH sales recast to put more down and lower your mortgage payment. https://JGraff.AdvisorsMortgage.com    732.500.6883     No matter what the housing market looks like, rely on a trusted real estate advisor. As Freddie Mac says: “The success of your homebuying journey largely depends on the company you keep. . . . be sure to select experienced, trusted professionals who will help you make informed decisions and avoid any pitfalls.” Agents are experts in the local real estate market. They have insight into what’s worked for other buyers in your area and what sellers may be looking for in an offer. It may seem simple, but catering to what a seller may need can help your offer stand out. 4. Craft a Strong, Fair Offer In the past, offering at or near the asking price was enough to make your offer appealing to sellers. In today’s market, that’s often not the case. According to the latest Realtors Confidence Index from NAR, 50% of offers are above the list price. In such a competitive market, emotions and prices can run high. Having an agent to help craft a strong, fair offer is critical in these situations. Your agent can help you understand: The market value of the home Recent sales trends in the area Current buyer demand" Explain DU/LP findings Recast your loan AFTER you buy - reducing your mortgage payments but may get rid of the sales contingency regarding the sale of your current home. https://958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com  PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE (Downloadable, pdf) books: "A Step-by-Step Guide to Financing Homes" (call me for a printed copy: 732.500.6883) "Best Selling Options in a Divorce": https://james-graff.book.live/divorce-book "My Secret Wealth of Information for Any Seller": https://james-graff.book.live/biz-card-book "Home Buyers Guide - Everything You Need to Know About Buying a Home": https://james-graff.book.live/buyer-bookFREE current copy of my periodical eMag:     "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1     And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!     "I wrote the book on home loans...;o)" - James H. Graff FREE  "beta/test" copy of my new 70+ page, pdf Ebook     "HOME LOANS:          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff   NMLS# 1974758 Advisors Mortgage Group, L.L.C.   NMLS# 33041 2899 Highway 35 North  Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator

5 Tips for Making Your Best Offer - PART 1 of 4: 1. Know Your Budget 2. Be Prepared to Move Fast PART 1 of 4: 1. Know Your Budget 2. Be Prepared to Move Fast -  "In today’s sellers’ market, standing out as a buyer is critical. https://JGraff.AdvisorsMortgage.com    732.500.6883     Multi-offer scenarios and bidding wars are the norm due to the low supply of houses for sale and high buyer demand. If you’re buying this fall, you’ll want every advantage, especially when you’ve found the home of your dreams. Below are five things to keep in mind when it’s time to make an offer. 1. Know Your Budget Knowing your budget and what you can afford is critical to your success as a homebuyer. The best way to understand your numbers is to work with a lender so you can get pre-approved for a loan. As Freddie Mac puts it: “This pre-approval allows you to look for a home with greater confidence and demonstrates to the seller that you are a serious buyer.” Showing sellers you’re serious can give you a competitive edge. It enables you to act quickly when you’ve found your perfect home. 2. Be Prepared To Move Fast Speed and the pace of sales are contributing factors to today’s competitive housing market. According to the latest Existing Home Sales Report from the National Association of Realtors (NAR), the average home is on the market for just 17 days. As the report notes: “Eighty-nine percent of homes sold in July 2021 were on the market for less than a month.” When homes are selling fast, staying on top of the market and moving quickly are key. After you’ve worked with your agent to find the home that suits" //958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com  PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE (Downloadable, pdf) books: "A Step-by-Step Guide to Financing Homes" (call me for a printed copy: 732.500.6883) "Best Selling Options in a Divorce": https://james-graff.book.live/divorce-book "My Secret Wealth of Information for Any Seller": https://james-graff.book.live/biz-card-book "Home Buyers Guide - Everything You Need to Know About Buying a Home": https://james-graff.book.live/buyer-bookFREE current copy of my periodical eMag:     "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1     And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!     "I wrote the book on home loans...;o)" - James H. Graff FREE  "beta/test" copy of my new 70+ page, pdf Ebook     "HOME LOANS:          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff   NMLS# 1974758 Advisors Mortgage Group, L.L.C.   NMLS# 33041 2899 Highway 35 North  Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... First Time Home Buyers, For Buyers, Move-Up Buyers #FirstTimeHomeBuyers #ForBuyers #Move-UpBuyers #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator

Business News: China's Evergrande Default on $300B, Fed Tapering $120B, Cryptocurrency Exchange Sanction, U.S. sues Jet Blue & American Airlines over De Facto Merger Survey: only 29% say now is a good time to buy a home HALF of the number this March...same as when rates were at an all time high of 15%!!    https://JGraff.AdvisorsMortgage.com     732.500.6883

#businessnews #news #economicnews #economy #markets #china #business #cryptocurrency #airlines #tapering #default #evergrande    

Act Now Before the Fed Begins Tapering There’s a lot of talk about the Federal Reserve cutting back their buying of mortgage bonds, which is known as tapering.    https://JGraff.AdvisorsMortgage.com    732.500.6883     The purchases of mortgage bonds have helped keep interest rates low.  This can be very important to you if you are considering purchasing a home or looking to refinance your current mortgage to save money. Interest rates are still extremely favorable. But this week at their meeting, the Fed said that they will likely begin reducing their purchases of mortgage-backed securities by the end of this year, with an official announcement likely on November 3. Once the Fed starts to pull back on their purchases, there is a risk that interest rates may move up, which makes this a great time to take advantage of low rates.  

Strategies for crafting and making the best possible offer to buy/purchase rea estate Making the best offer Crafting Offers that stand out https://JGraff.AdvisorsMortgage.com    732.500.6883 SIMPLIFY and make listing agents work easier and more straight forward and clear. Get the app through DU and CLEAR all the conditions – and then show that! Strategies: 1 - Call The Listing Agent Before Submitting Your Offer (leave a message and send a video message…follow up) What’s important to the seller?? 2 - Always include an offer checklist (please see below) 3 - Deliver Your Offer To The Listing Agent In Person 4 – AND/OR Present Your Offer With Video - Effectively articulating highlights (may be MORE effective than in person) 5 - Larger EMD Earnest Money Deposit (Shows seriousness/financial ability) 6 – Buyer’s Personalized Letter To The Seller ??? Explain in great detail WHY the buyer loves the home – Stay away from ethnicity, kids, etc. STICK to property! Edify the property – a classic! Always, always edify the property! 7 - Offer Free Occupancy (A week or two or a few – no rent – lowers anxiety!...) 8 - Write An Escalation Clause into your offer (state your buyer will pay x amount of dollars above the highest offer! OTHERS may offer this too…???) 9 - Bring Your Inspector To The Showing (Works well…1hr to 1.5hr…average home inspection is about 2hrs…can do enough to put buyer at ease to WAIVE THE INSPECTION CONTINGENCY – WIN/WIN More appealing offer AND buyer is more comfortable!) CAREFUL/CAUTION!! 10 - Have your lender call listing agent to present the buyers approval (Can’t show details: credit scores, income, etc. Can share aspects of approval…W2ed or self employed?? VERIFY down payment, type of loan, ID potential “hiccups” UP front…Lender needs to be proactive! To give listing agent confidence! ALWAYS BETTER ON VIDEO, right? ZOOM and an email 11 - Have Your lender submit for a PIW - GUARANTEES top of list -PROPERTY INSPECTION WAIVER – We are getting high percentage on current purchases through our companies UW (underwriting) system Offer checklist: Offer items: (then list each in detail!) Personal Property Price Type of Financing EMD Amount Closing Date Possession Home Warranty Time Limit Property Inspection Other Terms & Conditions FSBO are selling themselves, inventory at an all time low VA FHA fallacies, myths, misconceptions... Some lender’s won’t share DU/LP…!!! Shorten your contingencies Investigation contingencies Get basic inspections done in 5-10 days And receive and review seller disclosures The sooner you remove the better Same for appraisal and loan contingencies Pick the best lender!! Quicker the better: appraisal ordered in one day! Loan approval 10 days or 21 days?? “Buyer agrees to pay up to $20,000 over the APPRAISED value – not to exceed the purchase price if the appraisal comes in low” make this crystal clear – in person AND in video (ZOOM emailed and corroborated with call and text) Minimum property requirements VA FHA few hundred bucks (missing CO2s) clause: Appraisal clause: “Buyer shall pay up to $x,xxx appraisal required repairs if necessary” 90% not going to have any EXCALATION CLAUSE (now in use/common!): “Buyer hereby agrees to pay $x,xxx above highest offer received by seller UP TO $xxx,xxx . Seller shall provide proof of this offer” "Lunch and Learn "Offers that Standout" by Advisors in Holmdel Hi, I am having a lunch and learn  at our new Holmdel office. 39 Main Street Holmdel The topic will be .How to make your clients stand out in a multi offer situation. We will be discussing: 1- Du/LP findings. How to read them, How to use them, how to explain to the other agent how important this is. 2- Pre approval vs pre qual. Many differences 3- Inspection waivers pros/cons 4- Waiving appraisals 5- Large down payments vs small down payment or cash 6- Removing sale contingencys 7- Why FHA is looked down on vs a conventional? 8- Open questions and answers. Lunch will be served. Looking forward to seeing you and hearing all of your ideas..."

Is Housing Slowing? Are you thinking about purchasing a home, but media headlines have you wondering if we’re headed for the next housing bubble?      https://JGraff.AdvisorsMortgage.com 732.500.6883     The media often looks at the reports to create the most eye-catching headlines, even if they don’t tell the real story. For example, the Mortgage Bankers Association released their mortgage application data showing that mortgage applications to purchase a home fell 5% last week. They assume the reason for this is a slowing housing market.  Meanwhile, homes have appreciated by 14% over the last year due to more demand than available supply.  This underscores the strength in the housing market.   The likely reasons for the drop in mortgage applications are because inventory is very low and because there is a significant increase in cash buyers.  These cash buyers are not reflected in the mortgage application data because they do not need a mortgage. It appears that the housing market is still on solid footing, but each individual situation is different.  I have tools and resources that can help you make more informed decisions. Contact me today to get started… James H. Graff 732.500.6883 https://JGraff.AdvisorsMortgage.com

To Buy or Rent?  Deciding between buying or renting your next home? https://JGraff.AdvisorsMortgage.com 732.500.6883 It’s true that home values have gone up quite a bit, but so have rents. In fact, the largest landlord in the US, Invitation homes, said that rents have gone up 14% since last year.  And that’s not all – they forecast that rents will continue to go up about 6% annually. So, while it’s true that initially purchasing a home will be more expensive, your mortgage payment will remain relatively stable into the future.  Whereas your rental payments will likely rise significantly in the years to come. There are other amazing benefits that come with buying a home, including pride of ownership, more freedom in renovating and design, and of course building equity.  And because of increasing demand and tight supply, it looks as if home values will be well supported, and many are forecasting home prices to move higher. I can give you a complete analysis with statistics for your specific zip code so you can make accurate comparisons and see which choice is best for you. Give me a call today to learn more. James H. Graff 732.500.6883 https://958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com  PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE current copy of my periodical eMag:     "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1     And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!     "I wrote the book on home loans...;o)" - James H. Graff FREE  "beta/test" copy of my new 70+ page, pdf Ebook     "HOME LOANS:          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff   NMLS# 1974758 Advisors Mortgage Group, L.L.C.   NMLS# 33041 2899 Highway 35 North  Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator

How to Get a Mortgage - A Step-by-Step Guide for Home Loans Step 1: Shop for a mortgage. https://JGraff.AdvisorsMortgage.com 732.500.6883      The reason: All lenders are a little bit different, so it pays to compare the loans they're offering in terms of interest rates. Step 2: Get mortgage pre-approval. Getting pre-approved is critical if you want your home-buying effort to succeed. A pre-approval letter from a lender shows home sellers that you have the financial backing necessary to buy their home. Step 3: Get a home appraisal. This means a home appraiser will assess the market value of the house using comparable homes. Step 4: Clear the property title and close the deal. That's where the buyer, seller, lender and all others involved meet to sign all of the paperwork, transfer all money owed, and pass along the keys! https://958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com  PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculators FREE current copy of my periodical eMag:     "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1     And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!     "I wrote the book on home loans...;o)" - James H. Graff FREE  "beta/test" copy of my new 70+ page, pdf Ebook     "HOME LOANS:          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4 HOME LOANS James Graff   NMLS# 1974758 Advisors Mortgage Group, L.L.C.   NMLS# 33041 2899 Highway 35 North  Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WV Cash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac... #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator

Paying Extra on an Adjustable Rate Loan? Are you considering paying extra on an adjustable rate loan? Check these tips first: When paying extra on an adjustable rate loan, it reduces the monthly payment. The new payment is calculated using the lower loan balance along with current market rates. In contrast, with a fixed rate loan, the payment remain the same throughout the life of the loan. Keep in mind it’s very important to know whether or not adjustable or fixed is better for you.

Time is Money - When It Comes to Your Home

Are You Ready for a Bidding War? Red Hot Housing Market

More Housing Bubble Fears in the Media HOME LOANS James Graff 732-500-6883 Home prices have risen 41% since 2006. This has prompted another round of media fearmongering that a housing bubble is imminent. As you know, the media has been talking about a housing bubble for the past several years, only to see home prices continue to be well supported.Comparing today’s housing market to the market in 2006 requires us to understand some key differences to help us see the full picture. Let’s break that down.The majority of individuals who buy homes do so based upon monthly payment. Therefore, we must consider differences in mortgage interest rates, as well as differences in household income between the market in 2006 and today.Mortgage rates in 2006 ran about 3% higher than interest rates that are available today. This helps make the monthly payment today much lower, even in some cases where the amount borrowed is higher.Meanwhile, average hourly earnings have increased by 55% from 2006 to today, according to the Bureau of Labor Statistics. Because of the rise in income, as well as the drop in interest rates, the cost to purchase a home today appears to be significantly more affordable than it was in 2006.Additionally, today’s appreciation is due to record low home inventory levels and strong demographic demand, which wasn’t the case in 2006.Don’t let the media scare you out of all the wonderful benefits of homeownership. Contact me today.James Graff 732.500.6883 https://JGraff.AdvisorsMortgage.comhttps://958.prequalifyme.today for no SS#/hassle/obligation help FREE Real Estate tips: http://RealEstateWithAdvisorsJG.com FREE Guides: Home Buying-https://bit.ly/33UTW2K Home Selling-https://bit.ly/3mTvLuv FREE “INSTANT” HOME VALUE: http://HomeValuesWithAdvisorsJG.com  PREQUALIFY for loan: https://bit.ly/2GuyvgQ APPLY for loan: https://bit.ly/2HH6cwi 732-500-6883 https://JGraff.AdvisorsMortgage.com/contact https://facebook.com/nmls1974758 FREE MORTGAGE CALCULATORS: https://JGraff.AdvisorsMortgage.com/calculatorsFREE (downloadable, pdf) books:"A Step-by-Step Guide to Financing Homes" (call me for a printed copy: 732.500.6883)"Best Selling Options in a Divorce": https://james-graff.book.live/divorce-book"My Secret Wealth of Information for Any Seller": https://james-graff.book.live/biz-card-book"Home Buyers Guide - Everything You Need to Know About Buying a Home": https://james-graff.book.live/buyer-bookFREE current copy of my periodical eMag:     "HOME LOANS NEWS": https://1drv.ms/u/s!Al3KFhVmz0hu8zVpDugzDgdYmOiv?e=RMwEP1   And FREE subscription for anyone interested in receiving it via email - just instant message me your email address - no hassle/obligation - cancel anytime - absolutely FREE!     "I wrote the book on home loans...;o)" - James H. GraffFREE  "beta/test" copy of my new 70+ page, pdf Ebook      "HOME LOANS:          LINKS to lots of FREE guides, tips, info, advice on virtually ALL current aspects of buying,           selling and financing a home" FREE copy: https://1drv.ms/u/s!Al3KFhVmz0hu8zh4BHmqfOrEdO9U?e=2kbvT4HOME LOANS James Graff   NMLS# 1974758 Advisors Mortgage Group, L.L.C.   NMLS# 33041 2899 Highway 35 North  Hazlet N.J. 07730 In 34 states of The United States of America: AZ CA CO CN DE D.C. FL KS KY IL IN ME MD MA MI MN NJ NY NC OH OR PA RI SC SD TX VT VA WA WVCash out refinance, debt consolidation, renovation loan, reverse mortgage, pre-qualify, pre-approval letter, FHA VA USDA HELOC HECM FNMA Fannie Mae FHLMC Freddie Mac...#housingbubble #bubble #media #fearmongering #mortgages #mortgage #marketupdate #refinance #homebuying #realestate #homeownership #advisors #marketupdates #homeloan #homeloans #debtconsolidate #realtor  #realestateagent #agent #mortgagecalculator