Financing Information & Tools
I have compiled a comprehensive financial resource for your convenience. These sites will help you make informed decisions. Please contact me for a preferred list of lenders. I never accept gifts or referral fees from the people I refer. The only reason I refer them is because they have done a great job for my clients in the past and they have competitive terms. Keep in mind that only sellers need to be concerned with the Real Estate Transfer Tax.
Simple & Quick Calculator: Fill in the blanks and determine the income needed to purchase the home you've chosen.
Century 21 Finance Tools: Spectacular information that is easy to use! Affordability calculator, monthly mortgage calculator, amortization calculator, refinance calculator, and free credit report.
Real Estate Transfer Tax Calculator: Sellers calculate what the transfer tax will be prior to the closing. The state levies an additional tax at the closing of your current home. Don't be surprised at closing.
Current Interest Rates: I suggest using caution when giving out your social security number. Contact me for a list of reputable individuals with proven track records. I use this site as a benchmark of interest rates.
Fannie Mae Mortgage Calculator: Find out how much you can afford, your monthly payment, the payment on a specific price and rate.
NJ Housing & Mortgage Agency: Find out what NJ has to offer in financing opportunities along with financial information on home buying, selling, renting, special needs, seniors and foreclosure guidance.
Utilities
Each home sale is as unique as its seller and buyer. Some things remain constant in all transactions. The need to change over the utilities is one of them. Prior to your move you should switch the utilities over from one house to the next. There are many small steps to a smooth transition. You need more information! Contact me (973-809-0800) for a comprehensive step by step worksheet.
This is a list of the most common numbers needed for moving.
Toni Kaufmann Century-21 Christel Realty 973-809-0800
