If you need assistance, please call 609-602-7140

Jack W. Zaborowski | Jack and Jill Team Blog

Monday, September 26, 2022   /   by Jack W. Zaborowski

HOW TO GET YOUR HOME LOAN APPROVED WITH EASE

How To Get Your Home Loan Approved With Ease


Following these simple tips and good practices can help mortgage providers be confident in giving you the home loan!


June 10, 2021 by Ultra Mortgage


Photo Provided by Pexels

A loan is a borrowed amount of funds within a repayment agreement. This means paying back the amount based on the interest rate, the total amount of the loan, and the duration determined by your lender or financial provider. Most people will consider applying for a loan to pay for assets, education, business capital, or instances where one’s demand for money is of utmost importance.
Certain factors may affect one’s loan application, such as credit, debt-to-income ratio, work history, and assets. It is crucial to keep your financial standing in check so that nothing affects the decision made once you’ve submitted initial loan application documents.
Some things to avoid when applying for a home loan:


Transferring or quitting you> ...

Read More


  mortgages; mortgage application

Monday, September 26, 2022   /   by Jack W. Zaborowski

WHAT YOU NEED TO KNOW ABOUT CREDIT SCORES

August 12, 2021 by Ultra Mortgage 
Credit scores are considered a fundamental measure to determine an individual’s capability to handle financial obligations. It has an impact on transactions such as mortgages, credit cards, auto loans, and more. In fact, for lenders, it’s a qualifying factor to gauge one’s creditworthiness. Some of the investigated elements are your total debt, the number, and types of accounts, and the number of late payments for any existing credit.
Understanding what influences your credit score can help you maximize your score before applying for a loan and getting the best rate for your mortgage. Let’s look at what you need to know:
What is a good credit score?
According to Equifax, “although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good, and 800 and up are considered excel ...

Read More

Monday, September 26, 2022   /   by Jack W. Zaborowski

6 HOME BUYING MYTHS DEBUNKED

6 HOME BUYING MYTHS DEBUNKED


September 10, 2021 by Ultra Mortgage 
If you’re in the process of purchasing your first home, chances are you feel a little unsure about how to go about it. You’ll probably seek the advice of family, friends, colleagues, or even experts… but guess what, they may not all be accurate. Falling for these might even lead to disappointment and discourage you from buying that property.
No one handbook tells you how to go about [probably] the biggest purchase of your life. Many resources will tell you one thing or another, but we’re here to set the record straight around misleading myths relevant to home buying.
Myth #1: “I have to put a 20% down.”
According to this resource, a median listing price in America is around $385,000—20% of it can be daunting for many people. What you need to know is that this percentage serves more as a guideline rather than a fact. On average, down payments on ho ...

Read More


  mortgages; mortgage application

Sunday, January 20, 2019   /   by Jack W. Zaborowski

2019 Trending Paint Colors

2019TrendingColors

 

Hmmm...it truly doesn't seem possible that 2019 is around the corner and that we are discussing "Trending Colors for 2019." Been hearing comments about boredom with the grays, yet they look so nice and clean every time I see them. Remember, can brighten them up with an accent wall or some bright colorful accessories around the room. 

 

So, after doing some research I have put links from a variety of resources and what they conclude to be this coming year's trending colors. I'm putting my foot down as a realtor, saying DON'T go with some of them. I think as you look through them, you will know exactly what I mean. 

 

In the end, if you are not planning on selling you home any time, go crazy and paint those rooms the colors you dream of having, its YOUR home. Just remember when going to sell it, it helps to put some fresh neutral and earth towns back on the walls to entice the majority of people viewing your home. 

&l ...

Read More

Sunday, January 20, 2019   /   by Jack W. Zaborowski

Choosing The Beach / Shore City For You

Narrowing Down Your Search For A Home At The #JerseyShore
Once you decide you are ready buy your home in South Jersey along the Jersey Shore coastline there are some key things to decide. Most importantly you need to choose which city you want to own or live. Jack has a preference to Ocean City, where Jill has a preference to Margate. Each person finds there connection to a shore city where they want to plant their toes in the sand.
Ocean City is more a family city with the beach, boardwalk, and amusements. Margate has the beach, fine dining, shopping, and a night-life scene. The Wildwoods have large beaches, boardwalk, amusements, night-life, and more of a party feel for many. Stone Harbor has beaches, restaurants, shopping, and portrays itself as an elite community among many. As I said, each city gets branded by many, and each person grows an attachment to the place they fall in love with for whatever reason. If you are not sure where you want to be, we will be happy to discuss yo; ...

Read More

JACK AND JILL TEAM
Jack And Jill Zaborowski
28 Valley Road #1
Montclair, NJ 07042
609-602-7140
Jack and Jill at the Shore

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity program of the South Jersey Shore Regional MLS. Real estate listings held by brokerage are marked with the Broker Reciprocity logo or the Broker Reciprocity thumbnail logo (a little black house) and detailed information about them includes the name of the listing brokers.
This site powered by CINC: www.cincpro.com