EXCEPTIONAL STONE HARBOR and AVALON HOMES, CONDOMINIUMS and BEACHFRONT PROPERTIES FOR SALE

buystoneharbor_stone harbor real estate for sale_stone harbor homes and condos for sale_stone harbor realtor_island realty group_stone harbor vacation and beach informationbuystoneharbor_stone harbor real estate for sale_stone harbor homes and condos for sale_stone harbor realtor_island realty group_stone harbor vacation and beach informationbuystoneharbor_stone harbor real estate for sale_stone harbor homes and condos for sale_stone harbor realtor_island realty group_stone harbor vacation and beach informationbuystoneharbor_stone harbor real estate for sale_stone harbor homes and condos for sale_stone harbor realtor_island realty group_stone harbor vacation,  beach and golf information

 

Home Mortgage Loans
• Home • Up • Our Listings • REO • Home Search • OUR SALES HISTORY • Real Estate Info • Buying a New Home • Successful Real Estate Investing • Mortgages • 1031 Exchange • CMA • Rentals • Add Rental • Consumer Information Statement • Agency Information • Real Estate News • About Us • CONTACT US • Avalon • Sea Isle City • Ocean City NJ • FAQs • Stone Harbor • Activities •

 

HOME

STONE HARBOR

AVALON

OUR LISTINGS

HOME SEARCH

BUYING A NEW HOME

INVEST FOR SUCCESS

1031 EXCHANGES

REO & SHORT SALES

YOUR HOME'S VALUE

OUR RELATIONSHIP

CONSUMER INFO

REAL ESTATE INFO

REAL ESTATE NEWS

VACATION RENTALS

ADD YOUR RENTAL

ABOUT US

CONTACT US

FAQ's
 

 

stone harbor avalon real estate, stone harbor avalon realtors, stone harbor avalon condos for sale, stone harbor avalon beach information, stone harbor avalon condos for sale, stone harbor avalon homes for sale, stone harbor nj, avalon nj, stone harbor avalon foreclosures,  island realty group

 

stone-harbor-home-search_buystoneharbor_buy-stone-harbor-real-estate_stone-harbor-homes-for-sale_stone-harbor-condo-for-sale_stone-harbor-vacation-rentals-stone-harbor-summer-rentals-island-realty-group_fasy-real-estate_avalon-homes-for-sale_avalon-condos-for-sale_Avalon-realtors_stone-harbor-realtors

Island Realty Group is quickly becoming a leader in South Jersey Shore Resort Property Sales.

Let us make your dream of owning your very own piece of the Jersey Shore become a reality!

Click the search button above to begin your search.

 

Contact Information

 

stone harbor avalon real estate, stone harbor avalon realtors, stone harbor avalon condos for sale, stone harbor avalon beach information, stone harbor avalon condos for sale, stone harbor avalon homes for sale, stone harbor nj, avalon nj, stone harbor avalon foreclosures,  island realty group

 Office: 609.522.4999

 609.402.8900

fax 609.522.7774

stone-harbor-home-search_buystoneharbor_buy-stone-harbor-real-estate_stone-harbor-homes-for-sale_stone-harbor-condo-for-sale_stone-harbor-vacation-rentals-stone-harbor-summer-rentals-island-realty-group_fasy-real-estate_avalon-homes-for-sale_avalon-condos-for-sale_Avalon-realtors_stone-harbor-realtors

 

 

Beach Tag Information

Beach Tags are required in Stone Harbor.
Tag Office: 609-368-6805
Beach Patrol: 609-368-8461

Daily Beach Hours

10AM to 5PM

 

 

Community Information
Fishing Pier - 83rd & Bay

Tennis Court - 97th Street & 82nd Street

Recreation Department:
1-609-368-5102

For More Information
1-609-368-6101

 

 

Mortgage and Loans
How Mortgages Came To Be

How Loans Started

Why We Pay Interest

Glossary of Mortgage Terms

Buying a New Home

Consolidation Loans

How to Handle Credit Card Debt

All About Equity Loans

Home Mortgage Loans

Catamaran

 

Home Mortgage Loan: Where to go to get the best deal.

Choosing the best home loan in many cases comes down to choosing the best loans officer, and not the institution.

If you go to a particular lending institution and ask the loans officer "Who offers the best loan package?", the officer will probably recommend the institution they are working for.  And when that loans officer moves to a new company, they will probably state that the best package is from their new company.  Hmm.  See a pattern forming here.

So what is the best way of finding the best home loan?

You can contact traditional sources such as Banks, Credit Unions, Savings and Loans, or Mortgage Bankers.  All of these institutions have their strengths and weaknesses, and you may be satisfied with your search.  But remember, in most cases, they are trying to "sell" their own programs, and will not inform you of a potentially better home loan, because it is a conflict of interest.

This is where a Mortgage Broker comes in, either through traditional channels or on the Internet.  Their major strength is that they can shop the market for whichever lender has the best rate.  (And this is faster and more effective than you can do on your own).  They can also handpick a particular home loan lender that suits your needs exactly, and if that submission is declined, they can simply repackage the loan and submit it to another lender.  Once again though, make sure you do some homework yourself to make sure that you're getting the best rates.  You don't want to find out that your mortgage broker has a "greedy" loans officer who is finding the best deal, then charging you a higher service fee, which nullifies the lowest rate.

Ok, youíve gotten yourself approved, now what...

Youíve gotten yourself approved, and now you need to decided which type of mortgage is right for you. 

The type of life you lead (or you wish to lead) should have a bearing on your decisions.  Below is a brief outline of the 4 different types.  (To get a full explanation of these mortgages, talk to your mortgage lender or lawyer).

1) The Fixed Rate Loan is where the interest rate stays the same for the entire length of the mortgage.  If you plan to stay in your house for 15-30 years, this could be a good option because the monthly payments are easy to budget and your payments are predictable.

2) An Adjustable Rate Loan starts with an interest rate which is normally lower than a conventional fixed rate loan, and after a specific period of time (ie 3,5,7, etc years), the rate will change to whatever the current market conditions dictate.  As the rate changes, your monthly payment changes.  So if you feel that youíre in an abnormally high interest rate period, and you think that in the upcoming years the rate is going to drop substantially, you may wish to try this option.  With this option, you may feel safer if your mortgage is for a shorter period of time.  And sometimes these loans have a limitation on how much an interest rate can go up or down, thus once again protecting you.

3) Jumbo Loans are for people who need large amounts of money.

4) And finally, there are home mortgage loans for first time home buyers.  You can maybe take advantage of  FHA or VA government loans based on your income or property location.  You may be able to qualify with less income and incur no down payment.

When choosing your home mortgage loan, the things to consider are

1) how many years do you want the loan to last,

2) how much can you afford to pay each month,

3) your spending habits,

4) your anticipated income over the term of the mortgage, and

5) how long do you plan to stay in the home.

And remember, the shorter your mortgage term, and the higher your monthly payments, the more youíll save in interest payments.   

About The Author

Jennifer Fountain is a successful freelance writer providing helpful tips and advice for consumers on new mortgages, loans, and financing.  

This article from "articles for free" is reprinted with permission.

© 2004 - Articles-For-Free.com

 

 


stone-harbor-home-search_buystoneharbor_buy-stone-harbor-real-estate_stone-harbor-homes-for-sale_stone-harbor-condo-for-sale_stone-harbor-vacation-rentals-stone-harbor-summer-rentals-island-realty-group_fasy-real-estate_avalon-homes-for-sale_avalon-condos-for-sale_Avalon-realtors_stone-harbor-realtors

 

 

ISLAND REALTY GROUP

1701 New Jersey Avenue - North Wildwood NJ 08260

Office: 609.522.4999     Fax: 866.571.9766

Cell: 609.402.8900

stone harbor avalon real estate, stone harbor avalon realtors, stone harbor avalon condos for sale, stone harbor avalon beach information, stone harbor avalon condos for sale, stone harbor avalon homes for sale, stone harbor nj, avalon nj, stone harbor avalon foreclosures,  island realty group  

 

 

 

 

PLEASE VISIT OUR OTHER WEBSITES:

OCEAN CITY REAL ESTATE               SEA ISLE CITY REAL ESTATE               WILDWOOD REAL ESTATE

WILDWOOD VACATION RENTALS                JOEWILDWOOD                SOMERS POINT REAL ESTATE

ISLAND REALTY GROUP

 

 

 
Template Design by Midnight Oil Graphic Design Copyright 2003 Date Last Updated:  June 29, 2012