CONDO APPROVALS If you own or are looking to buy a Condo/Townhome with an association or management fee collected, you will want to be aware of a potential issue regarding financing. The majority of lenders will require that the condo association provide proof of financial stability and other reporting before you can obtain mortgage financing. FHA maintains a list of approved associations, but the list contains only about 25% of all condos! Many of the previously approved condos had their approvals revoked or expired in 2011 & they failed to re-apply, or could not qualify. Realtors & owners/buyers can look here to see if their condo is approved: https://entp.hud.gov/idapp/html/condlook.cfm    (This is the official HUD site.) or http://www.fhaapprovedcondomap.com/east-coast/ (this is a g... 12/10/2012

Home for Sale By Owner in Toms River, NJ 08755 - Flat Fee MLS Listing $395 9 William Ter Toms River, NJ 08755 - Realtors welcome, buyer agent commission paid at MLS#21234844 3 Beds 3 Baths ABSOLUTELY STUNNING. A MUST SEE! This House has everything you need. 3 Bedrooms 2.5 Baths all BRAND NEW Beautiful NEW State of the art KITCHEN w/SS Appliances, center island,plenty of cabinets, walk in pantry New Lighting fixtures, recessed lights everywhere w/under the counter lights for great visibility Hard Wood Floors throughout Master Suite with walk in closet Spacious living room w/FIREPLACE Large walk out finished bsmt Florida RM w/Heat and AC Plenty of storage. Updates to many to mention If you are interested in this Home for Sale By Owner in Toms River, NJ 08755- Flat Fee MLS Listing $395, pl... 11/10/2012

Toms River is the 7th largest municipality in New Jersey and prides itself on its 242-year old history that has laid the foundation for the township to become the seat of Ocean County, which is the second largest county in New Jersey.   Toms River's is midway between New York, Philadelphia and a short distance from Atlantic City. Since the mid 1800's, Toms River's rural farming, fishing and boat-building area has grown from a 2,700 populace to today's 95,000 residents. Toms River is not only a wonderful place to live but also an attractive place to visit, with miles of Atlantic Ocean on Toms River's Ortley and Normandy beaches. Aside from oceanfront fun, Toms River's Silverton section and the Toms River itself spill into the Barnegat Bay, making the township a fine boating and fishing h... 10/28/2012

  Home Affordability: Continued   My previous post on affordability I went back as far as 1989 to compare to today. For today’s addition we will look at more recent history. The chart below is a quick look at the last 6 years: What does that all mean? Well, it is pretty simple: The price is the Median price of a home in 2006 and in 2012. The Rate: That’s where rates were in 2006 and where Rates are today. The payment: That is a little more complicated: This goes on the assumption of a Conventional loan with 20% down, and that is the Principal and interest payment based on the rate above for that 80ltv loan. So in 2006 it would cost $439 more per month to buy the same hypothetical median priced home than it would cost today. Let’s put a little perspective on that number.  I would anticip... 10/19/2012

  I saw an article earlier today that mentioned how complacent buyers are getting when it comes to rates. I couldn't agree more. People are thinking rates in the 3's are the norm, while any of us in the business for any period of time know that is not the case. Just for fun, I ran a few numbers- Today vs. 1989. the chart below goes back quite a bit further, but 1989 is near and dear to me. Why 1989? Well, that is when I purchased my first house.My first mortgage was at 11.25% and that was a good rate as I was in the business a few years already. So based on the historically accurate facts: A $100,000 30 year Mortgage at that rate was $971.26/month, So let's compare that to today: Last week I locked a few people in at 3.25% for a 30yr fixed. That would be $435.21/month. for $100,000. $53... 10/16/2012

The data on this page is consolidated from multiple sources and includes current listings, recent sales, and more. Whether you’re a buyer or seller in Toms River, the knowledge you gain will help put you in control of your real estate transactions. Call or email me anytime to discuss how this information can benefit you! Toms River Housing Price Trends - Sold vs. Listed: The median list price in October for single family homes in Toms River is $282,250. The list prices dropped by -2.63% from the previous month. The price per square foot for listings in this area is $174. The median sale price in July for Toms River single family homes is $295,000. The sale prices increased by 18.02% from the previous month. Toms River Housing Market InventoryTrends: The number of active listings in Toms... 10/11/2012

  Understanding your credit score     Your credit score is more important than ever. It can affect everything from Insurance, to your job and your ability to be approved for a loan and the rate you get when borrowing. Credit scores range from 300-850. Scores below 620 are considered bad, above 680 good, above 750 excellent. The biggest piece of your score is the obvious, payment history, but this only accounts for 35% of your score. The second biggest piece revolves around your balances and is where people most often get hurt. 30% of your score is based on your available balances. The other way to look at this piece would be your balance in relationship to limit. This isn’t based on the dollar amount, it is purely percentage.Typically you want your balance to be below 20% of the limit d... 09/25/2012

Just Sold! 1594 Greenleaf Ct. North Dover - Toms River NJ   Another Listing sold, listed and marketed by Roy Giordano.  732-213-2438   The owners and I are pleased to announce the sale of their former home located at 1594 Greenleaf Ct Toms River. This home is located in the North Dover section of Toms River NJ   This beautiful Colonial style home offered 4 bedrooms, 2.5 bathrooms, large eat-in kitchen, Sunken Living Room, Formal Dining Room, Family Room with a Fireplace, Full Finished Basement, Large Paved Patio, and a Two Car Side Entry Garage. All this situated on 1 acre + of manicured property located in a Cul-De-Sac.   If you or someone you know is considering buying or selling a home in the North Dover area of Toms River, please call me. I will get your home sold for the most amoun... 09/16/2012

What is you're Toms River home worth....Toms River Housing Market Trends for the 08753 zip code. Toms River Housing Price Trends - Sold vs. Listed   The median list price in September for single family homes in Toms River is $289,900. The median price per square foot for listings in this area is $175. The median sale price in July for single family homes is $260,000. The sale prices increased by 8.55% from the previous month.     Toms River Housing Market Inventory Trends The number of active listings in Toms River dropped by 0.5% from the previous month. The median number of days active properties have been listed is 97. The number of sales in July dropped by 88.2% from the previous month. Toms River Property Ownership This chart below shows home occupancy in the Toms River zip code 08... 09/06/2012

Home for Sale By Owner in Toms River, NJ 08753 - Flat Fee MLS Listing $395 18 Union St Toms River, NJ 08753 - Realtors welcome, buyer agent commission paid at MLS#21230574 3 Beds 2 Baths Great conditiion, a must see charming house, in lovely downtown historic area. Living room- fireplace with orginal mantle, french doors leading into a screened-in porch. Eat-in kitchen with built in's for dishes, all appliances with washer and dryer in seperate area. Dining room with great sun exposure off kitchen. Full bath with shower on 1st floor. Full unfinished basement. Upstairs 3 Bedrooms, bath with claw foot tub with hand held shower. Full attic. Extensive gardens in front and fenced in. If you are interested in this Home for Sale By Owner in Toms River, NJ 08753- Flat Fee MLS Listing $395, plea... 08/30/2012

The median list price in August 2012 for single family homes in Toms River is $299,777. The list prices increased by 1.65% from the previous month. This data is for the 08755 zip code only. The median sale price in July for single family homes is $200,000. The sale prices dropped by -14.71% from the previous month. The number of active listings in Toms River increased by 5.7% from the previous month. The median number of days active properties have been listed is 83. The number of sales in July dropped by 96.4% from the previous month.     The percent of unoccupied properties is very low in Toms River. It is -10.98% below the national average. The percent of owner occupied properties in Toms River is 23.41% above the national average.     Median List Price of a Toms River Home in the 08... 08/27/2012

1594 Greenleaf Court Toms River NJ is now under contract  Roy Giordano  732-213-2438   I'm pleased to announce that 1594 Greenleaf Court is now under contract, listed and marketed by Roy Giordano.     This beautiful Colonial style home offers 4 bedrooms, 2.5 baths, finished basement, two car side entry garage, all on one acres of property located on a Cul-De-Sac.   If you or someone you know is looking to buy or sell a home in the area, please contact me.                                     1594 Greenleaf Court Toms River NJ is now under contract 07/03/2012

FOR BUYERS & REALTORS One of the biggest obstacles we face today in processing mortgage applications is obtaining proof of assets for funds to close the deal.   Many buyers have multiple bank accounts, stocks, bonds, CD’s, Gifts, etc.  They often make large deposits, transfer money, and sometimes they even want to use cash when buying a home. This is often the biggest issue we have when trying to complete a file on time- documenting all the money!   Underwriting guidelines strictly require a full paper trail of any & all assets to be used to fund the purchase of a home. There are laws we must follow to prevent money laundering, criminal activity, funding of terrorism, etc. We need to warrant to the end investor that any funds used towards the purchase come from an allowable source, and ... 06/22/2012

Home for Sale By Owner in Toms River, NJ 08753 - Flat Fee MLS Listing $395 857 Tudor CT Toms River, NJ 08753 - Realtors welcome, buyer agent commission paid at MLS#21222338 3 Beds 2 Baths Possible M/D, 3-4 BR ranch w/2 full baths, formal dining room, eat-in kitchen, living room and large wood deck for entertaining. Home was used as a M/D previously. Family rm can be converted back to BR and has hookups for Kit Appliances, and has full bath. Central AC, public water/sewer. Many updates throughout. Large wood storage shed in fenced yard. Nicely landscaped yard w/low maintenance front stone lawn. Quiet street and neighborhood. Located 5 miles to beach and boardwalk. If you are interested in this Home for Sale By Owner in Toms River, NJ 08753- Flat Fee MLS Listing $395, please call 1-888-36... 06/20/2012

Home for Sale By Owner in Toms River, NJ 08755 - Flat Fee MLS Listing $395 110 Fortune CT Toms River, NJ 08755 - Realtors welcome, buyer agent commission paid at MLS#21221635 4 Beds 3 Baths A beautiful home situated on a corner lot on cul-de-sac in N. Dover. Former model home of builder, has over $130k in upgrades. Large lot with prof. landscaping, sprinkler s, vinyl fencing, and more. Interior is professionally decorated w/custom paint, decorative moldings, profl window treatments & HW floors throughout. Gourmet kitchen w/upgraded cabinets, granite counters & stainless appliances. All bathrooms have granite counters and upgraded cabinets as well. If you are interested in this Home for Sale By Owner in Toms River, NJ 08755- Flat Fee MLS Listing $395, please call 1-888-362-6543, enter th... 06/20/2012

OPEN HOUSE SUNDAY 4/29/12 1594 Greenleaf Ct. Toms River NJ     Roy Giordano 732-213-2438   Please join me at my open house Sunday 4/29/12 from 1-4 PM. This beautiful home has had a recent price reduction and is now priced to sell at $ 469,000.                                     Click here for a virtual tour   This home boasts 3400 sq ft. and offers 4 bedrooms, 2.5 bathrooms, two story entrance, two story family room with fireplace, sunken living room, finished basement, and a two car side entry garage, all this on a beautiful one acre property located on a cul-de-sac.   Directions: Church Road to North Bay to right on Greenleaf Ct. Located in the North Dover area of Toms River   If you or someone you know is interested in buying a home in the area, please contact me.                   ... 04/28/2012

As the 7th largest municipality in New Jersey, Toms River prides itself on its 242-year old history that has laid the foundation for our township to become the seat of Ocean County, which is the second largest county in New Jersey. Toms River is exit 82 A/B off the Garden State Parkway leads visitors to our main commercial corridor, Rt. 37, which rides directly into Seaside Heights Borough. Toms River is not only a wonderful place to live but also an attractive place to visit, with miles of Atlantic Ocean on Toms Rivers Ortley and Normandy Beaches. Aside from oceanfront fun, Toms Rivers Silverton section and Toms River itself spill into the Barnegat Bay, making our township a fine boating and fishing haven with marinas and inlets to satisfy the avid fisherman and boater. Other communiti... 04/25/2012

JUST REDUCED! 1594 GREENLEAF COURT, TOMS RIVER  08753  ROY GIORDANO  732-213-2438.   1594 Greenleaf Court in Toms River NJ has just been reduced to $469,000 and priced to sell. This home is located in the North Dover Section of Toms River.                                       OPEN HOUSE THIS SUNDAY 4/29/12 FROM 1-4 PM   Beautiful Colonial Style Home located on a Cul-De-Sac. This home features a Two Story Entrance Foyer, Two Story Great Room w/Fireplace, Florida Room, Office/Library, Sunken Living Room, Hardwood floors, Decorative Moldings, 6 Panel Doors, Finished Basement., New carpet on 2nd floor, Freshly painted. Extended Driveway for additional parking, Two Car Side Entry Garage, Large Paver Patio, Beautiful Property on 1+ acres, Professionally landscaped. Move-in Condition. A must ... 04/25/2012

Open House in Toms River with photos and maps for Sunday April 22, 2012. Toms River Open House information including school reports, neighborhood data and Toms River Market Trends. Here is the list of Open Houses in Toms River for Apr 22, 2012 with easy to access maps and numerous photos. These homes are located in East Dover, North Dover, Georgetown, Shelter Cove, Ortley Beach, Money Island, Green Island, Silverton, Snug Harbor, and throughout Toms River Twp. Details: 985  YELLOWBANK RD, TOMS RIVER, NJ - $249,000 Details: 512  HOLLYWOOD AVE, TOMS RIVER, NJ - $249,900 Details: 3112  GLASGOW AVE, TOMS RIVER, NJ - $249,900 Details: 105  GREEN ISLAND RD, TOMS RIVER, NJ - $319,900 Details: 675  MCCORMICK DR, TOMS RIVER, NJ - $324,000 Details: 159  BLUE SEA LN, TOMS RIVER, NJ - $378,900 Deta... 04/21/2012

Home for Sale By Owner in Toms River, NJ 08753 - Flat Fee MLS Listing $395 898 Yellowbank Rd Toms River, NJ 08753 - Realtors welcome, buyer agent commission paid at MLS#21211568 3 Beds 3 Baths Beautiful 3BR/2.5BA, colonial in the desired Georgetown sec. Updated baths & kitchen w/ SS appls. Kit dry bar w/wine rack for added space. Newer hw flrs. Ceiling fans in all BRs & recessed ltg in FR. Newer HWHtr & furnace. New windows t/out. Lrg flat yard for entertaining & extremely private. Gunite I/G pool surrounded by stamped concrete & landscaping. New Hayward pool filer & pump. Meticulous lawn w/sprinkler system. Less than 5 mins from supermarkets, malls, plazas, & home improvement ctrs! If you are interested in this Home for Sale By Owner in Toms River, NJ 08753- Flat Fee MLS Listing $395, ... 03/31/2012