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Property Information for 1007 STONE RD


Property Information for 1007 STONE RD


Attention Developers Seller Providing Building Approvals For An Adult Community/townhouse Community! Perfect Location - Possibly 6 To 7 Single Detached...

Property Information for UNION BEACH, NJ 07735


Property Information for UNION BEACH, NJ 07735


Listingtext" Class="listingtext">single Family Property, Area: Union Beach, County: Monmouth, Year Built: 2008, Three Story, Dining Room, Laundry Room...

Property Information for 611 BAY AVE


Property Information for 611 BAY AVE


Beds4 Bed Baths2.5 Bath House Size2800 sq Ft Lot Sizenot Availableprice$349,900price/sqftproperty Typesingle Family Homeyear Built2011neighborhoodnot...

Property Information for 125 DOCK ST


Property Information for 125 DOCK ST


New Construction-ready To Go.  two Story Foyer With Ceramic Entry Way.  stainless Steel Appliances And Granite Countertops. Union Beach Is Coming...

Property Information for 306 Prospect Ave.


Property Information for 306 Prospect Ave.


Beautiful 4 Bedroom Colonial To-be-built On 100x100 Lot. Two Story Entry With Ceramic Tile.  stainless Steel Appliances In Kitchen Along With Granite...

Property Information for 931 7th St


Property Information for 931 7th St


Property Details:baths:full: 2baths:half: 1garage Capacity: 2pool: Nofireplaces: Nobasement: heat Ac: Central Airstyle: Colonial

Property Information for 705 SPRUCE STREET


Property Information for 705 SPRUCE STREET


"be A Part Of The This Wonderful Little Town"."water Views" New Construction At A Affordable Price..4 Bedroom Colonial..large Room Sizes And Still Time...

Property Information for 515 AUMACK AVE


Property Information for 515 AUMACK AVE


Beds6 Bed Baths4 Bath House Size2606 Sq Ft Lot Sizenot Availableprice$339,900price/sqft$130property Typesingle Family Homeyear Built1994neighborhoodnot...

Property Information for 802 8th St.


Property Information for 802 8th St.


Wow, Check Out These Room Sizes!!! Beautiful 4 Bedroom Home On 75x100 Lot.  All Stainless Steel Appliances.  Also 20x20 Building On Property,...

Property Information for 705 Spruce St


Property Information for 705 Spruce St


Come Back To The Shore! Beautiful New Construction, 3 Bedroom 2.5 Bath. Property Details:baths:full: 2baths:half: 1garage Capacity: 2pool: Nofireplaces:...


Surf Your Town Surf Your Town Sury Your Town Business Directory Surf Your Town

Morristown, New Jersey Better Homes Realty Broker, Glomb receives award while highlighting SEO and digital marketing trends for 2014.

Morristown, New Jersey Better Homes Realty Broker, Glomb receives award while highlighting SEO and digital marketing trends for 2014. Morristown, New Jersey February 1, 2014 - Ronnie Glomb Broker and Owner of Better Homes Realty in Morristown, has been awarded The Platinum CIrcle of Excellence for 2013, closing on 170 transactions exceeding $65,000,000. This prestigious award is given to real estate agents in the New Jersey for top sales performance. Utilizing traditional marketing, Glomb infused his plan with innovative Digital Marketing to generate leads. “Being a good salesman is important, but in order to sell you must first attract the client”, Glomb states. His Digital Marketing and SEO plan has positioned him as a leader and an agent of digital domination. This Real Estate marketing mogul began his career in various home service companies, building a clientele starting with the middle class, that now includes professional athletes and Rock Legends. His casual demeanor and boyish charm add to his relatability. Humble beginnings make him an inspiration to all, regardless of social status. Glomb is a shining example of what we all yearn for, “The American Dream”. In the aftermath of real estate fallout, Mr. Glomb steadily grew his clientele during some of the roughest times since The Great Depression. “There were many agents who walked away from the business, but my gut told me to stay in for the long haul”, Glomb states emphatically. Knowing that success does not happen overnight, Mr. Glomb put together a Marketing plan with attainable goals for the years ahead. 2014 is a year of growth for Ronnie Glomb and his agency Better Homes Realty in Morristown, New Jersey. Digital marketing has transformed the real estate business as 93% of people are viewing homes online first. Recent research shows mobile marketing is the future and Glomb is racing to the platform. The market has stabilized and the time is right for the next evolution of this digitally dynamic real estate agency. Mr. Glomb is branching out in the areas of Social Media, Public Speaking, Ebook distribution, Videos, Podcasts, and Webinars. These forums will attract a younger tech savvy sales force and clientele for Better Homes Realty brand. You can reach Ronnie Glomb at his office 855-600-2465

The Sandy Benefit Concert

Sunday, September 8, 2013

3:00 PM

SeaStreak in Highlands, NJ

Benefit - highlands

A project that endeavors to build 26 playgrounds in Hurricane Sandy affected areas while honoring 26 beautiful lives lost at Sandy Hook...

Bobby Bandiera

Southside Johnny

And Many Special SURPRISE Guests!!!

Tickets: $35 or $120 for pack of 4

For tickets and more information visit

Benefit Night


Join the American Legion Post 321 and T.G.I. Friday's for a meal on Wednesday, August 21, 2013 from 2:00 PM - 10:00 PM. When you present this flyer 20% of the sales will be given to the American Legion Post 321 . By joining us for this meal, you help raise money for American Legion Post 321, Union Beach, NJ 07735

3054 Route 35 South - Hazlet, NJ 07730

(732) 888-7800

Inaugural Running of the Union Beach 5K


Come run with us and celebrate our community while helping us Recover, Restore, and Rebuild.

Saturday, June 22, 2013

9:00 A.M.

Henry Hudson Trail and Spruce Street ~ Union Beach, NJ 07735

Post Race Party at Jakeabob's Off the Bay

910 Union Ave., Union Beach

***100% of proceeds will benefit Union Beach***

~Sporting Goods Drive~

The athletes at Westfield High School have learned many of our student athletes' sports equipment were lost in Super Storm Sandy. Knowing how important sports are and with the arrival of Spring sports, the students at Westfield High School are conducting a sporting goods drive for Jersey Shore impacted children. The items donated include new or gently used balls, sticks, bats, cleats, padding, gloves, helmets, skates, basketballs, footballs, etc. Additionally both General Electric & Sports Authority have also made donations.

This private event will be held on Saturday, March 2, 2013 & Sunday, March 3, 2013 at the Parish Center in Monmouth Beach.

Registration is required ~ Please register at:

Pasta Dinner~Re-Construction of American Legion in Union Beach, NJ

Please join us for an evening of Food, Fun &Music!

Saturday, March 2, 2013 ~ 6:00 P.M.

American Legion Post 434

11 Sanford Street

Manalapan, NJ


$10.00 Adult Admission & $5.00 Children 12 & Under

Dinner will be served from 6:00 P.M. ~ 9:00 P.M.

*To-go boxes available*

DJ Mike will be spinning music favorites until 12:00 A.M.

Proceeds to benefit the Re-Construction of

American Legion Post 321 in Union Beach, NJ

(Post destroyed by Hurricane Sandy)


While searching properties for sale in Middletown today, I noticed there are 164 homes under contract in Middletown alone. Great News for anyone looking to sell their home! Buyers are out there.. despite the snow storms and freezing temps. Priced right, there are even bidding wars going on. Don’t delay listing your home. Let my unique marketing plan get your home SOLD! Call Melissa Haddad today ! Cell (732) 337-0098 2012 Circle of Excellence Recipient

"Family Day at Union Beach!"

Sponsored by "The Footprints Family" - Sunday, February 24, 2013 - 1:00 PM - 4:00 PM - Holy Family Gymnasium

Join The Footprints Family for a fun filled day! There will be music, food & kids events.

This is a special day to celebrate the courageous journey of the Union Beach Community as they rebuild for a new bright future!

All are welcome ~ We hope to see you all there!

"The Concert for Union Beach"

The Concert for Union Beach is on!

We have secured the soccer field on Stone Road, next to borough hall. The date is Sunday, June 2, 2013 from 12:00 PM - 9:00 PM - Rain date scheduled for Sunday, June 9, 2013.

It is a free concert for everyone from the Union Beach & Keyport area. It will be a day to bring the whole family! You can pack a picnic basket or purchase food from vendors. There will be face painting, a cotton candy & popcorn machine, and lots of other activities for children! Most important there will be 7-8 bands performing, most of whom are from Union Beach.

For further updates, go to "The Concert for Union Beach" on Facebook created by Big Poppy Productions, who will also be designing our posters & fliers. They will also be at the concert taking photos and videos throughout the day.

Take some time to stop by and show your love and support to all those from Union Beach whose lives have been turned upside down by the destruction of Hurricane Sandy. Hope to see you all there!!

"The Walk of Hope for Union Beach!"

Please join us for a walk to remind us how far we've come from Sandy and how far it is that we still need to go to our recovery. Hope to see you all there wearing your blue on Saturday, February 16, 2013 at 10:00 A.M. at our beachfront parking lot ~ Front Street, Union Beach, NJ

New Listing, Best Deal in Sayreville!

Beautifully kept, Recently Remodeled Condo!
Large 2 Bedrooms & 2.5 Baths with Lots of Closets. Efficient Layout with Spacious FR, NEW Eat-in Kitchen, New Kitchen Cabinets, Floors, New Back splash and Recessed Lights. NEW Beautiful Bathroom on 1st level. FR with fireplace, Professionally Painted 1st level. OPEN LAYOUT! Located on a quiet cul-de sac. Close to transportation, Parkway, Shopping. 46 Lanter Lane, Sayreville $229,900.00 Contact Anita Kazmierczak for more information 732-547-2710, Better Homes Realty 732-677-3983              

Open House Sunday 1/13 452 Angel Street, Aberdeen

Adorable three bedroom ranch on quiet dead end street in Aberdeen could be yours.  Walk to school. Close to transportation. 452 Angel Street, Aberdeen Sunday 1pm-3pm $225,000.00 Hwy 35 to Angel St.   For more information contact Frank Serpineto 732-241-2892 Better Homes Realty 800-531-2885 ext 393

Belford Engine John Evans Memorial Poker Run

Belford, New Jersey


739 Main Street Belford Engine of the Middletown Township Fire Department is hosting their 4th Annual John Evans Memorial Poker Run this year, Registration is at 10:00am-11:30am. Riders $20.00, Passengers $15.00 & Walk-Ins are welcome $15.00. Registration includes Food, Sodas, Water, Beer Trailer, Multiple Vendors. We will be selling T-Shirts, 50/50s and a Clam Bake Cooler Reffle. Also there will be a Live Band Preforming "The Sundries" . Rain Date July 15th. Please visit for more details.  A portion of the proceeds are to be donated to the American Cancer Society.  


I have an extensive laundry list of reasons living in Monmouth County is wonderful, since school is out and the heat is on, lets start there. While New Jersey is well known for its beaches, or as people often refer the "jersey shore" there are a number of things you can do to beat the heat, aside from walking the boardwalk and catching some rays on the sand. Many people are aware that exit 117 on the Garden State Parkway is where your summer fun begins. All roads lead to Sandy Hook, a 7 mile stretch of beach with both ocean and bay sands. Did you know not only is this a beach,but it is also a National Park? Take the time to enjoy Fort Hancock Museum, Maritime Museum and hiking and biking trails. While on hopping off at exit 117, take some time to enjoy Runaway Rapids. This water parks is just across the street from the Keansburg Amusement Park and just a few short blocks off Highway 36. This is a great place to take the whole family!  The park is not the large scale water parks we are used to, but a great alternative to take  2 or 3 hours to splash around with out losing your group in the crowd. Joint admission is also available to the Amusement Park giving you extra bang for your buck! Finally, looking for a spot without all the usual tourist trappings?  Enjoy one of Monmouth County Park Systems best kept secrets.  Dorbrook Recreation Area offers a Sprayground. This great playground for the smaller kids is a super fun treat! With dry and wet playgrounds and water tables and umbrellas you are sure to enjoy. These are just some of the reasons living in Momnouth County is a such a treat. While your enjoying all that we have to offer take some time to consider owning in this area. Want to know more about why Monmouth County is a great place to live? Call me for more information posted by Danielle Calabrese Better Homes Realty 800-531-2885 ext 625- Working 24/7 for all your real estate needs  

Open House- 6/3/2012- Union Beach, NJ; Middletown, NJ; Whiting, NJ

This gorgeous 3 bedroom 1 bath waterfront home will be shown 1pm-4pm at 330 Front Street in Union Beach, NJ (Listing price of $349,900) See more here!   This 4 bedroom 2 bath Middletown home will be shown at 75 Field Ave from 1pm-4pm. (Listing price of $340,000) See more here!   22 Fennel Ct. Whiting, NJ: New construction finished & ready for quick closing. 2 Large bedrooms, 2 full baths, garage & open floorplans. The total list price of this home includes $60,000 in upgrades! (No additional cost.) Country Walk at Lake Ridge is Located in the beautiful wooded area of Whiting, New Jersey near the shore points, transportation & shopping! Only few new homes left for sale! (Listing price of $165,270.) Open house will be from 1pm-3pm. See more here!  


Make your dreams of owning a home a reality!  Thursday May 10th, Better Homes Realty in Keyport will be hosting a FREE First Time Home Buyers Seminar here in town at a local coffee house called Esspresso Joe's. There will be a variety of speakers and Real Estate professionals on hand to answer all of your questions and concerns in todays very challenging market.  Information on Monmouth County Grant Funds and Short Sale advice will be available! Preview available properties for Keyport, Hazlet, Aberdeen and Middletown. The meeting will start at 6pm and for more information please contact the Keyport office directly at 732-264-9593!!!

National Open House Weekend Tips!

ATTENTION BUYERS!! The time has come to get your comfortable shoes on, grab a water bottle and get the car keys, it's National Association of Realtor's Open House Weekend and in Monmouth County the balloons will be everywhere!!! Here are some handy tips that you may want to keep you from getting overwhelmed by it all. First, make it an occasion to spend some quality time with your significant other by getting a babysitter so you can see as many as possible and look forward to lunch or dinner after 4pm when most of them end. Second, have a plan! Know which areas you are most interested in based on school systems, access to work or family members, Hazlet, Middletown and Holmdel are among the most popular. Try to determine the exact style of house that you like such as a Colonial, Ranch, Split, Bi-Level or Cape. Research these different styles so you have an idea of what they look like from the street and try to resist the temptation to look at any that you know will not be your dream house so will have time to preview the right one.  Establish if you definitely want a garage, this will cut down on the amount of homes you would be tempted to preview on your drive by. Bring a pen and make notes on the print outs offered by the Realtors so you will be able to refresh your memory at the end of the day. And finally, remember to have fun and get excited about the prospect of buying your next home! Joanne Schiffres, Better Homes Realty, Hazlet 732-757-5013    

New Construction, Finished and Ready for Closing!

New 4 bedroom, 2.5 bath home , finished and ready for a quick closing. Open and bright first floor plan, Great Room with gas fireplace, Formal Dining Room, Kitchen with granite countertops and stainless steel appliances. Master bedroom with walk in closet. Open House Sat.-Sun 12pm-4pm 1 Colgate Ct, Franklin, NJ 08873 $499,900.00 Contact Anita Kazmierczak for more information 732-547-2710 [caption id="attachment_4853" align="alignnone" width="300" caption="New Construction!!"][/caption]

Open House, Hazlet NJ

Open House, Sunday April 29th, 1pm-3pm 17 Belfast Ave, Hazlet NJ. Four bedroom, 2.5 bath Center Hall Colonial waiting for new owners. Professional landscaping,paver walkway and newer front door give it great curb appeal. Fully fenced Backyard perfect for BBQ's. Large formal living room & formal dining room with hardwood floors. Large Family room has built in bar. Mud room is also being used as an office. Newer roof with 30 yr warranty. A must see!!! $339,500.00 Call Patricia Florkowski for more information 732-406-5680 [caption id="attachment_4848" align="alignnone" width="300" caption="Center Hall Colonial"]17 Belfast Ave, Hazlet, NJ[/caption]

Your Realtor Is A Valuable Resource

Realtors are more than just "door openers".  An experienced full time agent has established and maintained great industry relationships over the years in order to serve his or her clients when it comes to the largest purchase they will ever make. Your Realtor's sole purpose should be to make your transaction as seemless as possible. That is why they should be the first person you go to when you need an important referral such as an attorney, home inspector or most importantly, a mortgage representative. Real Estate transactions are only as good as the people involved in order to move things along in a timely fashion and open communication between those related industries are most important when difficulties arise. Why wouldn't you, the buyer or seller, want all parties involved in your transaction to have your best interests in mind and make this experience one of excitement and joy rather than something else entirely! Joanne Schiffres Better Homes Realty 732-757-5013

Last New Construction Home At Cranbury Crossing

  LAST NEW HOME LEFT FOR SALE!! NEW CONSTRUCTION Renaissance at Cranbury Crossing Premier Adult Community Upon entering this home, you can't help but notice all the space! The kitchen and family room have tall cathedral ceilings. The living and dining room are joined and the dining room and a large kitchen. The owner's suite is enormous and features dual vanities and a spacious walk-in closet.Convenience, low-maintenance, and style! Located within minutes of Exits 8 and 8A of the NJ Turnpike.  This wonderful adult community combines a convenient and coveted address with a healthy and relaxing maintenance-free at-home resort lifestyle. Nestled on 60 acres of scenic woodlands and preserved green spaces, Renaissance at Cranbury Crossing is a private paradise of only 182 beautifully designed single-level single family homes, interspersed with glistening ponds, fountains and superb recreational amenities. The community's centerpiece is a lavish, 7,200 square foot clubhouse where you can go for a workout in the state-of-the-art fitness center, meet friends for a game of cards or billiards, read a book by the fireplace, or go online in the computer center. Our multi-purpose room with adjacent catering kitchen is perfect if you want to entertain on a more lavish scale than your home will allow. Step outdoors and you'll feel as if you're on vacation with amenities that include bocce, shuffleboard and tennis courts, a large swimming pool, sundecks and patios, barbecue grill stations, an outdoor whirlpool, a large putting green with sand traps, even a playground for visiting grandchildren. For more information contact Better Homes Realty, Marlboro NJ 800-350-6579



Help for Seniors

Click here for more info from my colleague Sandra RostekFebruary 29, 2012 by Wendy Trager Email:   It comes as no surprise that some of the hardest hit in this economy are seniors.  Homes seniors have been living in their whole adult life may now burdensome to pay for and upkeep.  Many seniors feel they have nowhere else to go.  Reverse Mortgages can be the solution for a variety of problems:

  • To help seniors looking to downsize and finance the purchase of a smaller home.
  • To help seniors facing foreclosure
  • To help seniors suffering from job loss and unable to pay their mortgage
  • To help with home repairs
  • To help with sale of home
  • To help a senior stay in their current home and pay for home healthcare
What are the requirements?
  • The homeowners must 62 years old
  • The home must be their principal residence (must live in the home more than half a year)
  • The home must be a single family home, a 2-4 unit building or a federally approved condominium or planned unit development
  • If there are debts against the home, then the homeowner must use the reverse mortgage to pay it off
  • There are NO credit/income requirements
How do reverse mortgages differ from regular mortgage or home equity loans?
  • Traditional mortgage or home equity loans require proof of sufficient income and credit history to qualify, and you will have to repay beginning within 30 days of closing.  With a reverse mortgage, there are no monthly payments to be made at any time during the loan for as long as you continue to occupy the home as a primary residence.  Since there is no monthly payment, the FHA does not require verification of your income and does not require a good credit rating. 

Real Estate Social Media

February 16, 2012

There’s a URL for That

LARRY VECCHIO, a Monmouth County real estate broker, was ahead of the curve in the late 1990s when he started buying up a number of generic-sounding Internet domain names that he thought might come in handy one day. The URLs he first went after were “Homesin(fill in the blank).com,” the blank being the names of the 20 towns his agency, based in Hazlet, served. Once he saw how easy and cheap it was to make these purchases — for a one-time flat fee or annual rentals — Mr. Vecchio started buying up every similar-sounding URL (Uniform Resource Locator) he could get his hands on. “I just thought, if you were going to look for a house, what would you type in?” he recalled. “So I looked up ‘homesin...’ and nobody had them.” Among those he learned were available were HomesintheUnitedStates, HomesinNorthAmerica and HomesinNewYork. (One that had already been spoken for was HomesinNewJersey, which was owned by someone in the Canadian town of New Jersey, from whom he was able to buy it for $1,500.) Today he owns 1,300 URLs, including “Homesin...” and “Condosin...” for just about every municipality in New Jersey, as well as towns throughout the country. He also owns the domain names, meaning that by adding a backslash and the name of any town in the United States, he has a network of some 35,000 URLs. As the vast majority of house hunts happen over the Internet, Mr. Vecchio’s URLs have a colossal resale value — far exceeding what he paid for them. For instance, he said he had been offered $100,000 for “” But this 54-year-old Web visionary has bigger plans for his holdings. Until recently, most of the Homesin... pages have had little or no content. But Phase 2 of Mr. Vecchio’s plans for envisions the URLs as the go-to real estate search-and-information site for anyone looking to buy a home in New Jersey and beyond. He has recently bought access to real estate listings nationwide, at a cost of $4,000 a month; he plans to populate his Web sites with these by the end of February. This will put him on similar footing with many other national real estate search sites, like,, the Multiple Listing Service, and But what he is hoping will make his sites more valuable are the “town leaders” he is trying to get to host each site: local agents or mortgage officers who will blog about area homes, schools, businesses and other community news in exchange for being the featured real estate professional on the site. By combining this hyperlocal reporting with real estate listing information, Mr. Vecchio said, he has developed “the first social media real estate site.” At the 2011 Tri-State Realtors Convention in Atlantic City in November, agents were competing for blogging rights on the URLs of some towns, said Christopher Sheridan, a real estate marketer who is signing up the local bloggers for Mr. Vecchio’s sites. “If you snooze, you lose,” said Mr. Sheridan, who has thus far signed up 180 town leaders, most of whom are paying the company $50 a month for that privilege. “If somebody wanted a town, I told them they better take it, or at least put something down.” Judith Weiniger, a Somerset County agent, recently signed on to be the featured broker on the and sites. She described her venture as part of her overall commitment this year to embracing social media as a selling tool. “I’m a big believer in this hyperlocal social media strategy,” said Ms. Weiniger, an agent with Re/Max Premier in Warren Township. “People are more apt to trust a person or a business if they know someone else trusts them. I’m looking to build continued good will.” National Web-based real estate sites, too, are adding social media elements to their offerings, with blogs, links to Facebook and Twitter, and user apps. Patty McNease, the marketing director for, said her company’s site was now posting a blog almost every day on some general-interest real estate topic. As far as localizing the information goes, Ms. McNease said, the site offers a question-and-answer section allowing readers to post queries about a given market, and “they’ll be bombarded with answers from local realtors within a few hours.” The goal at — the country’s fourth-largest Web-based real estate site, according to, a digital data analyst — is to “try to capture and keep visitors at our site as long as possible,” Ms. McNease said. Ian Lazarus, a broker with the Landis Company in Sea Isle City, signed on to host the Homesin... sites in Sea Isle City, Cape May and Avalon. He said he had been slow to embrace the blogging component of real estate sites, which in recent months had provided him with 50 to 60 leads, the majority of them people living outside of New Jersey. “He’s got 1,300 URLs, and every one is linked to the others,” Mr. Lazarus said of Mr. Vecchio. “That’s a lot of juice. And for me it’s important, because it’s something I can never build.” [caption id="attachment_4389" align="alignnone" width="190" caption="Real Estate Social Media"][/caption]

Let's Buy Something Together...

Buying A Home With Past Credit Problems Buying a home can be both exciting and stressful but, for those with past credit problems, the process may also seem intimidating.  The good news is that many lenders have adapted to the idea that many hopeful homeowners simply need a second chance, which means that past credit problems no longer have to define your future. Credit Blemishes When life unexpectedly takes a turn for the worst, it’s not always possible to come out without a few bumps and bruises. Every day, people are faced with late or missed credit card payments, mortgage foreclosures, bankruptcy proceedings, auto repossessions and even civil judgments that will affect their credit reports for years to come.  Whether it’s from a job loss, injury or just a simple case of temporary hardship, credit blemishes are often a part of life.  The good news is that they no longer have to prevent you from becoming a homeowner. Give Yourself A Little Credit After experiencing a credit problem, most lenders will want to see an attempt to rebuild your credit through a steady payment history with a new account.  This can be accomplished by applying for a credit card and maintaining a responsible use of the account.  If you aren’t approved for an unsecured card, you can always apply for a secured credit card. Either will rebuild your credit over time and will help to show lenders that your past credit problems are just that - in the past. Clean Up Your Credit Report Before applying for a home loan, make sure that you check your credit report from each of the three major credit reporting agencies. Every 12 months, consumers can request a free copy of their credit report from Experian, Equifax and TransUnion. If anything is incorrect or found to be inaccurate, filing a dispute with the credit reporting agency can help to get the information corrected before speaking with a lender. When you apply for a home loan, the lender will access your credit report for the purpose of determining your creditworthiness. In an effort to ensure that you have the best possible chance at being approved for the loan at the best possible interest rates, making sure that your credit report is accurate is a must. Save Up For A Down Payment Some homebuyers often qualify for a mortgage with down payments as low as five percent (three and one half percent for FHA loans), but those with past credit problems may be required to shell out up to 35 percent or more for a down payment on their new home.  A buyer who pays a larger down payment obviously has more vested interest in the home and may, thereby, be less likely to default on a loan.  If you have past credit problems, check with your lender about specific down payment requirements and start saving! Creative Financing Options If you’ve exhausted all of your conventional efforts and are still turning up empty, don’t give up just yet. Alternative financing is an option that many homebuyers use to purchase a home.  Your REALTOR® can provide you with details regarding any lease purchase and/or owner financing properties, which may require no credit check, no bank qualifying, a low down payment and competitive interest rate options.

When one conjures an image of Independence Day, they gravitate to thoughts of beautiful weather, hot dogs, family friends, bar-b-cues, and FIREWORKS. As the annual celebration of America, grilling, and pyrotechnics descends upon us one would be wise to celebrate in Monmouth County, NJ. Here in the quintessential shore community towns are gearing up for their salute to America, everyday this weekend one can sample something from the veritable smorgasboard of all things Americana. My first stop of the weekend will actually begin tomorrow night In Atlantic Highlands. The Atlantic Highlands Fireman's Fair is this week; running from Tuesday to Saturday. The highlights are Wednesday night's Fire Fighter night and Friday Nights Fireworks. All festivities are located at the Atlantic Highlands harbor found at the end of First Ave. KaBoom Fest in Red Bank will encompass the 1-3rd culminating is undoubtedly the finest fireworks spectacle in New Jersey. I love these fireworks, it gets crowded so get there early. I recommend taking the train in, parking gets to be an issue (price/availability/traffic). Contact the rivercenter for dining and shopping specials. Finally we have Oceanfest in Long Branch, this celebration of America and the Atlantic is celebrating its 21st year of existence. For those who prefer fireworks actually happening on the 4th, this is the place to go. I would stop in Sea Bright this evening and catch both the Long Branch and the Sea Bright Fireworks simultaneously. Sea Bright provides the musical stylings of the Tim McLoone Band, plus great beachfront restaurants and moderately better parking that the beach at Long Branch. Come on down the shore and celebrate your independence!


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