Capacity: Strength In Numbers

Capacity To put it very simply, you need to prove that you can repay the loan. To determine if this is the case, the underwriter will analyze employment status, annual…
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How to Buy a Foreclosed Home

Home buyers often think they want to buy a foreclosure. They’re certainly still available. Unfortunately, as many full-service mortgage lenders can attest, many buyers jump in before truly understanding what the…
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How to Buy a Home for the First Time

Becoming a first-time homebuyer in New Jersey or New York can seem like a daunting task. So many things to consider, so many moving parts. But when approached methodically, it…
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Is Now a Good Time to Buy a Home?

Is now the best time to buy a home? It’s not an easy question, but rather one that involves many considerations, including: Is the current market favorable for buyers? Are…
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How Do I Buy a Second Home?

Home owners who purchase a second property do so for numerous reasons. Some want a vacation home that they rent out during the periods they’re living elsewhere. Others may buy…
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