Living In Your Home • January 31, 2019

Adult Community With Water Views in Sayreville, NJ

by Roslyn Sibilia

Wait No Further… Spinnaker Pointe Awaits You!…Many of you are seeking to downsize, but want the convenience for travelling for vacation, work or visitings. Homes in Spinnaker Pointe at Morgan Marina located in Sayerville of Middlesex County offers that and more. You are conveniently located near the Garden State Parkway, NJ Turnpike, and major routes such at Routes 9, 35, 440 and I287. You can head north to NYC and Staten Island, or if heading further south, towards our many Shore Points, well then the Garden State Parkway makes that easier for you. This area is also conveniently located near shopping and reacreation. Want spectacular water and marina views? Then this is for you. Spinnaker Pointe also has amenities to enjoy such as a Clubhouse containing a fitness room, card room, billards room, fireside lounge, multipurpose room and a heated pool. So much to enjoy.

There are 6 models to choose from depening on how much space you really want or need, ranging in 1500 sqft-2900 sqft. Models have 2-3 bedrooms and having 2-3 baths. Also, you they have direct entry garages.

You must be 55 years old to reside here with a seconary resident as young as 48 years old. Should you have an additional resident with you, they must be no younger than 19 years old. So possibly having that college student coming back and forth between semester brakes, is not a problem. Also, have pets? No worries…this is pet friendly development, too.

Curious? Call me at 732-995-5609 / NJHomesbyRoslyn.com. I look forward to making your transition as smooth as possible.

Community News • January 27, 2019

Freehold Twp-Schools & Kindergarden Enrollment

by Roslyn Sibilia

Enrollment For Kindergarden Studens Is Open… Just moved to Freehold Township or thinking of moving here, you might like some information on th elementary schools. Freehold Township Elementary School District is comprised of 8 schools….5 elementary schools Grades K-5 and 2 middleschools with Grades 6-8. Open entrollment for kindergarden for the district is ongoing. For more inoformation regarding the school, contact me at 732-995-5609 / NJhomesbyRoslyn.com.

Community News • Enjoying New Jersey • January 22, 2019

The New Year In Central New Jersey

by Roslyn Sibilia

This could be your year!!!…You know you have been wanting to move here. Nothing says New Jersey like the BEACH! You travel from afar to be here and enjoy the summer fun in the sun. What’s better than living right near a travel destination for all. We have boardwalks, restaurants, amusements and rides with an easy commute to enjoy the day. There are so many beaches to choose from and you can visit a different one each free day. So instead of sitting in traffic or looking to leave at the crack of dawn to enjoy what we here in Central New Jersey do, why not contemplate a move? You know you think about it during the commute. Before you know it…you could be relaxing with your toes in the sand. If you are not sure where to begin or would like to discuss different towns in Central New Jersey, contact me at 732-995-5609 / http://NJHomesbyRoslyn.com. Let’s make a plan…you could be all set up by the summer–Happy New Year!! Why wait?

Uncategorized • January 15, 2019

Desirable End-Unit Townhomes In East Freehold, NJ

by Roslyn Sibilia

Townhouse living at its best….Poets Corner. With low HOA fees, Homes in Poets Corner is the next best thing to a detached home. Poets Corner is a development located in the East Freehold area in Monmouth County. It is centrally located and near all. Travelling approximately 25 minutes east you find our awesome beaches and boardwalks and approximately 25 minutes west enjoy the attractions of Six Flags Great Adventure. If travelling north towards NYC: no problem. You are about an hour card ride and 1 ½ hours by bus. The NJ Transit Bus runs along the Route 9 Corridor or if you prefer the train, the station in Matawan is nearby. Also, about 1 hour north of Atlantic City and 1 hour 15 minute from Philadelphia, you have so many places within your reach. With so much shopping, dining and recreation nearby, you never have to go far. Poets Corner is located with access to Routes 9, 18, 33, 34, 537, 524,I195, Garden State Parkway and the NJ Turnpike

Poets Corner is a Fee Simple development, where the homeowner is responsible for their home’s exterior, as well as the interior, hence the low monthly HOA (Home Owner Association) compared with many other developments. You can add landscaping if you wish and fence in your yard, but most have those installed already. This fee includes amenities, such as a pool, clubhouse, tennis courts and a path around the development, where you can stroll, skate or cycle while enjoying the grounds. There is even a pond with a fountain if you are looking for a water view. Also included in the fee is garbage and recycling collection and snow removal. There are also scheduled bulk pick-ups throughout the year. This development is pet friendly too, just in case you were wondering.

Because this development is Fee Simple, buyers approved with FHA loans are welcome, in addition to other types of financing. Poets Corner consists of 378 end-unit townhomes. With the exception of 1 block, all the homes are located on Cul-De-Sacs. They are 2 level townhomes giving each homeowner 2-3 bedrooms, 2 ½ bathrooms, a living room, dining room and eat-in-kitchen. Some models also have an additional den on the 1^st floor. All homes offer private yards and additional common ground to enjoy, as well. There are 7 different models ranging in sizes from 1500-1900 square feet. The models are contemporary in style offering vaulted ceilings and some have skylights and fireplaces. The best part is this development offers direct entry garages, too with a private driveway: a bonus considered by many.

Children living here attend Joseph J. Elementary School (Grades K-5) and Dwight D. Eisenhower (Grades 6-8). For those in high school, there is the Freehold Regional High School District. In addition to attending a high school zoned for your residency, you child has the option to apply to one of the many Academy or Leaning Centers concentrating in specific areas of study offered in all the high schools in the district. The district is comprised of schools from Colts Neck, Freehold Boro, Freehold Townhsip, Howell, Marlboro, and Manalapan. There are also other Vocational programs offered in additional schools

If you are looking for making a move to East Freehold and Poets Corner has peaked your interest, call me at 732-995-5609 / NJHomesbyRoslyn.com.

Housing Market • January 14, 2019

Interest Rates Fell…Time Is Ticking?

by Roslyn Sibilia

It’s time to get off the Fence...Now is a great time to buy a house. You could sit and wait forever watching the rates week by week for the perfect time. With the rececent decrease after quick rising rates this year, now is the time get moving. Rates are expectd to rise again this year. Contact me at 732-995-5609 / http://NJHomesbyRoslyn.com to guide you through the homebuying process and where to begin.

Mortgage rates for 30, 15, ARM. Full information at http://www.freddiemac.com/pmms/

Mortgage rates posted more drops this week, lowering the borrowing costs of potential home shoppers and refinancers. Rates are now at a nine-month low, which helped boost mortgage applications more than 20 percent this week.

“Lower mortgage rates combined with continued income growth and lower energy prices are all positive indicators for consumers that should lead to a firming of home sales,” says Sam Khater, Freddie Mac’s chief economist.

Freddie Mac reports the following national averages with mortgage rates for the week ending Jan. 10:

30-year fixed-rate mortgages: averaged 4.45 percent, with an average 0.5 point, falling from last week’s 4.51 percent average. Last year at this time, 30-year rates averaged 3.99 percent.
15-year fixed-rate mortgages: averaged 3.89 percent, with an average 0.4 point, dropping from last week’s 3.99 percent average. A year ago, 15-year rates averaged 3.44 percent.
5-year hybrid adjustable-rate mortgages: averaged 3.83 percent, with an average 0.3 point, dropping from last week’s 3.98 percent average. A year ago, 5-year ARMs averaged 3.46 percent.

Source: Freddie Mac

Community News • January 1, 2019

Spring Has Sprung

by Roslyn Sibilia

Out With The Old And In With The New…Happy New Year!…Wishing all a year filled with Health, Happiness and Success. After the holiday dinners are done, schools reopen or vacations are over this is the time for Spring Cleaning and to get all in order. The Spring Housing Market has begun!! If you are thinking about selling, this is the time to you should also get your home in order for the market. Many will be out soon searching for a new home, and an in fact, some buyers have already been on their way…so why should your house be overlooked? Your home could be the one for those searching. Let’s chat to go over details to address to get your home sale ready. Contact me at 732-995-5609 / http://NJHomesbyRoslyn.com. I am ready to help you on your way to finding your next perfect home, too.

Buying a Home • December 28, 2018

Breaking The Bank For A Down Payment

by Roslyn Sibilia

Want to buy a home, but anxious about a down payment??….You might be in better shape than you think. There are so many buyer incentives to move the houseing market. Knowing where to look for these opportunities and what to ask is the key. Having a Realtor guide you to your answers can make all the difference. Here’s a quick read about your options…then call me at 732-995-5609 / NJHomesbyRoslyn.com to help you find your way.

Consider these thoughts:

Most people put less than 20% down; according to NAR, in 2016 first time home buyers averaged 6% down, while others averaged 14%.
There are a number of special programs which you may qualify for with as little as 3% down.
Grants are available which you do not have to repay as long as you live in the house of a certain amount of time.
Some state and local governments offer second mortgages for down payment with low or zero interest rates.
There are special programs which first time homebuyers can qualify for, which require specific criteria.

Help is always available, here are some resources:

Living In Your Home • December 27, 2018

Baby….It’s Cold Outside!!

by Roslyn Sibilia

It’s nippy out there, so beware…Most will agree with the statement, “don’t fix it until it’s broken?” Not a wise way to approach major appliances, such as your HVAC. Just when the temperatures drop to record lows, that is when your furnace will decide to quit. There are many things you can do to prolong the use of these systems. Click on the following link to make sure your toes stay toasty warm at home this winter…

Keeping Warm This Winter

Buying a Home • December 23, 2018

How Much Does It All Cost?

by Roslyn Sibilia

Is this your situation…You saved for many months and now have found your perfect home, but still not sure if you can afford it? There are many parts to the puzzle of buying a home. In addition to having money for the house, there are costs involved to actually make it come to fruition. These costs are sometimes out of pocket before the closing or added to your Closing Statement. Speaking to a Realtor at the onset of your search, can help you keep your emotions in check by having us guiding you on where more of your funds are needed. These costs will be quoted to you prior to the closing, so that you are prepared to bring them to the closing table. These fees include costs for your attorney if using one (sometimes title companies are used and we can discuss that later), title search and insurance, survey, loan application if not paying cash, recording fees, inspections, and others. There are also ways that you can incorporate the seller assisting with these costs per your contract. If you would like to know what these costs can add up to and what else is involved…let’s chat! Contact me at 732-995-5609 / NJHomesbyRoslyn.com. I would be happy to assist and make sure you a well-informed buyer.

Buying a Home • December 23, 2018

What Not to Do When Buying a Home

by Roslyn Sibilia

Closing day is near, but you may not get the house?…Many buyers have been in this position, either by the fault of their own doing, or when unfortunately were not warned. When purchasing a home, there is a process that this completed by the lender so you can, hopefully qualify for a loan. It all starts with a loan pre-approval, whereby your credit is checked, proof of assets are requested and your employment is verified. Also, besides having your credit looked into, there are other debts that you may have which may be looked into further, too. If you say you have funds for a deposit, they should be available. You should not be taking out a loan or running up your credit cards to get it. This will be used as additional debt against your income. In addition to income, the lender requires the history of where other funds may have come from if deposited in your bank accounts. These funds could have been from another purchaser that may not necessarily on the loan application with you or may be considered as a gift from a family member. There are rules regarding these situations, so always keep a paper trail. After verification, your file will now go through an under-writing process. This is when all information that has been submitted with your loan application is checked and re-checked to ensure you are a good candidate for the loan. Now the fun part begins…wrong! This is not the time to start purchasing furniture, buy another car, or run up your credit. Why you ask? Right before the closing date, your file will go back into under-writing for a review. If there had been changes which negatively impact the prior information given and cannot be reversed…guess what? No Loan..No Home! Don’t be fooled by the “0% interest with no payments for a year.” That entire additional debt will still be held against you. Lastly, make sure your stay employed at your current job. You don’t want to switch employers before the closing, as a history of employment is still required. It is also just as important to verify all requirements with your lender; Each may differ from the next. Let’s chat, so that we can discuss the lending process and what needs to be considered when purchasing a home. Contact me at 732-995-5609 / NJHomesbyRoslyn.com. If all is in check, you will be unpacking in no time…and yes… you can then order that new furniture!!

Adult Community With Water Views in Sayreville, NJ

Freehold Twp-Schools & Kindergarden Enrollment

The New Year In Central New Jersey

Desirable End-Unit Townhomes In East Freehold, NJ

Interest Rates Fell…Time Is Ticking?

Spring Has Sprung

Breaking The Bank For A Down Payment

Baby….It’s Cold Outside!!

How Much Does It All Cost?

What Not to Do When Buying a Home

Home

Properties

About Me

Blog

Neighborhood News